Trillionloans Secures ‘IND BBB+’ Rating from India Ratings; Signaling Robust Financial Health and Ambitious Growth Trajectory

India Ratings & Research (Ind-Ra) has assigned a Stable Outlook to Trillionloans Fintech Private Limited (TFPL), acknowledging its strong governance, scalable digital lending model, and prudent risk management framework.
Trillionloans is profitable, has nearly doubled its loan portfolio over the past two years, and is targeting a fivefold expansion by 2028
Well-positioned to accelerate growth, leveraging BharatPe’s 18 million+ merchant network and robust capital support
National, 25 March 2025: Trillionloans Fintech Private Limited (TFPL), a fast-emerging digital lending platform, has been awarded an ‘IND BBB+’ credit rating with a Stable Outlook by India Ratings & Research (Ind-Ra). This achievement is a testament to Trillionloans’ robust governance, innovative technology-driven business model, and strong financial resilience.

Trillionloans’ mission is to democratize access to credit by offering financial solutions that cater to underserved businesses and individuals. With an expanding portfolio that includes merchant loans, MSME financing, revenue-based lending, consumer credit, and vehicle loans, the company is transforming lending by making it faster, more efficient, and accessible.

Since BharatPe’s acquisition of a 51% controlling stake in April 2023, Trillionloans has undergone a period of rapid expansion, with BharatPe increasing its stake to 62.2%. This investment has enabled Trillionloans to significantly scale its loan book, offering seamless and tech-driven credit solutions to merchants, SMEs, and consumers. The company has built a solid reputation in the digital lending ecosystem, leveraging cutting-edge technology, artificial intelligence-based credit assessment models, and a seamless loan disbursement process through API integrations.

One of TFPL’s key advantages is its ability to leverage BharatPe’s vast merchant ecosystem, which comprises over 18 million registered businesses. This synergy allows Trillionloans to provide customized loan offerings with minimal turnaround time, backed by an AI-driven risk assessment framework that ensures optimal credit quality and risk mitigation. This rating has also increased its ability to raise external debt and diversify its funding sources.

Nalin Negi, CEO, BharatPe Group said, “This ‘IND BBB+’ rating isn’t just a badge—it’s a launchpad for Trillionloans to revolutionize lending in India. It represents our prudent financial management and solid governance structure. With a technology-driven approach, Trillionloans is making credit more accessible to merchants, SMEs, and underserved communities. This milestone marks just the beginning of our ambitious journey to create a seamless, digital-first credit ecosystem. BharatPe remains committed to supporting Trillionloans in its expansion, ensuring a strong foundation for sustainable, long-term growth.”

Trillionloans’ strong financial position is backed by BharatPe’s continued capital infusion, which has amounted to INR 3,280 million since March 2023. This consistent support reflects BharatPe’s long-term commitment to strengthening Trillionloans’ market position and fueling its next phase of accelerated growth.

Sabyasachi Senapati, Executive Director, Trillionloans said, “At Trillionloans, we are focused on leveraging data-driven credit assessment tools and technology-driven risk management to provide affordable and accessible credit to businesses and individuals. With an ambitious goal to grow our asset book by more than 5x in the next three years, we are determined to expand our reach across diverse geographies and customer segments. By fostering strategic partnerships and leveraging the power of fintech innovation, we aim to make credit more seamless, inclusive, and impactful.”

The company remains focused on scaling sustainably, maintaining superior asset quality, and delivering exceptional customer experiences.