BharatPe has announced the rebranding of its RBI-regulated non-banking financial company (NBFC), Trillionloans, as BharatPe Capital. This move is part of BharatPe's long-term strategy to build a leading technology-enabled lending institution that delivers faster, smarter, and more accessible credit solutions to merchants, micro, small and medium enterprises (MSMEs), and consumers.
Strengthening Market Position
The transition reinforces the BharatPe Group's unique position in India's financial landscape as the only fintech holding an RBI-registered NBFC license, a strategic stake in Unity Small Finance Bank, and an online payment aggregator license. With a loan book exceeding Rs 1,750 crore and annual disbursements of approximately Rs 3,500 crore, BharatPe Capital is growing at nearly 30% year-on-year and adds close to half a million new customers annually.
Backed by BharatPe's vast merchant ecosystem, which serves over 10 million merchants across more than 400 cities in India, BharatPe Capital enters its next growth phase with a strong foundation.
Leadership Vision
Nalin Negi, CEO of BharatPe and Non-Executive Director at BharatPe Capital, stated, "BharatPe Capital represents a mature, institutional approach to credit delivery in India. Our vision is to build a lending institution that combines technology-led innovation with disciplined risk management, strong corporate governance, and regulatory compliance. Sustainable credit growth comes from understanding customer cash flows, leveraging data intelligently, and maintaining the highest standards of responsible lending."
Comprehensive Credit Solutions
According to company information, BharatPe Capital offers a full suite of technology-enabled credit solutions, including merchant lending, MSME financing, supply chain finance, embedded finance, and consumer credit. The company provides a fully digital borrowing journey, reducing turnaround times while maintaining rigorous underwriting and portfolio quality standards.
The product portfolio comprises:
- Merchant Loans: Financing aligned with daily merchant UPI cash flows.
- MSME & Business Loans: Flexible unsecured term loans tailored to business working capital requirements.
- Supply Chain Finance: Working capital solutions for merchants, retailers, and small business owners.
- Consumer Credit: Digital personal credit solutions designed for convenience and speed.
- Embedded Finance: End-use consumer financing solutions seamlessly integrated with merchants, enterprise partners, and digital platforms, enabling contextual credit at the point of purchase.
Proprietary Underwriting Engine
At the core of BharatPe Capital is its proprietary underwriting engine, which combines artificial intelligence, advanced analytics, and alternative transaction data to assess customer creditworthiness beyond conventional bureau scores. This capability allows the company to responsibly extend formal credit to customers with limited traditional credit histories while maintaining prudent risk management.
Sandeep Singh, CEO and Whole Time Director of BharatPe Capital, commented, "The BharatPe Capital identity reflects both our evolution and our long-term ambition. We are building a lending platform that combines the agility of fintech with the trust and discipline of a regulated financial institution. Our API-first architecture, intelligent underwriting capabilities, and digital customer journeys enable us to partner seamlessly with platforms and financial institutions to deliver faster, simpler, and more transparent access to credit. As we continue to scale, our focus remains firmly on responsible growth, robust governance, and creating sustainable value for our customers, partners, and stakeholders."
