5G Will Also Boost Bharti Airtel’s Enterprise Offerings: CLSA

Airtel strengthens its market position with 5G expansion, increasing revenue share, and a growing financial services platform in partnership with Bajaj Finance.

Highlights

  • 5G Expansion: Airtel is rolling out 5G across urban and key rural markets to drive growth.
  • Tariff Hikes: Identified as a key catalyst for growth and stock performance.
  • Bajaj Finance Partnership: Co-branded Insta EMI card launched on the Airtel Thanks app.

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5G Will Boost Bharti Enterprise Offerings: CLSA
Bharti Airtel is set to continue its growth trajectory, driven by tariff hikes, increasing mobile data penetration and a 5G subscriber base. Airtel has also strengthened its position, increasing its revenue market share to 36 percent, according to a CLSA report dated March 5, 2025. The telecom company remains focused on expanding data usage among its 342 million mobile subscribers in India, with 70 percent already using mobile data. Airtel is rolling out 5G services targeting to cover all of urban India and key rural markets, the report said.

Also Read: Monetising 4G and 5G: Key Takeaways to Date and What’s Next?




5G Rollout and Enterprise Services

"5G will also boost Bharti's enterprise offerings, and 5G fixed wireless access (FWA) is an opportunity. Bharti's 5G mobile rollout targeting top-end subscribers, enterprise, home broadband/5G FWA and convergence services ramp-up should further enhance growth," the report added, stating that tariff hikes are a key catalyst for the stock.

Airtel Finance's Partnership with Bajaj Finance

Bharti Airtel's financial services platform, Airtel Finance, which is expanding its offerings, has already served 1 million customers, disbursing Rs 46 billion across various financial products. However, this remains a fraction of Bharti Airtel's 370 million subscribers, presenting a vast growth opportunity, the report said. It also noted that Airtel's mega partnership with Bajaj Finance, India's top NBFC, is expected to accelerate growth.

Also Read: Bharti Airtel and Bajaj Finance Partner to Launch Digital Financial Services Platform

A co-branded Insta EMI card has gone live on the Airtel Thanks app as part of Airtel Finance's recent partnership with Bajaj Finance. "Gold, business and personal loans will be next and Airtel Finance's prospects are high as 200 million Bharti subscribers do not overlap with Bajaj Finance," the report highlighted.

Digital Lending and New Financial Products

Currently, Airtel Finance offers personal loans, gold loans, fixed deposits, and co-branded credit cards via the Airtel Thanks app. With a 100 percent digital onboarding process, instant KYC, and minimal documentation, the platform is accessible to both Airtel and non-Airtel users. Bharti aims to launch around 10 financial products this year, reinforcing its vision to make Airtel Finance a one-stop financial hub. Currently, gold, business and personal loans are in the pilot stage and will be live soon.

Also Read: Has Postpaid Lost Its Appeal in India’s Telecom Industry?

Leveraging Distribution Networks

According to the report, Airtel Finance sees immense opportunity, especially with 200 million Bharti subscribers who do not overlap with Bajaj Finance. The company can leverage both digital and physical channels to scale up, including Bharti's 1.2 million retail touchpoints and Bajaj Finance's 70,000 field agents.

Reported By

Kirpa B is passionate about the latest advancements in Artificial Intelligence technologies and has a keen interest in telecom. In her free time, she enjoys gardening or diving into insightful articles on AI.

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