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Airtel Payments Bank posted its strongest quarterly performance yet, with revenue crossing the ₹800 crore mark for the first time in the quarter ended September 30, 2025 — a 19.4% year-on-year (YoY) growth — signalling continued momentum in India’s fast-evolving digital banking landscape.
The bank’s EBITDA stood at ₹89.3 crore, up 17.4% YoY, while net profit rose to ₹11.8 crore, reflecting operational efficiency and expanding customer engagement across its digital and offline network.
Driven by strong adoption of its Safe Second Account and merchant-focused digital offerings, Airtel Payments Bank’s annualised Gross Merchandise Value (GMV) touched ₹4.56 trillion, underlining the growing depth of its transaction ecosystem. The bank said it remains the third-largest mobile bank in India by user base, underscoring customer trust and brand stickiness in a competitive payments market.
“Our consistent growth reflects the strength of our digital-first model and the deep trust our customers place in us,” said Anubrata Biswas, Managing Director & CEO of Airtel Payments Bank. “The Safe Second Account continues to be a key growth driver, empowering customers to manage their everyday digital transactions with ease and confidence,” he added.
Airtel Payments Bank recently rolled out its first 360-degree brand campaign around the Safe Second Account proposition, positioning it as a secure and seamless digital payments solution. The campaign, the company said, has driven strong traction in new account openings and boosted customer balances, which rose 35% year-on-year to ₹3,987 crore during the quarter.
In the RuPay On-The-Go NCMC card segment, the bank continues to maintain leadership with over four million users, accounting for nearly 65% of total national transaction volumes. It is also India’s largest NCMC acquiring bank, processing the majority of metro transit payments across key cities.
Its offline presence remains a core strength, backed by over 5 lakh active banking points, with every fifth operated by a woman banking correspondent — an inclusion milestone for the financial ecosystem. Airtel Payments Bank now serves three out of every four villages in India, processes half of India’s domestic remittances, and handles one in every four Aadhaar-enabled payment transactions.
Expanding its reach further, the bank recently introduced savings accounts for minors aged 10 to 17 years and six months, enhancing its inclusive portfolio. Meanwhile, its small merchant offerings — including current accounts and soundboxes — are gaining steady adoption across semi-urban and rural markets.
Catering to urban digital consumers, underbanked segments, and institutional clients, the bank now processes nearly 12 billion transactions annually, digitising ₹8,800 crore in cash every month through partnerships with over 9,200 corporate clients. The bank is also scaling up its omnichannel B2B digital payments operations through tie-ups with leading payment aggregators, tapping into India’s growing merchant ecosystem.
Airtel Payments Bank’s steady growth trajectory comes amid rising competition from fintechs and small finance banks, but its wide distribution network and deep integration with Airtel’s telecom ecosystem continue to provide a strategic advantage.
The bank’s EBITDA stood at ₹89.3 crore, up 17.4% YoY, while net profit rose to ₹11.8 crore, reflecting operational efficiency and expanding customer engagement across its digital and offline network.
Driven by strong adoption of its Safe Second Account and merchant-focused digital offerings, Airtel Payments Bank’s annualised Gross Merchandise Value (GMV) touched ₹4.56 trillion, underlining the growing depth of its transaction ecosystem. The bank said it remains the third-largest mobile bank in India by user base, underscoring customer trust and brand stickiness in a competitive payments market.
“Our consistent growth reflects the strength of our digital-first model and the deep trust our customers place in us,” said Anubrata Biswas, Managing Director & CEO of Airtel Payments Bank. “The Safe Second Account continues to be a key growth driver, empowering customers to manage their everyday digital transactions with ease and confidence,” he added.
Airtel Payments Bank recently rolled out its first 360-degree brand campaign around the Safe Second Account proposition, positioning it as a secure and seamless digital payments solution. The campaign, the company said, has driven strong traction in new account openings and boosted customer balances, which rose 35% year-on-year to ₹3,987 crore during the quarter.
In the RuPay On-The-Go NCMC card segment, the bank continues to maintain leadership with over four million users, accounting for nearly 65% of total national transaction volumes. It is also India’s largest NCMC acquiring bank, processing the majority of metro transit payments across key cities.
Its offline presence remains a core strength, backed by over 5 lakh active banking points, with every fifth operated by a woman banking correspondent — an inclusion milestone for the financial ecosystem. Airtel Payments Bank now serves three out of every four villages in India, processes half of India’s domestic remittances, and handles one in every four Aadhaar-enabled payment transactions.
Expanding its reach further, the bank recently introduced savings accounts for minors aged 10 to 17 years and six months, enhancing its inclusive portfolio. Meanwhile, its small merchant offerings — including current accounts and soundboxes — are gaining steady adoption across semi-urban and rural markets.
Catering to urban digital consumers, underbanked segments, and institutional clients, the bank now processes nearly 12 billion transactions annually, digitising ₹8,800 crore in cash every month through partnerships with over 9,200 corporate clients. The bank is also scaling up its omnichannel B2B digital payments operations through tie-ups with leading payment aggregators, tapping into India’s growing merchant ecosystem.
Airtel Payments Bank’s steady growth trajectory comes amid rising competition from fintechs and small finance banks, but its wide distribution network and deep integration with Airtel’s telecom ecosystem continue to provide a strategic advantage.
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