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14	14	= Company Overview =
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17		-One 97 Communications Limited is India’s leading digital ecosystem for consumers and merchants as One 97 Communications has built the largest payments platform in India based on the number of consumers, number of merchants, number of transactions7 and revenue as of March 31, 2021 according to RedSeer. The company offered payment services, commerce and cloud services, and financial services to 337 million registered consumers and over 21.8 million registered merchants, as of June 30, 2021. The company's two-sided (consumer and merchant) ecosystem enables commerce, and provides access to financial services through its financial institution partners, by leveraging technology to improve the lives of its consumers and help its merchants grow their businesses. In FY 2019, FY 2020 and FY 2021, and in the three months ended June 30, 2020 and 2021, revenue from its payment and financial services accounted for ₹16,955 million, ₹19,068 million, ₹21,092 million, ₹4,298 million and ₹6,894 million, respectively, i.e., 52.5%, 58.1%, 75.3%, 78.0% and 77.4%, respectively, of its revenue from operations.{{footnote}}https://static.paytmmoney.com/data/forms/ipo/Paytm_DRHP.pdf{{/footnote}}
	17	+One 97 Communications Limited is India’s leading digital ecosystem for consumers and merchants as One 97 Communications has built the largest payments platform in India based on the number of consumers, number of merchants, number of transactions and revenue as of March 31, 2021 according to RedSeer. The company offered payment services, commerce and cloud services, and financial services to 337 million registered consumers and over 21.8 million registered merchants, as of June 30, 2021. The company's two-sided (consumer and merchant) ecosystem enables commerce, and provides access to financial services through its financial institution partners, by leveraging technology to improve the lives of its consumers and help its merchants grow their businesses. In FY 2019, FY 2020 and FY 2021, and in the three months ended June 30, 2020 and 2021, revenue from its payment and financial services accounted for ₹16,955 million, ₹19,068 million, ₹21,092 million, ₹4,298 million and ₹6,894 million, respectively, i.e., 52.5%, 58.1%, 75.3%, 78.0% and 77.4%, respectively, of its revenue from operations.{{footnote}}https://static.paytmmoney.com/data/forms/ipo/Paytm_DRHP.pdf{{/footnote}}
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20		-The company launched Paytm in 2009, as a “mobile-first” digital payments platform to enable cashless payments for Indians, giving them the power to make payments from their mobile phones. Starting with bill payments and mobile top-ups as the first use cases5 , and Paytm Wallet as the first Paytm Payment Instrument, One 97 Communications has built the largest payments platform in India based on the number of consumers, number of merchants, number of transactions and revenue as of March 31, 2021 according to RedSeer. One 97 Communications has also been able to leverage its core payments platform to build an ecosystem with innovative offerings in commerce and cloud, and financial services. Paytm is available across the country with “Paytm karo” (i.e. “use Paytm”) evolving into a verb for hundreds of millions of Indian consumers, shopkeepers, merchants and small businesses, according to RedSeer. As per the Kantar BrandZ India 2020 Report, the "Paytm" brand is India's most valuable payments brand, with a brand value of US$ 6.3 billion, and Paytm remains the easiest way to transact across multiple methods.
	20	+The company launched Paytm in 2009, as a “mobile-first” digital payments platform to enable cashless payments for Indians, giving them the power to make payments from their mobile phones. Starting with bill payments and mobile top-ups as the first use cases , and Paytm Wallet as the first Paytm Payment Instrument, One 97 Communications has built the largest payments platform in India based on the number of consumers, number of merchants, number of transactions and revenue as of March 31, 2021 according to RedSeer. One 97 Communications has also been able to leverage its core payments platform to build an ecosystem with innovative offerings in commerce and cloud, and financial services. Paytm is available across the country with “Paytm karo” (i.e. “use Paytm”) evolving into a verb for hundreds of millions of Indian consumers, shopkeepers, merchants and small businesses, according to RedSeer. As per the Kantar BrandZ India 2020 Report, the "Paytm" brand is India's most valuable payments brand, with a brand value of US$ 6.3 billion, and Paytm remains the easiest way to transact across multiple methods.
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23		-The Paytm app is a payments-led super-app7 , through which the company offer its consumers innovative and intuitive digital products and services. The company offer its consumers a wide selection of payment options on the Paytm app, which include (i) Paytm Payment Instruments, which allow them to use digital wallets, sub-wallets, bank accounts, buy-now-pay-later and wealth management accounts and (ii) major third-party instruments, such as debit and credit cards and net banking. On its app, the company enable its consumers to transact at in-store merchants, pay their bills, make mobile top-ups, transfer money digitally, create and manage their Paytm Payment Instruments, check linked account balances, service city challans and municipal payments, buy travel and entertainment tickets, play games online, access digital banking services, borrow money, buy insurance, make investments and more.
	23	+The Paytm app is a payments-led super-app , through which the company offer its consumers innovative and intuitive digital products and services. The company offer its consumers a wide selection of payment options on the Paytm app, which include (i) Paytm Payment Instruments, which allow them to use digital wallets, sub-wallets, bank accounts, buy-now-pay-later and wealth management accounts and (ii) major third-party instruments, such as debit and credit cards and net banking. On its app, the company enable its consumers to transact at in-store merchants, pay their bills, make mobile top-ups, transfer money digitally, create and manage their Paytm Payment Instruments, check linked account balances, service city challans and municipal payments, buy travel and entertainment tickets, play games online, access digital banking services, borrow money, buy insurance, make investments and more.
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26	26	The company help its merchants grow their business by giving them solutions that allow them to accept payments, acquire and retain consumers, improve their business operations and access financial services. Merchants can use in-store and online payment solutions to accept payments through Paytm Payment Instruments as well as major third-party payment methods. To help them acquire and retain customers, and create demand, the company offer them services like selling tickets to customers, advertising, mini-app listings, channel and loyalty solutions. In addition to helping its merchant ecosystem facilitate more commerce, the company also provide software and cloud services that allow large, medium and small merchants to improve their business operations and access important financial tools such as banking, wealth and credit facilities.
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126	126	== Payment Services ==
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128		-One 97 Communications has a full suite of payment services for both consumers and merchants which enables them to make and receive payments in a convenient, seamless and secure manner both online and in-store. According to RedSeer, One 97 Communications is the largest payments platform8 in India with a GMV of ₹4,033 billion in FY 2021. One 97 Communications has an overall mobile payments transaction volume9 market share of approximately 40%, and wallet payments transaction market share of 65% – 70% in India as of FY 2021, according to RedSeer.
	128	+One 97 Communications has a full suite of payment services for both consumers and merchants which enables them to make and receive payments in a convenient, seamless and secure manner both online and in-store. According to RedSeer, One 97 Communications is the largest payments platform in India with a GMV of ₹4,033 billion in FY 2021. One 97 Communications has an overall mobile payments transaction volume market share of approximately 40%, and wallet payments transaction market share of 65% – 70% in India as of FY 2021, according to RedSeer.
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130	130	One 97 Communications has driven innovation in the Indian payments landscape, designing and building products for Indian consumers and merchants, and creating new market segments. The company launched a wallet product, Paytm Wallet in 2014, which saw wide-spread acceptance amongst Indians, many of whom were making digital and mobile payments for the first time. The company launched QR in 2015, which the company upgraded to All-in-One QR in January 2020, which is the only source QR code that gives merchants the power to seamlessly accept payments from Paytm Payment Instruments, third party and all UPI instruments directly into their bank account. In 2020, the company launched Paytm Soundbox, an IoT enabled payment acceptance device, providing real time audio confirmation for payment completion.
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