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BharatPe

655

Digital payment and lending platform for merchants

Fintech
Digital Payments
Active

Founded

2018

Team Size

1500

Total Funding

₹610 Cr

Valuation

₹2,700 Cr

About

BharatPe is a fintech company that provides QR-code-based payment solutions to merchants and offers lending services.

Unique Selling Proposition

Core Differentiator

Zero-MDR merchant payment acceptance combined with embedded lending, specifically targeting India's underserved small merchant segment

Target Market

Small and micro merchants across Tier 2/3 cities

Key Innovation

Zero-fee QR code payments with integrated lending using transaction data for credit underwriting

Competitive Moats
🌐Network Effects
Medium

Growing merchant base creates value for lending partners and payment ecosystem participants

🔒Switching Costs
Medium

Merchants using integrated lending products face friction switching to competitors

🧠Data/AI Moat
Medium

Transaction data from merchant payments enables proprietary credit scoring models

Brand
Medium

Strong brand recognition among target merchant segment through aggressive marketing

Funding Snapshot
Free preview

₹310 Cr

Total Raised

3

Rounds

Series E

Latest · Feb 28, 2026

Backed by

Coatue Management
Tiger Global

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Full Funding History

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Funding History

Series E

2021-08-03

₹300 Cr

Investors

Coatue Management
Tiger Global

Series E

Feb 28 2026

N/A

Series E

Feb 28, 2026

₹10 Cr

Details

Location

New Delhi, Delhi

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Financial Metrics

Annual Revenue

₹350 Cr

Growth Rate

150%

Funding Rounds

3

VedAI Score
655/1000
Developing