Paytm Final Presentation

Diti, Divyansh, Diya, Drishti, Dev,
Ethan
Introduction to Paytm
• What is Paytm
• Who started Paytm
• What is the Paytm’s Goal
Paytm as a Payment
Bank
Key Functions of Paytm Payments Bank
1.CASA
2.Digital Wallet Integration
3.Deposits and Withdrawals
The Business and it’s Products
1. Payments:
• Paytm Wallet
• UPI (Unified Payments Interface)
2. Financial Services
• Paytm Money
• Insurance
3. Advertising
• In-App Advertising:
4. Subscriptions
• Paytm First
PRE- IPO INVESTMENTS
September
Febuary 2015 March 2015 2015 August 2016
• ANT • Ratan Tata • ANT • MediaTek
Financial Financial
• AliBaba
November 2019
• SoftBank Vision Fund May 2017
September 2018
• ANT Financial • SoftBank Vision Fund
• Berkshire Hathaway
• Discovery Capital
• T. Rowe Price
DIGITAL PAYMENTS PROCESS
1.User Registration
2.Adding Money
3.Making Payments:
O In-app Transactions
O QR Code Payments
O UPI Payments
4.Security
5.Transaction Confirmation
6.Customer Support
The IPO Announcement
• The announcement was held Between 8th and
10th November 2021.
• Aim was to:
i. Raise capital
ii. Set valuation determining worth
iii. Check Investor interest- both institutional
and retail.
The world’s largest asset manager BlackRock, Canada

Pension Plan Investment Board & sovereign wealth funds of
Singapore & Abu Dhabi were some of the most prominent
anchor investors.
Paytm, which had initially filed for a Rs 16,600 crore IPO in

July, has increased the offer size by Rs 1,700 crore taking it to
Rs 18,300 crore
IPO Details
Objects of Issue Basis Of Offer
Price
 Growing and strengthening
Paytm ecosystem, including •Financial performance
through acquisition and •Market conditions
retention of consumers and •Comparable companies
merchants- ₹ 4,300 Crores •Growth potential
•Brand value
•Investor demand
•Investing in new business
•Company's capital
initiatives, acquisitions and
requirements
strategic partnerships - ₹ 2,000
Crores
MARKET REACTION POST LISTING
• Fall in IPO price of stock from
₹2150 to ₹1385..
•The quarter ending December 2021
saw a loss of approximately INR 778
crores, an increase from the INR 435
crores loss reported in the same
quarter the previous year.
•RBI's announcement raised alarms
about potential systemic issues within
the company
•Paytm had begun to show signs of
recovery with an increase in
transaction volume on its platforms
FINANCIAL PERFORMANCE POST IPO
•Paytm’s revenue from operations has witnessed a fall of

14.6% between FY20 to FY21— from Rs.3281 to Rs.2802
crores.
• Other incomes increased by 48.07% from ₹260 Cr to
₹385 Crs.
•It made a contribution profit of Rs.363 crore for FY21,
compared to a loss of Rs.238 crore in FY20.
•The company’s net losses have narrowed for the last three
financial years by cutting costs
Financial
Metrics
EXPANSION OF SERVICES
On May 2024 One97 Communications, which owns brand Paytm, is bullish on Unified Payments Interface
(UPI) alongside card processing and EMI payments to drive its payment services business.
STRATEGIC PARTNERSHIP
Paytm, announced a strategic partnership with Axis

Bank to enhance point-of-sale (POS) solutions and
electronic data capture (EDC) device (card machine).
This collaboration aims to extend Paytm's technology to

a broader merchant network through Axis Bank's
extensive reach.
This integration is set to provide a comprehensive suite

of store management services.
TECHNOLOGICAL INNOVATIONS
2023 In Innovation
=>Paytm’s AI Router is self learning and intelligently
routes payment traffic between multiple payment
gateways
=> Split bills, guest checkout, advanced bond platform
=>Paytm was going to expand into credit cards and

mutual funds before their license cancellation
Paytm Launches India’s First NFC Card Soundbox
This next-generation payment device combines NFC technology with mobile QR payments, offering an
affordable device for card payments to millions of offline merchants.
Near Field Communication (NFC) is a set of short-range wireless technologies, typically requiring a distance of
4 cm or less to initiate a connection.
With the Paytm NFC Card Soundbox, merchants can seamlessly receive mobile payments from any UPI app
and accept NFC-based debit and credit cards, all through a single device.
Regulatory Challenges
1.Violations of licensing conditions and

KYC guidelines
2.KYC Anti Money Laundering
violations
3.Lack of separation in servers
4.Lack of corrective measures
5.Banned from banking activities
After the Cancellation of Paytm’s
License
Post the RBI ban, Paytm will change its role from a
product manufacturer to a distributor.
One97 Communications Ltd. has received approval

to apply for a Payment Aggregator license.
Thank you

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Paytm Final Presentation

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Diti, Divyansh, Diya, Drishti, Dev,

The world’s largest asset manager BlackRock, Canada

Paytm, which had initially filed for a Rs 16,600 crore IPO in

•Paytm’s revenue from operations has witnessed a fall of

Paytm, announced a strategic partnership with Axis

This collaboration aims to extend Paytm's technology to

This integration is set to provide a comprehensive suite

=> Split bills, guest checkout, advanced bond platform

=>Paytm was going to expand into credit cards and

1.Violations of licensing conditions and

One97 Communications Ltd. has received approval

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