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Growing the Payments Business

▸ “We mapped a user’s lifestyle and ensure that every use case
was covered. The idea was that whenever a customer wanted to
make a payment, he should pay via Paytm”
▸ “We wanted to give our customers as many options as possible
to use his wallet & stay within the payment network” - Vijay
Sharma ( Founder of Paytm )
 Mobile Recharge
▸ Paytm looked at everything
ranging from the size of
application to the number of
steps to complete a transaction
▸ Every additional step means a
10% drop in the transactions
▸ Because in India low-end
handsets with weak mobile
connections are common
 DTH Recharge
▸ Started in the year July,2011
▸ 28 Million subscribers in 2010
▸ Expected to grow to 70 Million
subscribers by 2015
▸ DTH v/s Analog cable
▸ 6 Nationwide firms v/s 50000
local cable operator
 Bus Tickets
▸ 2000 Private Bus operators
▸ $3 Billion Industry
▸ Expected 40% year-on-year
growth
▸ Industry margin was around 10%
 Utility Payment
▸ Government owned entities
▸ Top 10 Companies had fewer than 2000
cash collecting sectors
▸ Online websites were clunky and time
consuming
▸ Consumer liked the convenience that
paytm offered
▸ Started processing 6 million monthly
transactions by 2013
 Tie-up with Uber
▸ Started in the year November,2014
▸ No worries about returning exact
change
▸ “The Uber users, being slightly
higher in social strata, had a
disproportionately large say in
shaping opinion in society. Soon
they became subject of coffee-table
conversation”
 In July 2015, started peer to peer funds transfer
service
 In July 2015, it collaborated with MERU Cabs
 In January 2016, tied up with M-Taxi, India’s first
two-wheeled vehicle taxi service
 In May 2016, tied up with Jugnoo, an auto rickshaw
aggregator
 Hotels and Travel Packages

▸ Started in the year October,2015

▸ Targeting Tier 2 & Tier 3 cities
▸ Industry margins were 15.3%
 Education
▸ Started in the year August,2016
▸ $100 billion Segment in India
▸ Started with 10 schools &
8 colleges
▸ Target to collaborate 25000
institutes by 2017
 Entertainment
▸ Started in the year August,2016
▸ India Movie ticket Market was $2 billion
▸ Paytm was selling 1.3 million movie
tickets across 2600 screens
 Flight Bookings
▸ Started in the year May,2016
▸ Segment with 7% Margin
 IRCTC
▸ Started in the year September,
2016
▸ 180 Million Transactions
Annually
▸ Ultimate goal was to build
Largest marketplace for travel in
India
 National Authority of India
▸ Radio frequency device that allow
cashless tolls
▸ At 350 Toll Centers
▸ Set a goal of collecting $50 million
in toll fees
 Market Place
▸ Started in the year February,2014
▸ Launched with 250 merchants and
100000 items
▸ “ It doesn’t cost much to build a
market place because there is no
need to hold inventory. Nor we
plan to invest in Logistics”
▸ It focused more on unstructured
goods as it compromised 40%
marketplace GMV and 90% of the
actual item been sold
 Paytm Bazaar
▸ 1500 small and medium sized
local Indian firms
▸ Price range between 15-800 Rs.
▸ Daily sales to approx 1,00,000
customers
▸ 60% repeat sales
▸ 99% advance payments
▸ Cash backs
▸ Benefits because of Direct
connect
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