Paytm

Back in 2010, paying a bill meant standing in line. That frustration gave birth to Paytm—the mobile wallet that simplified everyday payments. For a time, it felt like magic. But the market evolved, and soon UPI disrupted the space we created.

The challenge was survival. Wallet use declined, regulatory scrutiny tightened, and investors doubted our future. But we saw the opportunity: UPI wasn’t competition—it was infrastructure. We rebuilt Paytm around UPI-first services, layering credit, insurance, and investments on top.

Today, Paytm is more than a wallet. It’s a financial ecosystem serving millions—from shopkeepers to investors. Our Payments Bank leads UPI transactions, our wealth products are scaling fast, and our merchant base keeps growing.

The journey ahead is about resilience. We’re doubling down on financial inclusion, ensuring that every Indian—from farmers to freelancers—can access modern financial tools. Paytm’s pivot is proof: innovation is not about avoiding disruption, but embracing it.