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About Airtel Payments Bank

Bharti Airtel’s banking venture

Your most trusted telecom partner, now your banking partner

As India’s first Payments Bank, we aim to give every Indian access to an equal, effective, and trustworthy banking experience.

Airtel Payments Bank was launched in January 2017, by Bharti Airtel, India’s largest telecom provider, to support the cashless revolution promised by the Government of India.

Airtel Payments Bank is a differentiated bank devoted to Changing The Way India Banks by striving to create a benchmark in banking system by reimagining every process, product and service associated with banking keeping customer’s need at the core of every effort. Our processes are deemed to make banking simpler and intuitive for every consumer. We are enabling customers by increasing accessibility of our services, be it online or retail banking. And we are putting our best efforts to make banking experience more respectful for all our customers. Airtel Payments Bank aim to make banking accessible, simple and inclusive for every Indian.

With Airtel Payments Bank, you can:

•     Open a Savings Bank account at any of our 5 lakh+ banking points

•     Get free personal accident insurance cover of Rs 1 Lac

•     Earn up to 7.0% rate of interest

•     Get an online debit card

•     Deposit cash at any Banking Point in your vicinity

•     Withdraw cash through our banking points or select bank ATMs

•     Buy third party insurance products

•     Transfer money to any bank account in India through IMPS or UPI

•     Recharge prepaid mobiles/DTH and pay utility bills (electricity, water, gas, postpaid, etc.)

•     Book bus and train tickets

We also aim to make payments cashless and seamless, and that's precisely what you can do with Airtel Money Wallet, the digital wallet of Airtel Payments Bank. You can make online/offline digital payments, recharge your phone, pay utility bills, and much more with Airtel Money Wallet. The wallet provides you with an option to make simple, secure and quick payments through your phone. With Airtel Money Wallet, you can:

•     Make digital payments at thousands of online and offline merchants through:

      a) QR Code Scanning

      b) Payment to a phone number

      c) BHIM UPI

      d) Merchant Initiated Payment

•     You can also transfer money, recharge prepaid mobiles/DTH, pay utility bills, book bus/train tickets and more.

As we mentioned, we aim to provide a seamless banking experience to every Indian, including business owners (corporate, startups, SMEs). Our range of business solutions include:

•     Salary Management Solution

      a) Salary disbursal

      b) Reimbursement solutions

      c) Loan Management Solution

      d) Disbursement

      e) Collection

•     Cash Management Solution

Join Airtel Payments Bank today and enjoy the ease of banking that you have always wanted!

Annual report for the year 2023-24


made easy and accessible

Secure Process
Covenient Services

With telecom, we opened up communication lines across India to serve the unique needs and wants for each of our customers.

With banking, we have taken that passion for serving people and emerged as an easier, more intuitive and more accessible solution to problems that plague banking in India.

Board of Directors

Sunil Bharti Mittal

Non Executive Chairman

Mr Mittal is the Founder and Chairman of Bharti Enterprises, one of India's leading conglomerates with diversified interests in telecom, insurance, real estate, agri and food, besides other ventures. Bharti has joint ventures with several global leaders: Singtel, SoftBank, AXA, Del Monte amongst others.

Gopal Vittal

Non Executive Director

Mr Vittal is the MD & CEO of Bharti Airtel (India & South Asia). A graduate from IIM Calcutta in 1990, he joined Hindustan Unilever Limited. One of his biggest achievements in HUL was Project Bharat, a successful rural-reach strategy that incentivized people in rural areas to try HUL's products.

Anubrata Biswas

Managing Director & CEO

Mr. Biswas is the MD & CEO of the Bank. A graduate from IIM Ahmedabad, Mr. Biswas is an industry stalwart with over two decades of experience in banking and financial services sector holding multiple leadership roles spanning across various markets in Asia and Europe. Prior to joining the Bank, he was the Retail Business Head for South India, ICICI Bank Ltd.

Ashish Das

Independent Director

Ashish Das is Professor in IIT Bombay, Mumbai. He has Research and teaching experience of over 25 years in theoretical and applied Statistics.

Dr. Muralidaran Natarajan Krishnaswami

Independent Director

Dr. Muralidaran Natarajan Krishnaswami is a visionary and entrepreneurial information technology professional having over three decades of rich experience and expertise with proven strategic depth and broad based expertise in building solutions, mentoring teams in various areas of technology. In his last role, he was associated with NSEIT as Executive Vice Chairman, and he played a very pivotal role towards NSEIT’s Vision 2025 and closely drove NSEIT’s Growth Strategy. Earlier to NSEIT, he had been associated with National Stock Exchange and IL & FS Ltd.

Subhash Sheoratan Mundra

Independent Director

Mr. Subhash Sheoratan Mundra, is a seasoned and committed banker, with a distinguished career spanning over four decades, during which he held various high level positions, including Chairman and Managing Director of Bank of Baroda, Executive Director of Union Bank of India, Chief Executive of Bank of Baroda (European Operations) amongst others, culminating as the Deputy Governor of Reserve Bank of India, from where he finally retired his office in July 2017.

Rajesh Sud

Non-Executive Director

Rajesh is the Managing Director - Financial Services, Bharti Enterprises. He is a seasoned insurance and consumer banking professional with more than 20 years as a leader in Life Insurance and Health Insurance organisations. He is also an active mentor to start-ups.

Arpita Pal Agrawal

Independent Director

Arpita is CEO of M-CRIL and has over 25 years of work experience, twenty of which were focused on Management & Risk consulting in various leadership roles in organizations such as PwC, KPMG, Arthur Andersen and ICICI Advisory. Her sector specialization was in Telecom and she now focusses on its impact on digital & financial inclusion and unique business models to bridge the divide. She has led projects in 30+ countries in emerging (Africa, Bangladesh, Sri Lanka & Middle East) and developed markets (Japan, Europe, UK, USA). She started her career with design and development of Telecom Network Management software and was based in Europe.

Anita Kapur

Independent Director

Anita Kapur, with a distinguished career spanning over four decades, retired as Chairperson, Central Board of Direct Taxes (CBDT). Earlier, as a member CBDT, and post retirement as Adviser in the Ministry of Finance, she had a leadership role in implementing significant taxpayer friendly administrative measures and policy reforms to simplify tax laws, apply technology to enable tax assessments in an E- environment, reduce litigation, and facilitate compliance, counter tax. She also had secondment stints with the Foreign Tax and Tax Research (FT&TR) Division and the Tax Policy & Legislation (TPL) Division of the Ministry of Finance, the capital market regulator of India - SEBI and the Banking Division (currently known as Department of Financial Services) of the Ministry of Finance.

Rajeev Kher

Independent Director

Rajeev Kher brings with him a rich and varied experience of 37 years in the Indian Administrative Service. His fields of experience include International Trade and Commerce, Industrial Development and Investment Policy, Competition Law and Policy, Sustainable Development Policy and Planning, Environmental Management and Global Governance. He spent precious twenty years in senior positions in the Ministry of Environment and the Department of Commerce in the Government of India culminating in the position of Commerce Secretary. He also held the position of the Member in the Competition Appellate Tribunal for two years. On superannuation he was invited to be a Distinguished Fellow of the RIS - a think tank on International Economic and Development Policy.

Harjeet Kohli

Non-Executive Director

Harjeet Kohli is a seasoned corporate and investment banker with over 25 years of experience in Strategy, business development, inorganic build-outs, M&A, capital allocation, partnerships, strategic capital sources, corporate finance, capital structure, equity, investor management (private & public), investments, risk management.