Airtel Payments Bank Achieves 138% Profit Growth in Q4 FY25 to Rs 26 Crore

Airtel Payments Bank reported a 138% increase in profit, reaching Rs 26 crore, driven by the increased adoption of its Safe Second Account and growth in urban transit and rural business solutions. The bank's revenue for the fourth quarter ending March 2025 was Rs 726 crore, marking a 34.7% rise compared to the same period last year.

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The bank highlighted significant growth in its Safe Second Account offering during Q4 FY25, reinforcing its status as a leading digital-only bank in India. This growth was complemented by diverse expansion across urban transit, B2B, and rural business sectors, contributing to strong sequential and annual performance.

Revenue Growth and Profit Increase

For the entire fiscal year, Airtel Payments Bank's revenue reached Rs 2,709 crore, reflecting a 47.5% increase from the previous year. Net profit rose by 81.4% to Rs 63 crore, while EBITDA saw a 64% year-on-year rise to Rs 299 crore. Customer balances grew by 30.6% to Rs 3,659 crore.

The Gross Merchandise Value (GMV) was reported at Rs 3,808 billion. Currently, Airtel Payments Bank ranks as the third-largest mobile bank in India based on user base. Anubrata Biswas, MD and CEO of Airtel Payments Bank, stated: "The rapid adoption of our Safe Second Account offering reflects the growing need for a secure alternate bank account for digital payments."

Expanding Digital Payment Solutions

Biswas also mentioned that the bank processes one in two domestic remittances and one in every five Aadhaar-enabled payments nationwide. He added: "As we continue to scale, our commitment remains on empowering every Indian with simple and seamless banking solutions to bridge the digital divide."

In tier-3 and beyond locations, Airtel Payments Bank operates 5 lakh active banking points, most managed by women banking correspondents. The demand for its RuPay NCMC On-The-Go cards is strong, with over 2.5 million users.

Omnichannel Growth and Transaction Volume

In the B2B sector, the bank is experiencing robust growth in omnichannel digital payments with top aggregators. It facilitates seamless transit payments across five major metro networks, including DMRC. Airtel Payments Bank processes nearly 12 billion transactions annually.

The bank extends services to three out of four villages, digitising over Rs 8,000 crore of cash monthly with more than 6,200 corporate partners. This extensive reach underscores its role in advancing digital financial inclusion across India.

With inputs from PTI