Airtel-Bajaj Finance Tie Up: Loans and EMIs - Here's What Company Has To Offer To 370 Million Users

Bharti Airtel, one of India's leading telecom giants, has partnered with Bajaj Finance, the largest private-sector NBFC, to create one of the country’s largest digital financial platforms.

Announced on January 20, 2025, this partnership aims to bring financial services closer to the masses through a seamless blend of technology and a robust distribution network.
“We are building Airtel Finance as a strategic asset for the group and will continue to invest in and grow the business. Today, we are trusted by over 1 million customers, and our vision is to make Airtel Finance a one-stop shop for all financial needs,” said Gopal Vittal, Vice Chairman and MD of Bharti Airtel.

The Digital Edge: Combining Strengths for Impact
The partnership takes advantage of Airtel’s extensive customer base of 370 million users and 12 lakh+ retail touchpoints, alongside Bajaj Finance’s diversified suite of 27 products and an expansive network of 70,000 field agents. This synergy promises to bridge the gap between urban and rural financial services, enabling greater digital inclusion.

According to Rajeev Jain, Managing Director of Bajaj Finance, “India’s digital ecosystem has been at the heart of data-driven credit underwriting and financial inclusion. Together with Airtel, we aim to empower millions with access to financial services, even in the most remote areas.”
 

What’s on Offer?
The Airtel Thanks App will serve as the first platform for customers to explore Bajaj Finance’s retail products, including personal loans, gold loans, business loans, and a co-branded Insta EMI card. By March 2025, four products will be available, with plans to roll out 10 offerings by the year-end.

The Insta EMI card, co-branded by Airtel and Bajaj Finserv, will give users flexible payment options for goods at over 1.5 lakh partner stores and e-commerce platforms. Furthermore, new-to-credit customers will gain easy access to gold loans, facilitating their entry into the formal financial ecosystem.

AI and Privacy: Prioritizing Customer Trust
Both companies emphasize the use of AI to enhance credit underwriting and customer experiences while ensuring strong compliance with regulatory norms, data privacy, and security. This commitment highlights their focus on building trust as they drive digital adoption in the financial space.