BharatPe FY25 Financials: ₹1,667 Crore Revenue; Loss Drops 82% to ₹88 Crore

BharatPe has posted a sharp turnaround in its financial performance for FY25, cutting net losses by 82% while boosting revenue streams. The results highlight growing traction across its payments and lending operations, alongside stricter cost controls.

Revenue Growth and Profitability Outlook

BharatPe reported net losses of ₹88.2 crore in FY25, a significant reduction from ₹492 crore in FY24. Operating revenue climbed nearly 17% to ₹1,667 crore under review compared with ₹1,426.1 crore a year earlier. Including ₹67 crore of other income, total income stood at ₹1,733.6 crore, up from ₹1,486 crore in FY24.

Expenses and Cost Management

Overall expenses fell 3.5% to ₹1,906 crore in FY25, down from ₹1,974.4 crore in the prior year. Employee-related costs rose 7% to ₹360 crore from ₹336.6 crore, while transaction processing charges increased 8% to ₹390.7 crore against ₹362 crore in FY24.

Notably, financial guarantee costs surged 189% to ₹240 crore from ₹83 crore. Outsourced service expenses dropped nearly 6% to ₹239.7 crore, and advertising & marketing spend was reduced dramatically, down 88% to ₹26.2 crore from ₹162.7 crore in the previous fiscal.

Strategic Developments and Funding

Founded in 2018, BharatPe operates a technology platform offering UPI payments, bill settlement, and merchant loans through NBFC partnerships. The company earns revenue from transactions and service fees, as well as allied payment services.

In terms of funding, BharatPe has raised close to $850 million, with backers including Peak XV, Ribbit Capital, and Beenext. During FY25, the company secured a payment aggregator licence from the RBI in April, raised ₹125 crore in debt from Neo Group and Trifecta Capital, and saw Gujarat-based family offices acquire a 2.6% stake for ₹179 crore via secondary transactions.

Read More: Gujarat Family Offices Buy 2.6% Stake In BharatPe For ₹179 Crore!

Conclusion

BharatPe’s FY25 performance demonstrates stronger revenue growth, disciplined cost management, and significant progress towards profitability. With declines in losses, an expanding lending portfolio, and fresh regulatory and funding milestones, fintech is positioning itself as a stronger player in India’s digital finance ecosystem.

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