Paytm Q2 FY 2024 Financial Performance
We offer only 3 types of loans that are based on our
payment business
•
Postpaid Loans
Penetration at 4.5% of MTU
Large Postpaid user base also provides
cross-sell opportunities for Personal Loans
& Credit Cards
•
Personal Loans
Penetration at 1.1% of MTU
•
Cross sell opportunities continue with over
35% of loans to existing Postpaid users
•
•
Value of
Loans
122% YoY
*9,010 Cr
91% YoY
*4,062 Cr
3,927 Cr
*8,039 Cr
*3,447 Cr
*6,794 Cr
*2,931 Cr
*5,202 Cr
*4,050 Cr
*2,055 Cr
Paytm
Merchant Loans
Penetration at 6.4% of devices merchants
Device merchants accounted for more than
85% of disbursals; Repeat rate of ~50%
171% YoY
*3,275 Cr
*2,744 Cr
*2,313 Cr
*1,825 Cr
*1,208 Cr
Sep-22
Dec-22
Mar-23 Jun-23
Sep-23
Sep-22
Dec-22
Mar-23
Jun-23
Sep-23
Sep-22
Dec-22
Mar-23
Jun-23
Sep-23
# of Loans
(Lakh)
89
101
115
123
128
1.9
2.4
2.7
3.0
2.4
0.8
1.2
1.4
1.4
1.8
Calculation of penetration:
Postpaid: Avg monthly number of loans in a quarter as a % of that quarter's avg MTU; Personal Loans: Number of loans disbursed in last 12 months as a % of avg MTU in Q2 FY 2024; Merchant loans: Number of loans disbursed in last 12 months as % of devices
deployed at end of Q2 FY 2024
7View entire presentation