Pay Your Loan, Your Way: Bandhan Bank Joins NBBL’s Bharat Connect to Revolutionize Repayments

#BandhanBank #NBBL #BharatConnect #LoanRepayments #EMIPayments #DigitalBanking #FinancialInclusion #NPCI #SeamlessPayments #BankingInnovation #DigitalIndia

Chandigarh: In a move set to vastly simplify life for millions of borrowers, NPCI Bharat BillPay Ltd. (NBBL), the backbone of India’s digital payment ecosystem, has officially integrated Bandhan Bank’s Retail Assets onto its powerful Bharat Connect platform. This collaboration, announced from Chandigarh on September 25, 2025, isn’t merely a technological update; it’s a profound leap toward truly customer-centric banking and a significant advancement for financial inclusion across the country.

The core message is simple: repaying your loan just became flexible, immediate, and utterly stress-free.

The End of Missed Deadlines and Payment Hassles

For Bandhan Bank customers, the integration means they now have unprecedented choice and control over managing their finances. The partnership enables customers to efficiently repay overdue EMIs across several critical loan categories: personal loans, auto loans, and two-wheeler loans.

Imagine the peace of mind: no more frantic searches for the right payment portal or worries about checks clearing on time. Customers can now access their repayment dashboard through their preferred digital channels. This includes the bank’s own platforms—the highly utilized Bandhan Bank mobile app (mBandhan) and Retail Internet Banking (RIB)—but the real game-changer is the access to the vast Bharat Connect network.

This network comprises more than 700 apps and websites already powered by Bharat Connect. Whether a customer prefers using a popular third-party payment app, a digital wallet, or the bank’s internal system, the payment journey is now identical: seamless, secure, and authenticated.

This flexibility is crucial. By eliminating complexity, the integration makes the loan repayment process seamless, repeatable, and user-friendly, thereby significantly minimizing the risk of missed deadlines. For the customer, this means less stress and the benefit of a clean, healthy credit score. For Bandhan Bank, it means a streamlined, efficient collection process, strengthening their overall digital ecosystem.

The Power Behind the Partnership: NBBL and Digital Public Infrastructure

To understand the scale of this convenience, one must appreciate the engine driving it: NBBL, a wholly owned subsidiary of the National Payments Corporation of India (NPCI), the organization responsible for national platforms like UPI. NBBL’s mission is to be the single, standardized hub for all bill payments and collections in the country.

Bharat Connect is the platform that fulfills this mission—it acts as the digital highway ensuring that payments, regardless of whether they are utility bills, school fees, or now, loan EMIs, move instantly and securely from payer to payee. By leveraging this existing, robust national infrastructure, Bandhan Bank has immediately gained access to an unmatched distribution network for collections.

As Noopur Chaturvedi, MD & CEO of NBBL, articulated, the scale is monumental:

“Our partnership with Bandhan Bank offers customers a simple and trusted way to manage their EMIs and helps the lender collect seamlessly through over 700 apps and websites, as well as a colossal network of 5 million offline agents across India. This collaboration with Bandhan Bank furthers our efforts to strengthen financial inclusion by leveraging digital public infrastructure.”

The mention of 5 million offline agents is particularly significant. While the convenience of digital apps is undeniable in cities, this massive agent network ensures that loan customers in rural or semi-urban areas—often the core clientele for institutions focused on financial inclusion—can still make secure, timely repayments in cash, which are then instantly recorded and digitized through the Bharat Connect system. This bridges the digital divide effectively.

A Commitment to Customer-First Digital Banking

For Bandhan Bank, the integration with a national platform like Bharat Connect is more than just an operational upgrade; it reinforces their strategic commitment to digital-first, customer-centric banking. Bandhan Bank’s focus has historically been on bringing the financially underserved into the formal banking system. By making basic functions like loan repayment frictionless, they remove a major barrier to participation and trust.

Mr. Ratan Kumar Kesh, ED & COO of Bandhan Bank, highlighted this customer focus:

“At Bandhan Bank, our focus has always been to place the customer at the heart of every digital innovation. The integration with NPCI Bharat BillPay on the Bharat Connect platform is a step forward in creating seamless, secure, and convenient repayment journeys for our customers. By leveraging this platform, we are not only simplifying loan repayments but also enabling greater accessibility and financial empowerment.”

This initiative allows the bank to elevate its customer service. When payments are simplified and easily verified, it reduces disputes, frees up customer service representatives, and allows the bank to focus on deeper, more strategic engagement rather than chasing missed payments. It’s an investment in efficiency that pays off in higher customer loyalty.

In conclusion, the integration of Bandhan Bank’s retail loan assets onto NBBL’s Bharat Connect platform is a textbook example of how Digital Public Infrastructure (DPI) can be leveraged for tangible societal benefit. It provides security and transparency for the lender while delivering unparalleled ease and financial empowerment for the customer, pushing India further along its path toward complete financial inclusion.

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