One 97 Communications Ltd Management Discussions

Macroeconomic overview

India continues to be the fastest-growing major economy in the world, with FY 2025-26 GDP growth of 7.6%, up from 7.1% in FY 2024-25, supported by resilient domestic demand, expanding formalisation, rising digital adoption, and sustained growth in services and infrastructure-led investment. India is on track to become the third-largest economy by 2030-2031 with a projected $6.1 trillion GDP1. Indias digital economy is expected to be a key driver of this growth that continues to reshape economic growth, employment, consumer welfare, and living standards. Underpinning this digital momentum is a robust macroeconomic foundation. This momentum rests on one of the worlds most extensive stacks of digital public infrastructure. Aadhaar has issued over 143 crore digital identities, broadband subscriptions crossed 100 crore in November 2025, data costs of roughly 8 10 per GB rank among the lowest globally, and 5G now covers virtually all districts2. India has also become a globally significant exporter of digitally delivered services, while sustained public investment in computing capacity is broadening access to AI-ready infrastructure2.

Artificial Intelligence is emerging as a key enabler of Indias next phase of growth. India ranks among the worlds leading nations on AI capability, supported by its deep talent base, even as generative AI becomes the fastest-diffusing technology in history. India is democratising AI through the 10,300 crore IndiaAI Mission, which has deployed 38,000+ GPUs at a subsidised rate, built shared national resources like AIKosh and sovereign multilingual models such as BharatGen, all underpinned by 5G across 99.9% of districts and rapidly expanding data centre capacity3. Paytm is integrating AI throughout its business and operations to boost efficiency, lower costs, improve productivity, and create new offerings, leveraging this expanding AI infrastructure and talent ecosystem.

Together, Indias macroeconomic resilience, expanding consumer base, world-leading digital public infrastructure and AI-led capabilities provide a strong foundation for the continued expansion of digital payments and financial services over the medium to long term.

Industry Overview and Outlook

India is among the worlds largest and most advanced fintech ecosystems, ranking in the top three globally4. The India fintech market size measured by revenue is $51 billion in 2026 and is projected to reach $109 billion by 2031 at a 16% CAGR5. The digital payments market is projected to expand roughly threefold by FY30 to $10.2 trillion. UPI is expected to remain central to this growth, accounting for close to 90% of transaction volume and on track to reach one billion transactions per day by FY28, supported by rising merchant acceptance, deeper usage beyond metropolitan centres, credit on UPI, RuPay credit-card integration, biometric authentication, IoT-enabled payments and emerging cross-border use cases6. The merchant payments ecosystem is also expected to evolve from acceptance-led growth towards value-added monetisation, expected to reach $3.3 3.6 trillion by FY30, growing at 20 22% CAGR7.

The broader Fintech opportunity remains significant. Digital lending, wealth and insurance distribution are expected to be among the fastest-growing adjacencies as the penetration remains low, leaving substantial headroom for growth. Digital lending is emerging as a key fintech profit pool. The lending opportunity is expected to reach $2.4 2.7 trillion by FY30, growing at 12 14% CAGR. Merchant lending is particularly attractive, as the merchant payment acceptance relationship supports loan origination and collection, while daily repayment models help reduce credit risk. The insurance opportunity is expected to reach $0.23 0.25 trillion by FY30, growing at 10 12% CAGR. WealthTech is benefiting from rising retail participation, digital onboarding and increasing capital market awareness. The broking and equity derivatives opportunity is expected to reach $4.4 - 4.8 trillion by FY30, growing at 11 13% CAGR7.

Companies with scale, trusted consumer and merchant relationships, AI-led technology capabilities, a strong compliance culture, and partnerships with regulated financial institutions are well positioned to participate in Indias next phase of digital financial services growth.

1 World bank group April 2026 - India Development Data 2 Bridging Digital Divide- PIB Press Release 3 Transforming India with AI - PIB Press Release 4 KPMG India Fintech Report 5 Mordor Intelligence India fintech market 6 Indian payments handbook - 2025-2030 7 BofA - fintech - India Research

Our Business Model

Our core strategy centres on a payment-led approach, utilising our extensive and AI-powered omni-channel payment platform to acquire and deeply engage both consumers and merchants. This robust ecosystem then enables the distribution of higher margin financial and marketing services, with artificial intelligence embedded across every product journey and internal process to compound retention, monetisation and drive efficiencies and scalability.

Our payment services are the cornerstone of our business, acting as a significant acquisition engine. We are Indias Full Stack Merchants Payments Leader for Enterprises and MSMEs, owning the merchant relationship end to end. Our acceptance suite - QR, Soundbox, All-in-One POS (EDC terminals) and the online gateway, supports every major instrument, including cards, credit card on UPI and EMI, with industry-leading success rates, while aggregating them into a single stack and negotiating rates with partners and acquiring banks so a merchant transacts through one relationship. A large field sales and service force onboards, deploys, services and supports merchants on the ground, acting as a financial-inclusion agent that brings digital payments to merchants of every size. Payment-processing margins, recurring device subscriptions and device refurbishment together make the model both high-value and capital-efficient. The large size of our ecosystem enables us to distribute high-margin financial services, including merchant loans, personal loans, equity broking, and insurance, to our consumers and merchants. We operate this as a capital-light business with lending partners. Loans are underwritten and booked by the Companys lending partners on their own balance sheets, while Paytm brings merchants and consumers, insights, an improved borrower experience and collections discipline. Merchant loan distribution, in particular, is a large and compounding opportunity: it already generates significant revenue and profitability, yet remains substantially underpenetrated across our merchant base, giving it a long runway for growth while funding continued investment in the merchant ecosystem. On the consumer side, we distribute personal loans and Paytm Postpaid offered through a bank partner across merchants helping deepen the engagement. We also offer high-margin Marketing Services, including advertising, travel ticketing, and deals and gift vouchers, which monetise our app traffic and empower merchants to grow their businesses.

AI is central to how we operate and scale. At the core, we build applied AI models on top of leading open-source models, together with small language models re-trained for the small-and-medium-business context and optimised for voice and Indian languages, which power decisioning, risk management and personalisation across the platform. Built on these, our merchant-lifecycle platform (ARMS) and our risk and fraud-detection systems support acquisition, onboarding, segmentation, retention, monetisation and servicing.

AI both lowers our cost to serve and accelerates operating leverage. As work shifts from people to technology and now AI, incremental volume no longer carries proportionate cost. Agentic tooling brings the same intelligence into our own software development, lifting engineering throughput without proportionate headcount, while AI-led automation reduces the cost of onboarding, fraud prevention and collections. Equally, by lowering the cost of building and launching new products, AI lets us create and distribute new revenue lines to our existing base of consumers and merchants. It reinforces a high-retention flywheel: payments acquire and retain merchants and consumers at scale; that engaged base lowers the cost of, and de-risks, financial-services and marketing distribution; the resulting high-margin revenue funds continued investment in payments and AI; and AI, in turn, compounds retention, monetisation and unit economics. It is this self-reinforcing loop, rather than any single product, that enabled our transition to full year profitability.

Payment Services

Our payments business serves both consumers and merchants. On the consumer side, operated through One97 Communications Limited (OCL), we enable everyday transactions such as UPI (P2P and P2M), bill payments, recharges and money transfers across UPI. Our merchant payments business, operated primarily through our material wholly-owned subsidiary Paytm Payments Services Limited ("PPSL"), offers a full-stack acceptance suite spanning QR, Soundbox, All-in-One POS and the online payment gateway, enabling merchants to accept all major instruments, complemented by a subscription-led device base and value-added services. Our offerings include:

For MSMEs, our zero-cost QR solution has enabled over 4.5 Cr merchants to join the digital economy. We offer Soundbox devices which provide real-time voice payment confirmations, enhancing merchant engagement and creating a growing subscription-based revenue stream. These innovations foster merchant trust, loyalty, improved retention, and boost transaction volumes

For enterprise merchants, we have a leading position in offering payment platforms through our online payment gateway, as well as All-in-One POS (EDC terminals for card and QR acceptance) which supports all payment methods with industry-leading success rates. We have also pioneered and scaled products like Card Soundbox and Dynamic QR and we are among the first payment aggregators to enable Credit Line on UPI, widening credit acceptance across our merchant base

We primarily focus on the full stack payment gateway model, wherein we own the merchant relationship, aggregate all major payment instruments, negotiate rates with merchant partners and acquiring banks, and provide cutting edge hardware and technology. This model enables us to better identify and cater to specific merchant needs, improve retention, and drive superior lifetime value, outperforming traditional capex-heavy POS provider models. Our payment processing economics have strengthened structurally as the acceptance mix shifts toward higher margin, MDR-bearing instruments, including credit cards, credit card on UPI, and affordability offerings such as EMI. Our app is designed to facilitate a wide array of consumer transactions, including the ability to scan and pay using QR codes for payments, recharges, bill payments, and money transfers. To enable these transactions, consumers can utilize a variety of instruments, such as cards, net banking, and UPI (including UPI Lite), across both online and in-store payment scenarios, leveraging QR codes and other devices. Our technology investments and strategic focus have enabled us to deepen market penetration, supported by the largest fleet on the street. Through an AI-first, product-led approach, we have delivered consistent gains in consumer UPI payment market share, reinforcing the consumer side of our payments business.

Distribution of Financial Services

In financial services, we operate a loan-distribution business, an insurance distribution business (through our wholly owned subsidiary Paytm Insurance Broking Private Limited (PIBPL)) and an equity broking and mutual fund business (through Paytm Money Limited (PML)). This segment offers significant monetization potential and contributes to our overall profitability, providing the financial ability to continue investing in the consumer and merchant ecosystem. The low penetration of financial services in India presents a substantial opportunity for our continued expansion.

Loan Distribution

We operate a technology platform that connects borrowers with lending institutions, providing infrastructure to facilitate loan transactions. This platform offers capabilities across the loan lifecycle, including origination and collection. Financial institution partners underwrite and book loans, leveraging Paytms reach for distribution and systems for efficient collection outsourcing, thereby accessing a broad customer base. We are uniquely positioned to capitalize on the merchant loan opportunity due to our large merchant acquiring network and extensive payment device base, coupled with longstanding partnerships with financial institutions. We offer two types of loans: (1) loans where we assist the lenders with collection and (2) distribution-only loans where our lending partner handles the collections.

Our merchant loan distribution business continues to see strong momentum, driven by a growing base of device merchants, more lending partners, deeper penetration and rising ticket sizes. Growth is compounding in nature, with the majority of loans going to repeat borrowers, a sign of merchant stickiness and product-market fit while AI improves engagement, sharpens risk insights for our lending partners, and makes collections more efficient.

Other Financial Services

We continue to invest in building our equity broking and mutual fund distribution businesses by offering a high-quality trading platform at a low and transparent cost. During the year, we improved monetisation across equity broking, Margin Trading Facility (MTF) and other products, including Paytm Gold, and continued to scale our MTF business. Across these products AI-led personalisation is driving higher engagement and revenue per active customer, with AI-powered offerings expected to drive further growth. With penetration of these products still low, we see a significant long-term opportunity in wealth.

Marketing Services

Our Marketing Services segment is a strategic pillar focused on driving additional monetization by leveraging our large base of payment customers, including both consumers and merchants. This is a high-margin opportunity and acts as a support function to our core payment business by enabling merchants to conduct more commerce activities and engage consumers. The primary components of our Marketing Services business include advertising, travel ticketing, credit card distribution, and deals and gift vouchers. Revenue in this segment is generated through transaction fees, subscription/ volume-based fees for certain solutions, and advertising partnerships. For credit card distribution, revenue includes upfront fees on activation and a portion of interchange fees.

Business Update and Outlook

FY 2025-26 was a landmark year for Paytm, marking our first full year of profitability, with a comprehensive EBITDA swing of 2,008 Cr YoY. We delivered operating revenue of 8,437 Cr (+22% YoY), Contribution Profit of 4,860 Cr (+32% YoY), EBITDA of 502 Cr (6% margin), and PAT of 552 Cr. The focus for the coming periods remains on accelerating revenue growth alongside continued margin expansion, driven by four compounding engines already in motion: (1) accelerating expansion of merchant payments, led by market-share gains and a richer, higher margin instrument mix, with merchant GMV growth reaccelerating on the strength of offline merchants and an improving online merchant business; (2) structural growth in our high-margin financial services distribution business across both merchant and consumer lending, supported by its compounding nature, expanding lender participation, a growing device-merchant base, and AI that sharpens engagement, partner risk insights and collections; (3) consumer-lifecycle monetisation across payments, credit and wealth, where AI-led product innovation is translating into market-share gains, with early tailwinds in advertising and personal loans; (4) Continued application of AI across the organisation, with revenue and contribution profit expected to grow meaningfully faster than indirect expenses, embedding operating leverage into the model and supporting further EBITDA-margin expansion. We will stay asset-light and partnership-led, using our strong cash position to reinvest.

Sustained profitable revenue growth in FY 2026

Our revenue is reported under three segments: (i) Payment Services, (ii) Distribution of Financial Services, and (iii) Marketing Services

We have reported total revenue of 8,437 Cr in FY 2026, reflecting sustained, profitable growth across the business. Payment services (including other operating revenue) continued to be the largest revenue driver, contributing 4,891 Cr and accounting for 58% of total revenues. Distribution of Financial Services was the fastest-growing segment, with revenues scaling to 2,594 Cr and accounting for 31% of total revenues. Marketing Services represents 11% of total revenues at 952 Cr in FY 2026.

Payment Services

In FY 2025-26, Payment Services revenue (including other operating revenue) grew 21% YoY to 4,891 Cr, reflecting the combination of strong GMV growth, expanding payment processing margins, and a rapidly growing subscription merchant base. This represents a full recovery and acceleration from the disruptions experienced in the prior year.

Higher processing margin with larger subscription base in FY26

Our Payments business is driven by two primary margin contributors: Payments Processing Margin and Subscription Revenue. In payment processing, we generate revenue from facilitating various payment types, including UPI, cards, Rupay CC on UPI, and EMI. This revenue is captured after deducting charges incurred on such transactions. Our merchant Gross Merchandise Value (GMV) for FY 2026 reached approximately 23.8 Lakh Cr, representing approximately 26% YoY growth, driven by deepening merchant penetration in tier-2 and tier-3 cities, expansion of device-based merchants, and growth in high-value MDR-bearing instruments. A key FY 2026 highlight was the expansion of our payment processing margin, driven by disciplined pricing, strong growth in credit card on UPI transactions, and the scaling of affordability offerings such as EMI that carry higher margins than UPI. We also earn subscription revenue from merchants using our payment devices, such as Soundboxes and POS machines. Our subscription merchant base crossed 1.51 Cr as of March 2026, a 27 Lakh YoY addition (from 1.24 Cr at end-FY25). Consistent addition of high-quality device merchants supported by device innovation (Indias first Solar-powered Soundbox, Double Battery Soundbox, Card Soundbox, and the AI Soundbox preview) and strong service drives recurring subscription revenue and widens the loan distribution funnel. We have improved the economics of this business through lower device costs, greater refurbishment and higher sales productivity, passing the benefits to our most engaged merchants and strengthening retention, market share and monetisation.

Consumer Payments, Market Share Gains

The Company achieved consistent UPI consumer market share gains every single month throughout FY 2026. Paytms consumer UPI gross transaction value (GTV) grew more than twice the industry growth rate in Q4 FY 2026, with consumer UPI gross transaction value (GTV) reaching 5.5 Lakh Cr in Q4 FY26 (+46% YoY). Our AI-first, product-led strategy, encompassing personalised UPI IDs, AI-driven app personalisation, and targeted retention tools, drove these gains while maintaining disciplined marketing spend. Average Monthly Transacting Users (MTU) expanded to 7.7 Cr by Q4 FY26 (+50 Lakh YoY), demonstrating the success of our engagement-first approach.

Distribution of Financial Services

Distribution of Financial Services includes revenues that we make from our financial services partners or consumers of our financial services offerings, primarily loan distribution. Distribution of Financial Services revenue grew 52% YoY to 2,594 Cr in FY 2025-26, establishing it as our fastest-growing and high-margin business segment. The segment now contributes 31% of total revenues, up from 25% in FY25.

We are increasingly focused on tracking Key Financial Services Customers, unique consumers and merchants who have availed financial services through Paytms platform. This metric grew from approximately 5.5 Lakh at the beginning of FY26 to 7.5 Lakh by end of Q4 FY26 (+36% YoY), reflecting deepening financial services penetration across our merchant and consumer base.

Marketing Services

Revenue from Marketing Services was 952 Cr in FY 2025-26, a decline of 12% on a like-for-like basis, excluding entertainment ticketing revenue from FY25, reflecting: (i) consumer app optimisations that deliberately reduced marketing properties on Paytm app for user experience, and have more selective upsell of Marketing Services categories, (ii) moderation in MTUs in H1 FY26 and (iii) Headwinds in certain businesses like Travel and credit card distribution Our revenue streams include transaction fees charged to merchants and convenience fees to customers, typically a percentage of transaction value for services like travel and deals. Additionally, we generate revenue through subscription and volume-based fees for our cloud and software solutions provided to merchants. Our advertising partners also contribute to revenue based on campaign scale and type.

Contribution Profit

Contribution Profit grew 32% YoY to 4,860 Cr in FY 2026, with Contribution Margin expanding 430 basis points to 58% from 53% in FY 2025. This margin expansion reflects improvements in: (i) higher net payment processing revenue on account of payment processing margin expansion (ii) significantly higher share of Distribution of Financial Services revenue, which are high margin and (iii) a 21% reduction in other direct expenses due to lower DLG costs, lower loan collection costs, and cost optimisation.

Indirect Expenses

Indirect expenses (including ESOP costs) declined 16% YoY to 4,358 Cr in FY 2026 from 5,184 Cr in FY 2025, demonstrating significant AI-led operating leverage. The absolute reduction of 826 Cr in indirect costs, against a 1,537 Cr revenue increase, illustrates the structural nature of the improvement.

Marketing costs declined 46% YoY to 275 Cr from 508 Cr in FY25. This was achieved while simultaneously investing in consumer market share gains, reflecting the power of our product-led, AI-driven acquisition and retention model. Employee costs (including ESOP costs) reduced 16% YoY to 2,765 Cr, driven primarily by: (i) significantly lower ESOP costs in FY26 (ii) AI-led productivity improvements, particularly in non-sales functions. However, sales and service employee costs increased by approximately 29% YoY in Q4 FY26, reflecting our continued investment in expanding our field sales force into tier-2 and tier-3 markets.

Software, cloud and data centre expenses were broadly flat YoY at 643 Cr despite significant growth in payment volumes and AI investments, reflecting improved commercial terms and engineering efficiencies. Depreciation and amortisation (D&A) for FY26 came in at approximately 568 Cr, a material reduction from FY25, driven by lower device costs and the focus on refurbishment.

EBITDA

FY 2025-26 marked our first full year of positive EBITDA, with EBITDA reaching 502 Cr (EBITDA margin of 6%), a 2,008 Cr improvement from the (1,507) Cr reported in FY 2025. This transformation was driven by the combination of 22% revenue growth, contribution margin expansion, and a 826 Cr reduction in indirect costs.

EBITDA turned profitable in Q1 FY26 at 72 Cr, progressed to 142 Cr in Q2 FY26 and 156 Cr in Q3 FY26, and stood at 132 Cr in Q4 FY26. The sequential moderation in Q4 FY26 reflects: (i) the non-recurrence of PIDF scheme incentives (which contributed 88 Cr in Q3 FY26 and only 10 Cr in Q4), and (ii) the seasonally softer period following the festive quarter.

The FY25 PAT included a one-time gain of 1,345 Cr on the sale of the entertainment business and a one-time charge of 522 Cr from ESOP acceleration. The FY26 PAT includes a one-time charge of 190 Cr for full impairment of a loan to our JV, First Games Technology Private Limited (in Q2 FY26)

Discussion on financial performance with respect to operational performance

Five-Year View

Details of Key Consolidated Financial Ratios

Drivers for Growth and Opportunities

Lead and Deepen Indias Merchant Payments Market: Paytm will continue to scale its unrivalled leadership across merchant segments, MSMEs and enterprises, by deepening acceptance of first-to-market payment innovations such as QR, Soundbox, All-in-One POS card machines, and MDR-bearing instruments. The Company is investing in expanding its sales force in tier-2 and tier-3 cities. With merchant device subscriptions growing consistently and payment processing margins expanding above 4 bps, the payments business has demonstrated structural profitability.

Scale Distribution of Credit: We plan to grow our high-margin loan distribution revenue by increasing the number of lending partners, introducing and scaling new products (including Paytm Postpaid), and further enhancing collections performance through AI models. Merchant loans exhibit lower cyclicality than consumer credit, and with repeat borrower mix above 50%, the business demonstrates sustainable compounding growth. The shift to the non-DLG model provides a lighter balance-sheet distribution model while maintaining strong lender relationships.

Consumer Market Share Expansion: Our strategy involves product-led innovation to achieve higher consumer retention and market share gains. Paytm MTU has been growing consistently. As MTU expands, this is expected to improve monetisation from personal loans, advertising, equity broking, Paytm Postpaid, and Mutual Fund SIPs.

AI-First in Every External and Internal Product: We are committed to applying AI to every customer-facing and internal process, from the AI Soundbox for merchants to AI-powered fraud detection, merchant lifecycle management (ARMS), personalised consumer recommendations, coding assistance, and collection prioritisation. Regulatory Milestones and PPSL Licensing: The receipt of Payment Aggregator licences for online, offline (PA-POS) and cross-border payments by PPSL in FY26 is a landmark development. This enables Paytm to onboard online merchants directly as a licensed PA and expands our addressable market significantly. International Expansion: For additional long-term growth, we are exploring opportunities in select international geographies, expecting to see results from these ventures after 3 years, leveraging its technology-led merchant payments and financial services distribution model.

Internal Control Systems and Risk Management Framework

In a rapidly evolving business, technical and regulatory environment, coupled with dynamic consumer demands and growing competition, our risk profile is also evolving constantly. Our Company is cognisant that effective risk management is core to a sustainable business. We have therefore adopted a dynamic risk management framework that functions under the oversight of our Risk Management Committee. This risk management framework encompasses policies and procedures aimed at fostering transparency, minimizing potential adverse impacts on our business objectives, and ultimately enhancing the Companys competitive advantage. Anti-Money Laundering and Counter-Terrorism Financing Risk Management: To ensure clean day-to-day operations, we have instituted comprehensive on-boarding and risk management practices, which include appropriate anti-money laundering (AML) policies and procedures in line with regulatory requirements. Our AI-powered risk models, including Paytm Pi, our fraud and risk detection platform, continuously monitor transactions and merchant behaviour for suspicious patterns.

Business and Operational Risks

Macro economic environment: We continue to monitor and adapt to any macro-economic condition that affects our customers and merchants as it could also have an impact on our business. We will continue to do all that is necessary and in our control in such scenarios

Financial: We continue to focus on improving profitability while making disciplined investments in areas such as expanding our products and services, broadening our marketing and promotional activities to acquire and retain customers and merchants. There could be growth in expenses as we continue to expand our business operations

Pace of technology innovation: We make significant investments to constantly improve the scale, stability and functionality of our technology. Failure to maintain best-in-class technology infrastructure could harm our business and prospects

Cybersecurity: Our platform incorporates multiple layers of protection for business continuity and to manage cybersecurity risks and data security breaches. We use analytics and machine learning to ensure optimum automated fraud detection during transaction processing. Encrypted data transmission using security protocols and algorithms ensures confidentiality and prevents leakage of confidential customer data. Data and technology infrastructures are vulnerable to cyber attacks, as any such incident could damage our reputation and brand and substantially harm our business

Regulatory: We are extremely focused on ensuring compliance with the statutory and regulatory framework, and are continuously strengthening our compliance processes and management depth as some of our businesses are subject to a fast evolving regulatory landscape

Competition: We consistently invest in enhancing our platform and customer-centric services in order to maintain our leadership. Our industry is extremely competitive, and consumers and merchants have multiple options

Litigation: We have a dedicated team to manage litigation risk and engage external consultants where necessary, thereby ensuring minimum impact of materiality. As a Company (or key management) we may be subject to legal proceedings, including ongoing litigation in tax, civil or other matters

Material Developments in Human Resources

In FY 2026, we had an average of 47,826 active on-roll employees, inclusive of all subsidiaries. Our average on-roll employee base continued to shift toward sales and service roles, reflecting our investment in merchant and consumer distribution. Average sales employees increased to 42,018 in FY26 (from 32,614 in FY25), as we invested in deepening our presence in tier-2 and tier-3 cities.

Non-sales employee costs (including ESOP costs) declined materially on a year-over-year basis, driven by: (i) significantly lower ESOP costs, and (ii) AI-led productivity improvements that improved output per employee across technology, operations, and support functions. None of our employees are represented by a labour union. We have not experienced any work stoppages since incorporation. We are committed to creating an inclusive, meritocratic, and purpose-driven workplace that attracts and retains the best talent in Indias digital economy.

Sustainability and Supporting our Community

We are governed by our values of serving the community, and maintaining trust while moving fast, responsibly and focusing on the underserved and unserved. Not only do we solve for our merchants receiving mobile payments via various sources, and in turn, engaging more users, but also provide seamless and safe access to micro-credit, business payment solutions and wealth management. Paytm is committed to sustainability and is dedicated to ESG. The companys sustainability efforts include promoting financial inclusion, and supporting local communities. Mobile Payments: Paytm has played a significant role in promoting mobile payments and reducing the reliance on cash transactions. By providing a seamless and secure digital payment experience, Paytm has contributed to greater financial inclusion and transparency, reducing the environmental impact associated with the production and circulation of physical currency. Products like Soundbox devices allow better reconciliation for merchants, hence enhancing their trust in digital payments.

Financial Inclusion: Paytm has been instrumental in promoting financial inclusion by providing access to financial services to individuals who were previously unserved. Through its services, Paytm has enabled people to send, and receive money digitally, empowering them economically and reducing inequalities. Paytms commitment to ESG principles goes beyond its business operations. The company actively engages in social and environmental initiatives to drive positive change.

International forums for Sustainability

Our Founder is also on the Advisory Board of the Green Digital Finance Alliance. The Alliance was set up to address the potential for digital finance and fintech-powered business innovations to reshape the financial system in ways that better align it with the needs of sustainable development.

Corporate Social Responsibility or Philanthropic Activities Education

Education Support: To promote equitable access to education, the Foundation distributed school books, winter uniforms, footwear, and stationery to 200 underprivileged children in Delhi. This initiative helped reduce financial barriers to education and enabled children to continue their learning with dignity and confidence. Infrastructure Development: Strengthened the learning environment at Shankara Vidya Kendra NGO, Delhi, by constructing sanitation facilities and dedicated training spaces. These interventions enhanced safety, hygiene, and accessibility, creating a more conducive environment for education and skill development.

Digital Education and Capacity Building: Established computer labs in two government schools in Vizianagaram, Andhra Pradesh, with a view to advancing digital literacy among students.

Higher Education Support: Supported the scholarship of 24 students for completing their higher studies at Scaler School of Technology.

Wisdom on Wheels Initiative: Donated a mobile digital bus equipped with laptops and learning tools to Veer Surendra Sai University of Technology (VSSUT) University, Sambalpur, in furtherance of digital literacy and financial awareness.

Healthcare Support

Support for Persons with Disabilities: facilitated health screenings and distributed 80 assistive aids and appliances to Persons with Disabilities (PwDs). The initiative enhanced mobility, accessibility, and independence, contributing to improved quality of life and social inclusion.

Access to Safe Drinking Water: Donated RO-enabled water coolers to the Government Institute of Medical Sciences (GIMS), Greater Noida, ensuring access to safe and clean drinking water for patients, caregivers, and healthcare professionals while promoting better health and hygiene.

Employee engagement program

As part of our CSR-driven employee engagement initiatives, Paytm employees contributed a total of 2,040 volunteer hours across a diverse range of community development activities. These included environmental conservation drives, financial literacy sessions, food distribution, tree plantation, donation campaigns, and engagement activities with children, persons with disabilities, cancer patients, and the elderly. Through these initiatives, we continue to foster a culture of volunteerism while creating meaningful social impact and contributing to a more inclusive and sustainable society.