Airtel Payments Bank’s Profit Jumps 83% To INR 63 Cr In FY25

SUMMARY

The rise in the bottom line came on the back of a 47.5% YoY growth in revenue to INR 2,709 Cr in FY25 from INR 1,836 Cr in the previous fiscal year

For the year under consideration, the company claimed its EBITDA increased 64% YoY to INR 299 Cr

In Q4 FY25, its profit increased 40.54% QoQ and 138% YoY to INR 26 Cr

Airtel Payments Bank’s consolidated net profit jumped 82.6% to INR 63 Cr in the financial year ended March 31, 2025 (FY25) from INR 34.5 Cr in the previous fiscal year, driven by strong adoption of digital banking solutions.

In Q4 FY25, its profit increased 40.54% quarter-on-quarter (QoQ) and 138% year-on-year (YoY) to INR 26 Cr. The bank had reported a net profit of INR 18.5 Cr in Q3 FY25.

The rise in the bottom line came on the back of a 47.5% YoY growth in revenue to INR 2,709 Cr in FY25 from INR 1,836 Cr in the previous fiscal year.

For Q4 FY25, revenue surged 34.7% YoY to INR 726 Cr.

For the year under consideration, the company claimed its EBITDA increased 64% YoY to INR 299 Cr.

While customer balances stood at INR 3,659 Cr at the end of FY25, gross merchandise value (GMV) for the fiscal year stood at INR 3,80,800 Cr.

Over the past four years, the bank claims that its revenue has grown at a CAGR of 44%.

“Today we are processing one in two domestic remittances and one in every five Aadhaar-enabled payments in the country,” its MD and CEO Anubrata Biswas said.

Airtel Payments Bank offers basic banking services through a network of over 5 lakh banking points across the country, as well as its digital platform. It caters to three key customer segments – urban digital users, the underbanked, and industries and institutions.

The company reported strong demand for its RuPay NCMC On-The-Go cards, with over 2.5 Mn users. Besides this,

In the B2B space, it claims to be witnessing a growth in omnichannel digital payments through partnership with top aggregators and claims to facilitate seamless transit payments across five major metro networks, including the Delhi Metro Rail Corporation (DMRC).

Airtel Payments Bank claims to process over 1,200 Cr transactions annually.

It was the first company to receive a Payments Bank licence from the Reserve Bank of India (RBI) in April 2016 and commenced operations in January 2017. In January 2022, it was granted scheduled bank status by the RBI.

The bank has also partnered with financial institutions such as Mastercard and Bharti AXA Life Insurance to develop tailored financial products for the underbanked and to further promote digital payment solutions.