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Paytm is doubling down on its investment in Paytm Money, as AI drives higher engagement and revenue per active customer across equity broking, margin trade funding (MTF) and other wealth products.
Paytm Money gets Rs 100 crore capital boost: In a stock exchange filing on Monday, the fintech company said it had received approval from its board to invest up to Rs 100 crore in Paytm Money, its wealthtech arm. The capital will be used to support Paytm Money’s expansion, technology investments, regulatory capital requirements and wealth management business.
This suggests the company is looking to scale Paytm Money’s offerings either directly or indirectly via mergers and acquisitions. However, it did not disclose specific details about its plan either in its filing or earnings release.
Paytm Money offers equity trading, futures and options (F&O) trading and a margin trading facility, and also allows users to invest in mutual funds, digital gold, IPOs and ETFs. It competes against larger brokers like Groww, Zerodha, Upstox and Angel One, as well as its smaller rival Dhan.
As per NSE data, Paytm Money had 7.65 lakh active clients as of March 2026.
MTF emerges as a lucrative business: At the close of Q1 FY27, Paytm was sitting on cash reserves of Rs 13,529 crore. This figure does not include money lent by Paytm Money to its customers for margin trade funding, which allows users to buy stocks by paying 25% upfront, while Paytm Money funds the rest as a loan, with interest rates ranging from 7.99% to 9.99%.
In its earnings release, the company said it is currently working on some organic and inorganic growth opportunities and seeing early signs through MTF, etc., for partial use of this capital with high return on investment (RoI).
“We have improved monetisation across equity broking, MTF and other wealth products including Paytm Gold, with AI-powered offerings expected to drive further growth,” Paytm said.
Paytm had 7.6 lakh key financial services customers as of June 2026, which comprise unique consumers and merchants who have availed its financial services offerings — equity broking (via Paytm Money), insurance (Paytm Insurance Broking) and credit products such as merchant and personal loans distributed through its platform(s).
Paytm’s aggressive wealthtech push comes at a time when the Reserve Bank of India has cancelled its payments bank licence for non-compliance, and the company’s management has ruled out plans to apply for an NBFC licence.
During Q1 FY27, the company’s consolidated net profit climbed 79% year-on-year to Rs 220 crore, while operating revenue rose 28% YoY to Rs 2,448 crore.
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