Paytm Statistics 2025: Financial Performance and User Engagement Insights

In the bustling landscape of digital payments, Paytm has emerged as a trailblazer, transforming the way people transact in India. From its humble beginnings as a mobile recharge platform to becoming a multi-billion-dollar fintech giant, Paytm’s journey exemplifies innovation and adaptability. In 2025, Paytm will continue to shape the digital economy with record-breaking statistics and trends. Let’s dive into the numbers and milestones that define Paytm’s story this year.

Editor’s Choice: Key Milestones

Paytm’s revenue reached ₹23,090 crore in 2024, showcasing an 18% year-over-year growth, primarily driven by its thriving financial services division.
250 million monthly active users (MAU) as of early 2024, reinforcing its dominance in India’s digital payment ecosystem.
Over ₹7.8 trillion worth of transactions were processed in Q1 2024 alone, a 22% increase from the same period in 2023.
Paytm’s loan disbursal crossed ₹12,000 crore, doubling the figure from the previous year.
Achieved 45 million subscribers for Paytm Payments Bank, making it one of the fastest-growing digital banks globally.

Rapid Growth in Paytm Payments Bank's Subscriber Base

Partnered with over 25 million merchants, expanding its reach across urban and rural areas.
Paytm Wallet transactions hit ₹3.5 trillion in 2024, maintaining a 30% market share in India’s mobile wallet sector.

Paytm Q3 FY25 Revenue: QoQ Growth, But YoY Decline

Payment Services revenue rose to INR 1,003 Cr in Q3 FY25, up from INR 946 Cr in Q2 FY25, but significantly down from INR 1,679 Cr in Q3 FY24.
Financial Services revenue climbed to INR 502 Cr in Q3 FY25, a quarter-over-quarter boost from INR 376 Cr, though lower than INR 607 Cr a year ago.
Marketing Services revenue dropped to INR 267 Cr in Q3 FY25, compared to INR 302 Cr in Q2 FY25 and INR 514 Cr in Q3 FY24, marking a double decline.
Direct Expenses increased to INR 869 Cr in Q3 FY25, rising from INR 766 Cr in Q2 FY25, but still below the INR 1,331 Cr spent in Q3 FY24.

Financial Performance

Paytm posted its first-ever quarterly profit in Q4 2023, with a net profit of ₹84 crore, marking a major milestone in its financial history.
Operating revenue for FY 2024 is expected to exceed ₹24,500 crore, driven by its expanding services in lending and insurance.
The contribution margin improved to 52%, up from 41% in FY 2023, showcasing operational efficiency.
Paytm’s advertising revenue surged by 65%, reaching ₹2,200 crore, thanks to increased brand collaborations.
Total gross merchandise value (GMV) grew to ₹16 trillion in the fiscal year, a 20% rise compared to the previous year.
The fintech’s cloud services division saw a 50% increase in revenue, contributing to diversification beyond payments.
Paytm’s R&D expenditure crossed ₹500 crore, focusing on AI-driven financial tools.

User Base and Engagement

Over 500 million registered users, making Paytm one of the largest digital payment platforms globally.
Daily active users (DAU) crossed 40 million, reflecting a 15% increase from 2023.
Users spent an average of 21 minutes per session on the Paytm app, up from 18 minutes last year.
91% retention rate among users who transacted within the last six months, highlighting Paytm’s strong engagement strategies.
More than 5 million new users were onboarded through Paytm’s cashback campaigns in Q1 2024.
A surge in UPI-based transactions, with over 8 billion UPI payments processed in Q1 2024.
Rural engagement increased by 30%, with 120 million rural users now using Paytm services actively.

Paytm's User Base in Digital Transactions

Common Metrics

Paytm Payments Bank recorded ₹1.5 trillion in deposits as of Q2 2024, a 50% YoY growth.
Paytm’s customer satisfaction index rose to 88%, indicating improved service quality.
QR code-based payments contributed to 65% of merchant transactions, showing increased adoption among small businesses.
The average ticket size for transactions increased by 20%, reaching ₹420 per transaction.
Over 2 billion bill payments are processed annually, growing at a 25% YoY rate.
300 million recharge transactions processed on Paytm in Q1 2024, contributing significantly to revenue streams.
Paytm’s marketplace section attracted 35 million monthly shoppers, with a 40% conversion rate on listed products.

India’s Fintech Super Apps in FY24: Revenue vs. Losses

Paytm reported a revenue of INR 9,978 Cr, with expenses at INR 4,440 Cr, leading to a net loss of INR 1,233 Cr in FY24.
PhonePe generated INR 5,064 Cr in revenue, but its expenses soared to INR 7,756 Cr, resulting in a net loss of INR 2,006 Cr.
CRED posted revenue of INR 2,397 Cr, while its expenses totaled INR 3,082 Cr, causing a net loss of INR 1,644 Cr.

Paytm Facts

First Indian fintech to reach a $100 billion GMV milestone in 2024.
Paytm’s IPO in 2021 was among the largest in India’s history, raising ₹18,300 crore.
The platform supports 15 regional languages, catering to India’s diverse population.
Paytm operates in five countries, with significant expansions planned in Southeast Asia and the Middle East.
Paytm received over 50 industry awards in the past three years for innovation in fintech.
The app has an AI-driven fraud detection system that prevented ₹2,000 crore in fraudulent transactions in 2023.
Paytm launched its first credit card in collaboration with SBI Cards, gaining 2 million subscribers within a year.

Expanding Financial Services with a Successful Credit Card Launch

Payment Services Overview

Paytm’s UPI service processed over 10 billion transactions in the first half of 2024, marking a 25% YoY growth.
QR-based payments expanded across 20 million merchants, increasing penetration in tier-2 and tier-3 cities.
The Paytm Wallet maintained a 30% market share, facilitating ₹3.8 trillion in transactions in Q2 2024.
Paytm’s credit card issuance grew by 70%, reaching 3.5 million active users.
Over 50% of offline stores in India now accept Paytm as a primary mode of payment.
Bus ticketing revenue on the platform surged by 35%, driven by convenience and cashback offers.
International remittance services saw a 40% increase in volume, largely benefiting NRIs.

Loan Distribution and Financial Services

Paytm disbursed loans worth ₹18,000 crore in 2024, doubling its volume from the previous year.
Personal loan disbursements increased by 75%, with 1.2 million active borrowers.
The SME lending portfolio grew to ₹7,000 crore, empowering over 200,000 small businesses.
Paytm introduced instant credit lines, with over ₹500 crore sanctioned in the first quarter of 2024.
The app’s gold investment feature attracted 5 million investors, handling ₹6,000 crore in assets.
Paytm Insurance enrolled over 10 million policyholders, contributing to ₹1,500 crore in premium collection.
Mutual fund services expanded by 40%, crossing the ₹8,000 crore AUM mark.

Paytm's Growing Financial Services Portfolio in Crore

Cyber-Safety

Paytm’s fraud detection system blocked ₹3,500 crore worth of suspicious transactions in 2024.
Biometric authentication adoption surged, with over 25 million users activating fingerprint login for added security.
AI-powered algorithms reduced transaction failures to less than 1%, ensuring seamless service.
Paytm’s “Safe Payments Week” initiative reached 10 million users, educating them on secure online practices.
Regular penetration testing ensures 99.99% uptime, reinforcing the platform’s reliability.
The platform launched a fraud helpline, resolving over 90% of reported cases within 24 hours.
Over 5,000 new cyber safety specialists were hired to enhance security operations.

Preferred Payment Apps Among Merchants

76% of merchants surveyed are using Paytm to accept payments from customers — the most used app in the study.
PhonePe is used by 41% of merchants, making it the second most popular choice.
Google Pay is used by 33%, reflecting a solid presence among merchant payment solutions.
18% of merchants rely on BharatPe, indicating a smaller market share compared to top players.
9% of merchants use other apps, showing limited adoption beyond the major players.

Conclusion

As Paytm continues its leadership in the fintech space, its advancements in payments, lending, and cyber-safety set a high benchmark for the industry. With record-breaking user engagement, impressive financial performance, and a commitment to innovation, Paytm is not only reshaping the digital payments landscape but also empowering millions across India and beyond. By leveraging technology and maintaining its customer-first approach, Paytm remains a driving force in India’s digital economy. The future looks bright as the platform expands its footprint and strengthens its impact on users and businesses alike.

Sources

AWS

Barry Elad is a dedicated tech and finance enthusiast, passionate about making technology and fintech concepts accessible to everyone. He specializes in collecting key statistics and breaking down complex information, focusing on the benefits that software and financial tools bring to everyday life. Figuring out how software works and sharing its value with users is his favorite pastime. When he's not analyzing apps or programs, Barry enjoys creating healthy recipes, practicing yoga, meditating, and spending time in nature with his child. His mission is to simplify finance and tech insights to help people make informed decisions.