Archive · 9 Dec 2025
Airtel Payments Bank Drives Financial Inclusion in India
Airtel Payments Bank is a digital bank in India that doesn't have any physical branches.
It started in 2016 and has been very successful in helping people who don't have access to regular banks.
They use technology to make banking easy and safe.
They have over 5 lakh banking points where people can go to do their banking.
They also have a special account called a 'Safe Second Account' for people who want to keep their main savings safe while using the Airtel account for everyday transactions.
The bank is very profitable and has over 4 million cards issued.
They are planning to expand their services to include more savings and insurance products, and they want to help more than 100 million people by 2027.
Airtel Payments Bank operates as a profitable digital-first bank with no physical branches, launched in 2016.
It has built the world's largest banking point network with over 5 lakh active points, serving remote areas.
The bank offers a 'Safe Second Account' for secure daily payments, insulating primary savings from fraud.
Airtel Payments Bank reported a net profit of INR 11.8 Cr on revenues of INR 804 Cr in Q2 FY26.
The bank is expanding its services to include micro-savings, small-ticket insurance, and digital literacy initiatives.
- Who
- Airtel Payments Bank
- What
- A digital-first payments bank driving financial inclusion in India
- When
- Launched in 2016, with significant growth during the COVID-19 pandemic
- Where
- Operating across India, with a focus on rural and underserved areas
- Why
- To provide accessible, secure, and digital banking solutions to bridge the financial divide
- Launch Year
- 2016
- Active Banking Points
- Over 5 Lakh
- Net Profit (Q2 FY26)
- INR 11.8 Cr
- Revenues (Q2 FY26)
- INR 804 Cr
- User Base
- Third-largest mobile bank in India
- Cards Issued
- Over 4 Mn
- RBI Status
- Scheduled bank since January 5, 2022