One 97 Communications Limited — Investor Meet, 12-05-2025: Analysts/Institutional Investor Meet/Con. Call Updates

Paytm has announced a board meeting on the financial results for the quarter and half-year.

Paytm achieved adjusted EBITDA breakeven this quarter, led by robust merchant growth and AI-driven cost efficiencies. Personal loan disbursements stayed subdued amid market credit conditions, while merchant credit lending remains healthy with 8-10 partners active. Management focuses on scaling to 200-250 million engaged users through product enhancements rather than heavy marketing. Key monetization drivers include upcoming UPI MDR rollout, growing merchant loans, and expansion of financial services like Paytm Money (₹200-300 Cr revenue potential). Strategic priorities include evolving as a payment-led super app and expanding globally via partnerships. Revenue growth of 30-35% and EBITDA margins of 15-20% are expected over the next 2-3 years. Investor sentiment is confident, highlighting disciplined growth and strong unit economics.