Paytm Q2 FY 2024 Financial Performance

Payments business has two margin drivers Payment Processing Wallet, Postpaid, Credit Card, EMI Overall Margin (Blended) Paytm Gross Merchandise Value for the quarter 15 to 18 bps 7 to 9 bps UPI 3 to 4 bps Paytm UPI Paytm Wallet Paytm Postpaid Paytm Credit Card 41% YoY 4.5 L Cr *4.0 L Cr *3.6 L Cr *3.5 L Cr *3.2 L Cr Paytm EMI Net payment processing margin by payment method Sep-22 Dec-22 Mar-23 Jun-23 Sep-23 Subscription Revenues " " 92 Lakh Soundbox and card devices deployed, added over 14 Lakh devices in last quarter Merchant pays ₹100 to 500 per month for these premium services On select deployment we also earn incentives from banking partners and Government Potential market of 10 Cr merchants in India: large subset of this will be paying monthly subscription Paytm Accepted Here Net Payments Margin for the quarter 60% YoY 707 Cr *648 Cr Paytm UPI *505 Cr *443 Cr 459 Cr No Cost EMI Paytm 6P Sep-22 Dec-22 Mar-23 Jun-23 Sep-23 Note: We have excluded UPI incentives of 182 Cr from Mar-23 net payment margin for like-for-like comparison 5

View entire presentation