Adani One, the 'super app' created by the Adani Group, has launched pilot projects with digital lending firms and non-banking financial companies (NBFCs) to offer loans through its platform, according to a report by Moneycontrol.


Managed under Adani Enterprise Limited’s digital branch, Adani Digital Labs Ltd, the company has partnered with KrazyBee Services, an NBFC subsidiary of the fintech company KreditBee, to provide personal loans.


Sources quoted in the report mentioned that Adani One is also in talks with other NBFCs and fintech companies to broaden its credit product offerings.


In this collaboration, Adani Digital will act as a lending service provider (LSP), facilitating personal loans ranging from Rs 1,000 to Rs 5 lakh through KrazyBee’s resources. The commission rates will vary depending on the specific agreement and loan amount, according to the report.


A source stated, “More partnerships are on the horizon. As of now, one (KreditBee) has completed the pilots, and the personal loan facility will soon be available on the app.”

This development marks a step forward in Adani’s super app strategy, which was initially focused on travel and airport services. The company has also partnered with ICICI Bank to offer a co-branded credit card, providing benefits on travel and flight bookings.


Additionally, the app facilitates bill payments through integration with the Bharat Bill Payment System (BBPS), which consolidates all utility billers, insurance premium payments, and loan repayments, the report noted.


This move is significant as another major conglomerate, Tata Group, continues to refine its super app, Neu, despite more than two years since its launch and investments exceeding $2 billion. KreditBee is also a lending partner for Tata Neu, alongside Tata Capital, Cashe, Moneyview, and DMI Finance.


Launched in December 2022, the Adani One app offers a variety of services, including cab services, flight bookings, shopping at Adani-operated airports, rewards redemptions, a loyalty program, product sampling, and porter services.


The loyalty program on the Adani One app is similar to Tata Neu, allowing users to earn and redeem reward points for flight bookings, shopping, and other activities.


Adani One has bolstered its offerings by acquiring stakes in two travel tech companies over the past two years — a 20 percent stake in Cleartrip, owned by Flipkart, and Trainman, a train booking portal backed by Goodwater Capital.


Initially targeting users at Adani-operated airports, Adani One has begun expanding into more consumer businesses, aiming to build a broader digital ecosystem. It introduced bill payment services last year and launched a co-branded credit card in June 2024.


The company’s annual report reveals that the app achieved a gross merchandise value (GMV) of Rs 750 crore for the financial year ending March 2024, with its user base growing to 30 million.


The annual FY24 report stated, “The digital business reached a significant milestone with the successful validation of its platform’s alpha version (featuring its first theme, Travel) aiming to evolve into a premier super app catering to a wide range of frequent use cases.”


Adani One plans to reach 500 million users by 2030 with its super app, leveraging a range of Adani portfolios and partner services, according to the report.