BharatPe has rebranded its RBI-regulated NBFC, Trillionloans, as BharatPe Capital, creating a unified identity for its lending business. The company has said the move has aligned with its strategy to expand its technology-enabled credit business for merchants, MSMEs and consumers.
The rebranding has strengthened BharatPe Group’s financial services portfolio, which has included an RBI-registered NBFC, a strategic stake in Unity Small Finance Bank and an online payment aggregator licence.
BharatPe Capital has maintained a loan book of over Rs. 1,750 crore and has disbursed around Rs. 3,500 crore annually. The company has stated that its loan book has continued to grow at nearly 30% year-on-year while adding close to half a million new customers every year.
The lending business has leveraged BharatPe’s merchant network of over 10 million merchants across more than 400 cities in India as it enters its next phase of growth.
BharatPe Capital has offered credit products across merchant lending, MSME financing, supply chain finance, embedded finance and consumer credit through a fully digital lending process.
The company has also stated that its proprietary underwriting engine has combined AI, advanced analytics and alternative transaction data to assess customer creditworthiness beyond conventional bureau scores, enabling it to extend formal credit to customers with limited credit histories while maintaining risk management standards.
Nalin Negi, CEO of BharatPe and Non-Executive Director at BharatPe Capital, said, “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. BharatPe Capital is well positioned to play a meaningful role in addressing India’s growing demand for formal credit.”
Sandeep Singh, CEO & Whole Time Director of BharatPe Capital, said, “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.”
