Trillionloans Fintech, the non-banking financial arm of BharatPe, has achieved a significant milestone by securing an ‘IND BBB+‘ credit rating with a Stable Outlook from India Ratings & Research.
This accomplishment underscores the company’s financial stability and growth potential, further enhancing its ability to raise external debt and diversify funding sources. The rating reflects Trillionloans’ strong governance framework and the competitive advantage it derives from being a subsidiary of BharatPe, which has increased its stake in the company to 62.2% since acquiring a controlling interest in 2023.
Trillionloans leverages BharatPe’s extensive merchant network of over 18 million customers to provide tailored loan offerings backed by an AI-driven risk assessment framework. This synergy enables minimal turnaround times for loan disbursements while ensuring optimal credit quality and risk mitigation.
The company has grown its loan book significantly, doubling its portfolio to INR 1,154.5 crore in the first three quarters of FY25 compared to INR 869.5 crore in FY24. This growth aligns with BharatPe’s strategic focus on expanding its financial services ecosystem and achieving profitability at an adjusted EBITDA level.
The fintech company has ambitious plans for the future, including a fivefold increase in its asset book over the next three years and a potential initial public offering (IPO) within 18–24 months. BharatPe CEO Nalin Negi emphasized that this rating serves as a launchpad for Trillionloans to revolutionize lending in India, contributing to a seamless digital-first credit ecosystem. The company’s focus on democratizing access to credit for underserved communities, merchants, and SMEs positions it as a key player in India’s fintech landscape.
The achievement comes at a time when BharatPe itself is making strides toward profitability, having reported adjusted EBITDA breakeven in FY25 while reducing consolidated net losses significantly. Trillionloans’ profitability has also improved, with the NBFC clocking INR 29.7 crore profit during the first nine months of FY25 compared to losses in previous years. This financial turnaround highlights the growing resilience and innovation within BharatPe’s ecosystem.
As India continues to emerge as a hub for fintech innovation, Trillionloans’ success reflects broader trends in the sector, where NBFCs are increasingly catering to Tier-II and Tier-III city customers with accessible financial solutions. With its strong foundation and forward-looking strategy, Trillionloans is poised to play a pivotal role in shaping India’s digital lending landscape.
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