Mumbai, September 10, 2026: BharatPe, one of India’s leading fintech companies, today unveiled BharatPe Flex, its consumer credit proposition built around Credit Line on UPI, at the Global Fintech Fest 2026.
The company also launched a new brand campaign featuring BharatPe Brand Ambassador and Cricket Legend Rohit Sharma, showcasing the convergence of two increasingly relevant financial behaviours: UPI payments and digital credit.
About BharatPe Flex
- Built on NPCI’s Credit Line on UPI infrastructure.
- Provides eligible users with a pre-sanctioned monthly credit line of up to ₹60,000, based on their credit profile.
- Credit can be used for online and offline UPI merchant payments.
- Settlement options:
- Pay in full within 45 days.
- Flexible EMIs ranging from 3 to 12 months.
- Offers fixed rewards on eligible daily spends.
- Provides visibility and control over credit usage via the BharatPe UPI app.
The proposition is designed around a simple, familiar experience:
- No physical card.
- No separate app.
- No change in how consumers make UPI payments.
Credit becomes part of the existing payment journey, rather than a separate financial product.
Nalin Negi, CEO, BharatPe: “BharatPe Flex brings the convenience of UPI and the flexibility of credit into one seamless payment experience. We see a significant opportunity to make formal credit more accessible to consumers, with a strong focus on responsible usage and sustainable growth.”
Bringing UPI and Credit Together
The new brand campaign is built on a simple insight:
- UPI and credit have traditionally been separate financial experiences.
- Both are increasingly relevant to everyday spending.
The campaign positions them as a natural pairing:
- UPI provides the familiar payment experience.
- Credit provides additional flexibility when needed.
The campaign film illustrates how UPI and credit can work together to make everyday payments more flexible, moving beyond the traditional card-led model.
About BharatPe
Founded in 2018, BharatPe (Resilient Innovations Pvt Ltd) is a fintech company committed to financial inclusion for Indian merchants.
- Launched India’s first UPI interoperable QR code and zero MDR payment acceptance service.
- Introduced BharatPe Swipe card acceptance terminal in 2020.
- Registered network of 1.7 crore+ merchants across 450+ cities.
- Processes 450 million+ UPI transactions per month with a monthly TPV of ₹12,000 crores.
- BharatPe Money has facilitated loans worth US$ 2 billion in partnership with NBFCs.
- POS business processes payments of ₹27,000 crores annually across 125,000+ machines.
🌐 Learn more: www.bharatpe.com
