Paytm Q2 FY 2024 Financial Performance

Our Mobile Credit business is based on distribution and collection using Paytm network Distribution We help various lenders disburse small ticket personal loans and merchant loans Postpaid builds long term credit relationship through small consumption loan On disbursement of loans, we typically make 2.5% to 3.5% of loan value upfront Collection ■ We also collect loans for various lenders leveraging our cost effective mobile & digital capabilities Paytm Loans disbursed through Paytm for the quarter 122% YoY *16,211 Cr *14,845 Cr *12,554 Cr *9,958 Cr 132 128 *7,313 Cr 119 105 92 Sep-22 Dec-22 Loan value Mar-23 Jun-23 Number of loans (Lakh) Sep-23 Revenue from Financial Services & Others for the quarter 64% YoY *522 Cr *475 Cr *446 Cr *349 Cr *271 Cr ■ On collection we make 0.5% to 1.5% of current disbursement value ■ Most of the collection fees is received by us post portfolio closure (typically, 12-14 months for Personal and Merchant Loans, and 3 months for Postpaid loans) Sep-22 Dec-22 Mar-23 Jun-23 Sep-23 6

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