{"id":7182,"date":"2025-07-01T07:22:41","date_gmt":"2025-07-01T07:22:41","guid":{"rendered":"https:\/\/www.kaashivinfotech.com\/blog\/?p=7182"},"modified":"2025-07-18T14:05:56","modified_gmt":"2025-07-18T14:05:56","slug":"one97-communications-paytm-fintech-empire-uncovered","status":"publish","type":"post","link":"https:\/\/www.kaashivinfotech.com\/blog\/one97-communications-paytm-fintech-empire-uncovered\/","title":{"rendered":"\ud83d\udca5 One97 Communications &#038; Paytm: 7 Big Reasons Why This Indian Fintech Empire is Just Getting Started"},"content":{"rendered":"<p data-start=\"369\" data-end=\"477\"><strong data-start=\"369\" data-end=\"393\">One97 Communications<\/strong> \u2014 heard of it? Maybe not. But you definitely know its superstar child: <strong data-start=\"465\" data-end=\"474\">Paytm<\/strong>.<\/p>\n<p data-start=\"369\" data-end=\"477\">This story isn\u2019t just about payments. It\u2019s about survival. Grit. Disruption. And a company that\u2019s constantly balancing praise and pressure.<\/p>\n<p data-start=\"479\" data-end=\"800\">If you\u2019ve ever scanned a QR code at a tea stall, paid for your Swiggy order, or invested your spare change in a mutual fund at 2 a.m., you\u2019ve felt the ripple of <strong data-start=\"640\" data-end=\"664\">One97 Communications<\/strong>. This isn\u2019t just a company; it\u2019s a quiet revolution that started in a small room and has already reshaped how India thinks about money and . And it&#8217;s still evolving.<\/p>\n<p data-start=\"1153\" data-end=\"1207\">So, let\u2019s lift the veil on India\u2019s fintech juggernaut.<\/p>\n<figure id=\"attachment_7190\" aria-describedby=\"caption-attachment-7190\" style=\"width: 1200px\" class=\"wp-caption alignnone\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-7190\" src=\"https:\/\/www.kaashivinfotech.com\/blog\/wp-content\/uploads\/2025\/07\/One97-Communications-Paytm.webp\" alt=\"One97 Communications - Paytm\" width=\"1200\" height=\"600\" srcset=\"https:\/\/www.kaashivinfotech.com\/blog\/wp-content\/uploads\/2025\/07\/One97-Communications-Paytm.webp 1200w, https:\/\/www.kaashivinfotech.com\/blog\/wp-content\/uploads\/2025\/07\/One97-Communications-Paytm-300x150.webp 300w, https:\/\/www.kaashivinfotech.com\/blog\/wp-content\/uploads\/2025\/07\/One97-Communications-Paytm-1024x512.webp 1024w, https:\/\/www.kaashivinfotech.com\/blog\/wp-content\/uploads\/2025\/07\/One97-Communications-Paytm-768x384.webp 768w, https:\/\/www.kaashivinfotech.com\/blog\/wp-content\/uploads\/2025\/07\/One97-Communications-Paytm-840x420.webp 840w, https:\/\/www.kaashivinfotech.com\/blog\/wp-content\/uploads\/2025\/07\/One97-Communications-Paytm-150x75.webp 150w, https:\/\/www.kaashivinfotech.com\/blog\/wp-content\/uploads\/2025\/07\/One97-Communications-Paytm-696x348.webp 696w, https:\/\/www.kaashivinfotech.com\/blog\/wp-content\/uploads\/2025\/07\/One97-Communications-Paytm-1068x534.webp 1068w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><figcaption id=\"caption-attachment-7190\" class=\"wp-caption-text\">One97 Communications &#8211; Paytm<\/figcaption><\/figure>\n<hr data-start=\"860\" data-end=\"863\" \/>\n<h2 data-start=\"865\" data-end=\"906\">\ud83c\udfaf Key Highlights: Why You Should Care<\/h2>\n<ul>\n<li>\ud83d\udcc8 One97 Communications is the powerhouse behind Paytm, India\u2019s biggest digital wallet.<\/li>\n<li>Founder Vijay Shekhar Sharma turned a \u20b910-a-day hustle into a billion-dollar fintech story.<\/li>\n<li>\ud83c\udfe6 Once a digital wallet, Paytm is now a sprawling fintech platform with lending, insurance &amp; more.<\/li>\n<li>\ud83d\udcb0 Revenue of \u20b99,977 crore in FY24; EBITDA-positive milestone crossed.<\/li>\n<li>Over 350 million users and 20 million merchants \u2014 think about that scale!<\/li>\n<li>\u00a0Listed on NSE as Paytm (NSE: PAYTM), constantly in the news for its stock price moves.<\/li>\n<li>From QR codes to insurance to credit, Paytm does it all.<\/li>\n<li>\u00a0Huge focus on AI, cloud, and cybersecurity \u2014 and that means major career opportunities.<\/li>\n<li>The journey is messy, real, and 100% Indian.<\/li>\n<\/ul>\n<hr data-start=\"1465\" data-end=\"1468\" \/>\n<h2 data-start=\"1470\" data-end=\"1534\">\ud83d\udca5 One97 Communications &amp; Paytm: A Story That Starts with \u20b910<\/h2>\n<p data-start=\"1536\" data-end=\"1759\">Back in the early 2000s, Vijay Shekhar Sharma a struggling Delhi College of Engineering grad, fighting his way through English textbooks and living on \u20b910 a day.<\/p>\n<p data-start=\"1251\" data-end=\"1563\"><strong data-start=\"1292\" data-end=\"1316\">One97 Communications<\/strong> started as a VAS (Value-Added Services) company\u2014offering ringtones, cricket scores, and mobile content. No one could\u2019ve predicted that it would one day build <strong data-start=\"1475\" data-end=\"1484\">Paytm<\/strong>, a digital wallet turned financial super app that changed how India transacts.<\/p>\n<p data-start=\"1565\" data-end=\"1585\">\ud83d\udcca <strong data-start=\"1568\" data-end=\"1585\">Did you know?<\/strong><\/p>\n<blockquote data-start=\"1586\" data-end=\"1730\">\n<p data-start=\"1588\" data-end=\"1730\">&#8220;In 2010, we pivoted to digital payments when nobody believed people would pay online in India,&#8221; Sharma said in an interview with <em data-start=\"1718\" data-end=\"1729\">CNBC-TV18<\/em>.<\/p>\n<\/blockquote>\n<p data-start=\"1893\" data-end=\"2067\">The first few years? Brutal. India was still obsessed with cash. Everyone thought Sharma had lost his mind. Even his own family asked why he didn\u2019t just get a \u201cnormal job.\u201d<\/p>\n<p data-start=\"2069\" data-end=\"2272\">Then came November 2016. Demonetization. In one bold government move, cash vanished \u2014 and Paytm was ready to catch the nation. It was like being the only guy selling umbrellas during a sudden downpour.<\/p>\n<p data-start=\"2274\" data-end=\"2439\">In just 48 hours, Paytm added over 7 million users. By December, street vendors and taxi drivers were proudly sticking \u201cPaytm Accepted Here\u201d signs on every corner.<br \/>\nToday, <strong data-start=\"1767\" data-end=\"1791\">One97 Communications<\/strong> runs a multi-dimensional fintech engine: digital payments, ticketing, insurance, gold trading, buy-now-pay-later (BNPL), and lending.<\/p>\n<figure id=\"attachment_7194\" aria-describedby=\"caption-attachment-7194\" style=\"width: 1200px\" class=\"wp-caption alignnone\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-7194\" src=\"https:\/\/www.kaashivinfotech.com\/blog\/wp-content\/uploads\/2025\/07\/Paytm-growth.png\" alt=\"Paytm growth\" width=\"1200\" height=\"675\" srcset=\"https:\/\/www.kaashivinfotech.com\/blog\/wp-content\/uploads\/2025\/07\/Paytm-growth.png 1200w, https:\/\/www.kaashivinfotech.com\/blog\/wp-content\/uploads\/2025\/07\/Paytm-growth-300x169.png 300w, https:\/\/www.kaashivinfotech.com\/blog\/wp-content\/uploads\/2025\/07\/Paytm-growth-1024x576.png 1024w, https:\/\/www.kaashivinfotech.com\/blog\/wp-content\/uploads\/2025\/07\/Paytm-growth-768x432.png 768w, https:\/\/www.kaashivinfotech.com\/blog\/wp-content\/uploads\/2025\/07\/Paytm-growth-747x420.png 747w, https:\/\/www.kaashivinfotech.com\/blog\/wp-content\/uploads\/2025\/07\/Paytm-growth-150x84.png 150w, https:\/\/www.kaashivinfotech.com\/blog\/wp-content\/uploads\/2025\/07\/Paytm-growth-696x392.png 696w, https:\/\/www.kaashivinfotech.com\/blog\/wp-content\/uploads\/2025\/07\/Paytm-growth-1068x601.png 1068w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><figcaption id=\"caption-attachment-7194\" class=\"wp-caption-text\">Paytm growth<\/figcaption><\/figure>\n<hr data-start=\"2441\" data-end=\"2444\" \/>\n<h2 data-start=\"2446\" data-end=\"2519\">\ud83d\ude80 What is One97 Communications Exactly? (And Why You Should Watch It)<\/h2>\n<p data-start=\"2521\" data-end=\"2639\"><strong data-start=\"2521\" data-end=\"2545\">One97 Communications<\/strong> isn\u2019t just Paytm\u2019s parent company. It\u2019s the mind behind an entire digital finance universe:<\/p>\n<ul data-start=\"2641\" data-end=\"3138\">\n<li data-start=\"2641\" data-end=\"2754\">\n<p data-start=\"2643\" data-end=\"2754\"><strong data-start=\"2643\" data-end=\"2665\">Paytm Wallet &amp; UPI<\/strong>: That tiny QR code? It belongs here. Over 1 billion monthly transactions happen today.<\/p>\n<\/li>\n<li data-start=\"2755\" data-end=\"2836\">\n<p data-start=\"2757\" data-end=\"2836\"><strong data-start=\"2757\" data-end=\"2780\">Paytm Payments Bank<\/strong>: Over 100 million KYC-completed accounts and growing.<\/p>\n<\/li>\n<li data-start=\"2837\" data-end=\"2891\">\n<p data-start=\"2839\" data-end=\"2891\"><strong data-start=\"2839\" data-end=\"2853\">Paytm Mall<\/strong>: E-commerce meets cashback madness.<\/p>\n<\/li>\n<li data-start=\"2892\" data-end=\"2974\">\n<p data-start=\"2894\" data-end=\"2974\"><strong data-start=\"2894\" data-end=\"2909\">Paytm Money<\/strong>: India\u2019s first step for millions into stocks and mutual funds.<\/p>\n<\/li>\n<li data-start=\"2975\" data-end=\"3048\">\n<p data-start=\"2977\" data-end=\"3048\"><strong data-start=\"2977\" data-end=\"2994\">Paytm Insider<\/strong>: Concert tickets, sports, theatre \u2014 all in one tap.<\/p>\n<\/li>\n<li data-start=\"3049\" data-end=\"3138\">\n<p data-start=\"3051\" data-end=\"3138\"><strong data-start=\"3051\" data-end=\"3073\">Paytm for Business<\/strong>: POS devices, Soundbox, and settlement services for merchants.<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"2406\" data-end=\"2570\">\ud83d\udcc8 As of FY24, <strong data-start=\"2421\" data-end=\"2430\">Paytm<\/strong> had over <strong data-start=\"2440\" data-end=\"2468\">300 million wallet users<\/strong> and more than <strong data-start=\"2483\" data-end=\"2519\">100 million monthly active users<\/strong>. That&#8217;s nearly one in every 10 people on Earth! \ud83c\udf0d<br \/>\nBasically, <strong data-start=\"3151\" data-end=\"3175\">One97 Communications<\/strong> is creating a financial &#8220;super app&#8221; \u2014 so you don\u2019t need ten apps to run your life.<\/p>\n<hr data-start=\"3262\" data-end=\"3265\" \/>\n<h2 data-start=\"3267\" data-end=\"3330\">\ud83d\udcb9 One97 Communications on the Stock Market (\ud83d\udd25 Spicy Stuff)<\/h2>\n<p data-start=\"3332\" data-end=\"3467\">When <strong data-start=\"3337\" data-end=\"3361\">One97 Communications<\/strong> launched its IPO in 2021, it was India\u2019s biggest-ever public offering at \u20b918,300 crore (~$2.5 billion).<\/p>\n<p data-start=\"3469\" data-end=\"3561\">Did it fly high? Short answer: no. The <strong data-start=\"3508\" data-end=\"3529\">Paytm share price<\/strong> tanked nearly 27% on day one.<\/p>\n<p data-start=\"3563\" data-end=\"3747\">But here\u2019s where it gets interesting: Despite the noise, <strong data-start=\"3620\" data-end=\"3644\">One97 Communications<\/strong> kept building. As of 2025, they\u2019re on a mission to move from \u201cgrowth at all costs\u201d to actual profit.<\/p>\n<p data-start=\"2623\" data-end=\"2692\">For years, investors asked the same question: <em data-start=\"2669\" data-end=\"2692\">Can Paytm make money?<\/em><\/p>\n<p data-start=\"2694\" data-end=\"2757\">And in 2023\u201324, <strong data-start=\"2710\" data-end=\"2734\">One97 Communications<\/strong> finally had an answer.<\/p>\n<ul data-start=\"2759\" data-end=\"2996\">\n<li data-start=\"2759\" data-end=\"2791\">\n<p data-start=\"2761\" data-end=\"2791\"><strong data-start=\"2761\" data-end=\"2777\">FY24 revenue<\/strong>: \u20b99,977 crore<\/p>\n<\/li>\n<li data-start=\"2792\" data-end=\"2837\">\n<p data-start=\"2794\" data-end=\"2837\"><strong data-start=\"2794\" data-end=\"2818\">EBITDA (before ESOP)<\/strong>: \u20b9559 crore profit<\/p>\n<\/li>\n<li data-start=\"2838\" data-end=\"2925\">\n<p data-start=\"2840\" data-end=\"2925\"><strong data-start=\"2840\" data-end=\"2859\">Losses narrowed<\/strong>: Net loss down to \u20b91,422 crore in FY24, from \u20b91,776 crore in FY23<\/p>\n<\/li>\n<li data-start=\"2926\" data-end=\"2996\">\n<p data-start=\"2928\" data-end=\"2996\"><strong data-start=\"2928\" data-end=\"2958\">Loan distribution business<\/strong>: \u20b952,500 crore disbursed (up 47% YoY)<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"2998\" data-end=\"3102\">\ud83d\udccc Source: <a class=\"cursor-pointer\" href=\"https:\/\/paytm.com\/document\/ir\/financial-results\/Paytm_Earnings-Release_INR_Q4_FY24.pdf\" target=\"_new\" rel=\"noopener\" data-start=\"3009\" data-end=\"3102\">Paytm Financial Results \u2013 Q4 FY24<\/a><\/p>\n<p data-start=\"3104\" data-end=\"3167\">Sharma called it \u201ca landmark year of sustainable monetization.\u201d<\/p>\n<hr data-start=\"3955\" data-end=\"3958\" \/>\n<h2 data-start=\"3960\" data-end=\"4012\">\ud83d\udca1 Vijay Shekhar Sharma: The Guy Who Doesn\u2019t Quit<\/h2>\n<p data-start=\"4014\" data-end=\"4061\">Vijay Shekhar Sharma, in his own words, says:<\/p>\n<blockquote data-start=\"4062\" data-end=\"4175\">\n<p data-start=\"4064\" data-end=\"4175\"><em data-start=\"4064\" data-end=\"4175\">\u201cI built Paytm for the small shop guy, for the chaiwala, for my father who would never trust online banking.\u201d<\/em><\/p>\n<\/blockquote>\n<p data-start=\"4177\" data-end=\"4322\">From a shy engineer terrified of English to a billionaire standing at the New York Stock Exchange \u2014 his story is as wild as any Bollywood plot.<\/p>\n<p data-start=\"4111\" data-end=\"4291\">Vijay Shekhar Sharma isn\u2019t your average CEO. He came from a small town in UP, studied in Hindi medium, and taught himself English by reading <em data-start=\"4252\" data-end=\"4272\">The Times of India<\/em> with a dictionary.<\/p>\n<p data-start=\"4293\" data-end=\"4315\">In Sharma\u2019s own words:<\/p>\n<blockquote data-start=\"4316\" data-end=\"4467\">\n<p data-start=\"4318\" data-end=\"4467\">\u201cI couldn&#8217;t understand the questions in college entrance exams. But I knew I could build something people needed.\u201d (<em data-start=\"4434\" data-end=\"4466\">Interview, 2023<\/em>)<\/p>\n<\/blockquote>\n<p data-start=\"4469\" data-end=\"4640\">Even at Paytm\u2019s lowest point, he didn\u2019t flinch. Whether that&#8217;s bravery or stubbornness depends on who you ask.<\/p>\n<p data-start=\"4642\" data-end=\"4731\">But here\u2019s what no one disputes: Sharma is still writing the rulebook for Indian fintech.<\/p>\n<p data-start=\"4324\" data-end=\"4417\">He still owns about 19% of <strong data-start=\"4351\" data-end=\"4375\">One97 Communications<\/strong>, making him a driving force even today.<\/p>\n<figure id=\"attachment_7195\" aria-describedby=\"caption-attachment-7195\" style=\"width: 1280px\" class=\"wp-caption alignnone\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-7195 size-full\" src=\"https:\/\/www.kaashivinfotech.com\/blog\/wp-content\/uploads\/2025\/07\/Startup-Story-of-Paytm-Vijay-Shekhar-Sharma-e1751354529353.png\" alt=\"Startup Story of Paytm Vijay Shekhar Sharma\" width=\"1280\" height=\"704\" srcset=\"https:\/\/www.kaashivinfotech.com\/blog\/wp-content\/uploads\/2025\/07\/Startup-Story-of-Paytm-Vijay-Shekhar-Sharma-e1751354529353.png 1280w, https:\/\/www.kaashivinfotech.com\/blog\/wp-content\/uploads\/2025\/07\/Startup-Story-of-Paytm-Vijay-Shekhar-Sharma-e1751354529353-300x165.png 300w, https:\/\/www.kaashivinfotech.com\/blog\/wp-content\/uploads\/2025\/07\/Startup-Story-of-Paytm-Vijay-Shekhar-Sharma-e1751354529353-1024x563.png 1024w, https:\/\/www.kaashivinfotech.com\/blog\/wp-content\/uploads\/2025\/07\/Startup-Story-of-Paytm-Vijay-Shekhar-Sharma-e1751354529353-768x422.png 768w, https:\/\/www.kaashivinfotech.com\/blog\/wp-content\/uploads\/2025\/07\/Startup-Story-of-Paytm-Vijay-Shekhar-Sharma-e1751354529353-764x420.png 764w, https:\/\/www.kaashivinfotech.com\/blog\/wp-content\/uploads\/2025\/07\/Startup-Story-of-Paytm-Vijay-Shekhar-Sharma-e1751354529353-150x83.png 150w, https:\/\/www.kaashivinfotech.com\/blog\/wp-content\/uploads\/2025\/07\/Startup-Story-of-Paytm-Vijay-Shekhar-Sharma-e1751354529353-696x383.png 696w, https:\/\/www.kaashivinfotech.com\/blog\/wp-content\/uploads\/2025\/07\/Startup-Story-of-Paytm-Vijay-Shekhar-Sharma-e1751354529353-1068x587.png 1068w\" sizes=\"auto, (max-width: 1280px) 100vw, 1280px\" \/><figcaption id=\"caption-attachment-7195\" class=\"wp-caption-text\">Startup Story of Paytm Vijay Shekhar Sharma<\/figcaption><\/figure>\n<hr data-start=\"4419\" data-end=\"4422\" \/>\n<h2 data-start=\"4424\" data-end=\"4482\">\u26a1 Tech Innovations That Keep One97 Communications Ahead<\/h2>\n<ul data-start=\"4484\" data-end=\"4932\">\n<li data-start=\"4484\" data-end=\"4589\">\n<p data-start=\"4486\" data-end=\"4589\"><strong data-start=\"4486\" data-end=\"4504\">Soundbox Magic<\/strong>: Small, talking devices confirming payments. Now over 6 million in use across India.<\/p>\n<\/li>\n<li data-start=\"4590\" data-end=\"4678\">\n<p data-start=\"4592\" data-end=\"4678\"><strong data-start=\"4592\" data-end=\"4611\">AI-driven Loans<\/strong>: Using transaction data to offer instant loans to small merchants.<\/p>\n<\/li>\n<li data-start=\"4679\" data-end=\"4803\">\n<p data-start=\"4681\" data-end=\"4803\"><strong data-start=\"4681\" data-end=\"4708\">Postpaid &amp; Credit Lines<\/strong>: Helping customers buy today, pay next month \u2014 because who hasn\u2019t had a mid-month cash crunch?<\/p>\n<\/li>\n<li data-start=\"4804\" data-end=\"4932\">\n<p data-start=\"4806\" data-end=\"4932\"><strong data-start=\"4806\" data-end=\"4828\">Insurance &amp; Wealth<\/strong>: Partnering with ICICI Prudential and others to offer health, life, and auto insurance directly in-app.<\/p>\n<\/li>\n<\/ul>\n<figure id=\"attachment_7192\" aria-describedby=\"caption-attachment-7192\" style=\"width: 1200px\" class=\"wp-caption alignnone\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-7192 size-full\" src=\"https:\/\/www.kaashivinfotech.com\/blog\/wp-content\/uploads\/2025\/07\/One97-Communications-inovations.png\" alt=\"one ninety seven communications, One97 Communications Interview Questions, one 97, One97 Communications \" width=\"1200\" height=\"750\" srcset=\"https:\/\/www.kaashivinfotech.com\/blog\/wp-content\/uploads\/2025\/07\/One97-Communications-inovations.png 1200w, https:\/\/www.kaashivinfotech.com\/blog\/wp-content\/uploads\/2025\/07\/One97-Communications-inovations-300x188.png 300w, https:\/\/www.kaashivinfotech.com\/blog\/wp-content\/uploads\/2025\/07\/One97-Communications-inovations-1024x640.png 1024w, https:\/\/www.kaashivinfotech.com\/blog\/wp-content\/uploads\/2025\/07\/One97-Communications-inovations-768x480.png 768w, https:\/\/www.kaashivinfotech.com\/blog\/wp-content\/uploads\/2025\/07\/One97-Communications-inovations-672x420.png 672w, https:\/\/www.kaashivinfotech.com\/blog\/wp-content\/uploads\/2025\/07\/One97-Communications-inovations-150x94.png 150w, https:\/\/www.kaashivinfotech.com\/blog\/wp-content\/uploads\/2025\/07\/One97-Communications-inovations-696x435.png 696w, https:\/\/www.kaashivinfotech.com\/blog\/wp-content\/uploads\/2025\/07\/One97-Communications-inovations-1068x668.png 1068w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><figcaption id=\"caption-attachment-7192\" class=\"wp-caption-text\">One97 Communications inovations<\/figcaption><\/figure>\n<hr data-start=\"4934\" data-end=\"4937\" \/>\n<h2 data-start=\"4738\" data-end=\"4780\">\ud83e\udde9 How One97 Communications Makes Money<\/h2>\n<p data-start=\"4782\" data-end=\"4813\">It\u2019s not just transaction fees.<\/p>\n<p data-start=\"4815\" data-end=\"4883\"><strong data-start=\"4815\" data-end=\"4839\">One97 Communications<\/strong> has built <strong data-start=\"4850\" data-end=\"4859\">Paytm<\/strong> into a revenue machine:<\/p>\n<ul data-start=\"4885\" data-end=\"5169\">\n<li data-start=\"4885\" data-end=\"4948\">\n<p data-start=\"4887\" data-end=\"4948\">\ud83d\udd39 <strong data-start=\"4890\" data-end=\"4911\">Merchant Payments<\/strong> \u2013 Soundbox rental, QR code services.<\/p>\n<\/li>\n<li data-start=\"4949\" data-end=\"4994\">\n<p data-start=\"4951\" data-end=\"4994\">\ud83d\udd39 <strong data-start=\"4954\" data-end=\"4965\">Lending<\/strong> \u2013 In partnership with NBFCs.<\/p>\n<\/li>\n<li data-start=\"4995\" data-end=\"5051\">\n<p data-start=\"4997\" data-end=\"5051\">\ud83d\udd39 <strong data-start=\"5000\" data-end=\"5022\">Ticketing &amp; Travel<\/strong> \u2013 A small but steady earner.<\/p>\n<\/li>\n<li data-start=\"5052\" data-end=\"5112\">\n<p data-start=\"5054\" data-end=\"5112\">\ud83d\udd39 <strong data-start=\"5057\" data-end=\"5077\">Insurance &amp; Gold<\/strong> \u2013 Micro-commission business model.<\/p>\n<\/li>\n<li data-start=\"5113\" data-end=\"5169\">\n<p data-start=\"5115\" data-end=\"5169\">\ud83d\udd39 <strong data-start=\"5118\" data-end=\"5131\">Paytm Ads<\/strong> \u2013 Growing space for B2B monetization.<\/p>\n<\/li>\n<\/ul>\n<hr data-start=\"5410\" data-end=\"5413\" \/>\n<h2 data-start=\"5415\" data-end=\"5464\">\ud83c\udf0f Where is One 97 Communications Heading Next?<\/h2>\n<ul data-start=\"5466\" data-end=\"5744\">\n<li data-start=\"5466\" data-end=\"5543\">\n<p data-start=\"5468\" data-end=\"5543\">One 97 Communications focusing more on rural India, where 500 million people still use cash daily.<\/p>\n<\/li>\n<li data-start=\"5544\" data-end=\"5590\">\n<p data-start=\"5546\" data-end=\"5590\">Expansion of merchant loans and insurance.<\/p>\n<\/li>\n<li data-start=\"5591\" data-end=\"5665\">\n<p data-start=\"5593\" data-end=\"5665\">Pushing AI and cybersecurity to protect over 350 million active users.<\/p>\n<\/li>\n<li data-start=\"5666\" data-end=\"5744\">\n<p data-start=\"5668\" data-end=\"5744\">Possible global tie-ups \u2014 rumors swirl about partnerships in Southeast Asia.<\/p>\n<\/li>\n<\/ul>\n<hr data-start=\"5746\" data-end=\"5749\" \/>\n<h2 data-start=\"5751\" data-end=\"5811\">\ud83d\ude80 Career &amp; Internship Opportunities: Build with the Best<\/h2>\n<p data-start=\"5813\" data-end=\"5979\">Looking to work with a company actually changing lives? <strong data-start=\"5869\" data-end=\"5893\">One97 Communications<\/strong> offers roles in data science, AI, cybersecurity, product, and cloud infrastructure.<\/p>\n<p data-start=\"5981\" data-end=\"6117\">Jobs are fast-paced, intense, but deeply impactful. Reviews on Glassdoor show a love-hate relationship \u2014 high learning, high pressure. Higher salary<\/p>\n<p data-start=\"6119\" data-end=\"6203\">\ud83d\udc49 Check <a class=\"cursor-pointer\" href=\"https:\/\/paytm.com\/careers\" target=\"_new\" rel=\"noopener\" data-start=\"6128\" data-end=\"6185\">Paytm Careers<\/a> for open roles.<\/p>\n<figure id=\"attachment_7193\" aria-describedby=\"caption-attachment-7193\" style=\"width: 730px\" class=\"wp-caption alignnone\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-7193\" src=\"https:\/\/www.kaashivinfotech.com\/blog\/wp-content\/uploads\/2025\/07\/paytm-office.webp\" alt=\"paytm-office\" width=\"730\" height=\"380\" srcset=\"https:\/\/www.kaashivinfotech.com\/blog\/wp-content\/uploads\/2025\/07\/paytm-office.webp 730w, https:\/\/www.kaashivinfotech.com\/blog\/wp-content\/uploads\/2025\/07\/paytm-office-300x156.webp 300w, https:\/\/www.kaashivinfotech.com\/blog\/wp-content\/uploads\/2025\/07\/paytm-office-150x78.webp 150w, https:\/\/www.kaashivinfotech.com\/blog\/wp-content\/uploads\/2025\/07\/paytm-office-696x362.webp 696w\" sizes=\"auto, (max-width: 730px) 100vw, 730px\" \/><figcaption id=\"caption-attachment-7193\" class=\"wp-caption-text\">paytm-office<\/figcaption><\/figure>\n<hr data-start=\"6205\" data-end=\"6208\" \/>\n<h3 data-start=\"189\" data-end=\"266\">\ud83d\udd0d Common One97 Communications Interview Questions You Should Prepare For<\/h3>\n<p data-start=\"268\" data-end=\"600\">If you&#8217;re gearing up for a job opportunity at Paytm&#8217;s parent company, understanding the <strong data-start=\"356\" data-end=\"400\">One97 Communications interview questions<\/strong> asked in recent years can give you a major edge. Whether you&#8217;re applying for a tech role, product position, or business analyst post, expect a mix of technical, situational, and behavioral questions.<\/p>\n<p data-start=\"602\" data-end=\"675\">Here are some commonly reported One97 Communications interview questions:<\/p>\n<ul data-start=\"676\" data-end=\"940\">\n<li data-start=\"676\" data-end=\"749\">\n<p data-start=\"678\" data-end=\"749\">\u201cExplain a recent project you worked on. What challenges did you face?\u201d<\/p>\n<\/li>\n<li data-start=\"750\" data-end=\"807\">\n<p data-start=\"752\" data-end=\"807\">\u201cHow would you improve the Paytm app&#8217;s user retention?\u201d<\/p>\n<\/li>\n<li data-start=\"808\" data-end=\"885\">\n<p data-start=\"810\" data-end=\"885\">\u201cWrite a function to detect anomalies in a data stream.\u201d <em data-start=\"867\" data-end=\"885\">(for Data roles)<\/em><\/p>\n<\/li>\n<li data-start=\"886\" data-end=\"940\">\n<p data-start=\"888\" data-end=\"940\">\u201cWhat do you know about UPI and Paytm&#8217;s role in it?\u201d<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"942\" data-end=\"1199\">These questions are designed not just to test your skills, but to evaluate your alignment with the company\u2019s fast-paced, innovation-driven culture. Pro tip: Combine your answers with real-world metrics or results you&#8217;ve delivered\u2014that&#8217;s what sets you apart.<\/p>\n<hr data-start=\"353\" data-end=\"356\" \/>\n<h2 data-start=\"358\" data-end=\"431\">\ud83d\udcbc Who is Paytm Looking to Hire in 2025? (And How You Can Get Noticed)<\/h2>\n<p data-start=\"433\" data-end=\"577\">\ud83d\udcac <em data-start=\"436\" data-end=\"531\">\u201cWe want problem solvers, not just coders. People who understand scale, security, and users.\u201d<\/em><br data-start=\"531\" data-end=\"534\" \/>\u2014 <em data-start=\"536\" data-end=\"577\">Paytm Hiring Manager, via LinkedIn post<\/em><\/p>\n<p data-start=\"579\" data-end=\"716\">If you&#8217;ve ever dreamed of working at <strong data-start=\"616\" data-end=\"625\">Paytm<\/strong>, the tech engine of <strong data-start=\"646\" data-end=\"670\">One97 Communications<\/strong>, here&#8217;s your chance to cut through the noise.<\/p>\n<p data-start=\"718\" data-end=\"899\">Paytm\u2019s not just hiring interns with big degrees. They&#8217;re looking for <strong data-start=\"788\" data-end=\"797\">doers<\/strong> \u2014 people with <strong data-start=\"812\" data-end=\"827\">real skills<\/strong>, portfolio work, GitHub projects, and curiosity. Let&#8217;s break it down \ud83d\udc47<\/p>\n<hr data-start=\"901\" data-end=\"904\" \/>\n<h3 data-start=\"906\" data-end=\"949\">1. \ud83d\udc69\u200d\ud83d\udcbb <strong data-start=\"919\" data-end=\"947\">Data Science &amp; Analytics<\/strong><\/h3>\n<p data-start=\"950\" data-end=\"1097\">\ud83d\udd0d <em data-start=\"953\" data-end=\"969\">Who they want:<\/em><br data-start=\"969\" data-end=\"972\" \/>Analytical minds who can <strong data-start=\"997\" data-end=\"1041\">turn messy user data into clean insights<\/strong>. Think credit scoring, fraud detection, churn analysis.<\/p>\n<p data-start=\"1099\" data-end=\"1268\">\ud83d\udd27 <em data-start=\"1102\" data-end=\"1125\">Role at Paytm:<\/em><br data-start=\"1125\" data-end=\"1128\" \/><strong data-start=\"1128\" data-end=\"1164\">Data Science \u2013 Paytm Labs<\/strong> (openings in Noida)<br data-start=\"1184\" data-end=\"1187\" \/>You\u2019ll work on live models for payments and lending products used by 500M+ users.<\/p>\n<p data-start=\"1270\" data-end=\"1420\">\ud83d\udcc8 Consider doing a <strong data-start=\"322\" data-end=\"363\">Beginner-Friendly <a href=\"https:\/\/www.kaashivinfotech.com\/data-science-course\/\">Data Science Course<\/a><\/strong> on a trusted platform. preferably:<\/p>\n<ul data-start=\"1421\" data-end=\"1509\">\n<li data-start=\"1421\" data-end=\"1444\">\n<p data-start=\"1423\" data-end=\"1444\">Taught by top profs<\/p>\n<\/li>\n<li data-start=\"1445\" data-end=\"1484\">\n<p data-start=\"1447\" data-end=\"1484\">Industry aligned with real datasets<\/p>\n<\/li>\n<li data-start=\"1485\" data-end=\"1509\">\n<p data-start=\"1487\" data-end=\"1509\">Free + Certificate \u2705<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"1511\" data-end=\"1650\">\ud83e\udde0 <em data-start=\"1514\" data-end=\"1524\">Pro Tip:<\/em> Start analyzing Paytm&#8217;s Play Store reviews or app flow as a project. Make a report on retention or complaints. Show you care.<\/p>\n<hr data-start=\"1652\" data-end=\"1655\" \/>\n<h3 data-start=\"1657\" data-end=\"1705\">2. \ud83e\udde0 <strong data-start=\"1667\" data-end=\"1703\">Generative AI &amp; Machine Learning<\/strong><\/h3>\n<p data-start=\"1706\" data-end=\"1842\">\ud83e\uddbe <em data-start=\"1709\" data-end=\"1725\">Who they want:<\/em><br data-start=\"1725\" data-end=\"1728\" \/>Engineers who can <strong data-start=\"1746\" data-end=\"1776\">train LLMs, build chatbots<\/strong>, or fine-tune AI to improve customer support and recommendations.<\/p>\n<p data-start=\"1844\" data-end=\"2010\">\ud83d\ude80 <em data-start=\"1847\" data-end=\"1870\">Role at Paytm:<\/em><br data-start=\"1870\" data-end=\"1873\" \/><strong data-start=\"1873\" data-end=\"1897\">Generative AI<\/strong><br data-start=\"1897\" data-end=\"1900\" \/>You\u2019ll work on NLP models, AI assistants, and internal tools. They prefer Python + cloud + MLFlow familiarity.<\/p>\n<p>\ud83d\udcc8 <strong data-start=\"426\" data-end=\"485\">Consider doing a\u00a0 <a href=\"https:\/\/www.kaashivinfotech.com\/artificial-intelligence-course\/\">Artificial Intelligence Course <\/a><\/strong>on a trusted platform \u2014 preferably one that includes:<\/p>\n<ul data-start=\"2192\" data-end=\"2294\">\n<li data-start=\"2192\" data-end=\"2225\">\n<p data-start=\"2194\" data-end=\"2225\">\u27a1\ufe0f LLM concepts and transformer models<\/p>\n<\/li>\n<li data-start=\"2192\" data-end=\"2225\">\n<p data-start=\"2194\" data-end=\"2225\">\u27a1\ufe0f Hands-on labs with tools like Hugging Face<\/p>\n<\/li>\n<li data-start=\"2192\" data-end=\"2225\">\n<p data-start=\"2194\" data-end=\"2225\">\u27a1\ufe0f Certificate + project-based learning \u2705<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"2296\" data-end=\"2395\">\ud83e\udde0 <em data-start=\"2299\" data-end=\"2309\">Pro Tip:<\/em> Clone a Paytm-style chatbot. Even a working demo in Streamlit can help you stand out.<\/p>\n<hr data-start=\"2397\" data-end=\"2400\" \/>\n<h3 data-start=\"2402\" data-end=\"2444\">3. \u2601\ufe0f <strong data-start=\"2412\" data-end=\"2442\">Cloud + DevOps Engineering<\/strong><\/h3>\n<p data-start=\"2445\" data-end=\"2616\">\ud83c\udf29 <em data-start=\"2448\" data-end=\"2464\">Who they want:<\/em><br data-start=\"2464\" data-end=\"2467\" \/>People who understand <strong data-start=\"2489\" data-end=\"2548\">how Paytm scales to millions of transactions per minute<\/strong>. It&#8217;s not just coding\u2014it\u2019s shipping code that runs on robust infra.<\/p>\n<p data-start=\"2618\" data-end=\"2768\">\ud83d\udd27 <em data-start=\"2621\" data-end=\"2644\">Role at Paytm:<\/em><br data-start=\"2644\" data-end=\"2647\" \/><strong data-start=\"2647\" data-end=\"2693\">Software Engineer (Backend + Cloud)<\/strong><br data-start=\"2693\" data-end=\"2696\" \/>Work on scalable microservices, containerized apps, and CI\/CD pipelines.<\/p>\n<p data-start=\"2770\" data-end=\"2956\">\ud83d\udcc8 <strong data-start=\"1021\" data-end=\"1060\">Consider a <a href=\"https:\/\/www.kaashivinfotech.com\/cloud-computing-course-in-chennai\/\">Cloud computing Course<\/a><\/strong> with project-based learning \u2014 preferably one that covers:<br data-start=\"1118\" data-end=\"1121\" \/>\u27a1\ufe0f Kubernetes, Docker &amp; cloud deployment<br data-start=\"1161\" data-end=\"1164\" \/>\u27a1\ufe0f Real-world use cases (microservices, scaling)<br data-start=\"1212\" data-end=\"1215\" \/>\u27a1\ufe0f Cloud platform experience (GCP or AWS) \u2705<\/p>\n<p data-start=\"3052\" data-end=\"3159\">\ud83e\udde0 <em data-start=\"3055\" data-end=\"3065\">Pro Tip:<\/em> Build a simple payment backend using FastAPI and deploy it on GCP or AWS. Document the infra.<\/p>\n<hr data-start=\"3161\" data-end=\"3164\" \/>\n<h3 data-start=\"3166\" data-end=\"3205\">4. \ud83d\udee1 <strong data-start=\"3176\" data-end=\"3203\">Cybersecurity &amp; InfoSec<\/strong><\/h3>\n<p data-start=\"3206\" data-end=\"3384\">\ud83d\udd10 <em data-start=\"3209\" data-end=\"3225\">Who they want:<\/em><br data-start=\"3225\" data-end=\"3228\" \/>Guardians of Paytm\u2019s digital wallet. From <strong data-start=\"3270\" data-end=\"3312\">securing endpoints to threat detection<\/strong>, they want people who understand how to stop fraud <em data-start=\"3364\" data-end=\"3372\">before<\/em> it happens.<\/p>\n<p data-start=\"3386\" data-end=\"3521\">\ud83d\udd27 <em data-start=\"3389\" data-end=\"3412\">Role at Paytm:<\/em><br data-start=\"3412\" data-end=\"3415\" \/><strong data-start=\"3415\" data-end=\"3437\">IT Security\u00a0<\/strong><br data-start=\"3437\" data-end=\"3440\" \/>Work on endpoint security, app vulnerability scanning, and compliance monitoring.<\/p>\n<p data-start=\"3523\" data-end=\"3712\">\ud83d\udcc8 <strong data-start=\"1640\" data-end=\"1689\">Consider an Introductory <a href=\"https:\/\/www.kaashivinfotech.com\/cyber-security-course-in-chennai-2\/\">Cybersecurity Course<\/a><\/strong> \u2014 preferably one that covers:<br data-start=\"1719\" data-end=\"1722\" \/>\u27a1\ufe0f Core concepts like threat modeling &amp; encryption<br data-start=\"1772\" data-end=\"1775\" \/>\u27a1\ufe0f Hands-on labs with real tools<br data-start=\"1807\" data-end=\"1810\" \/>\u27a1\ufe0f Free access + globally recognized certificate \u2705<\/p>\n<p data-start=\"3803\" data-end=\"3928\">\ud83e\udde0 <em data-start=\"3806\" data-end=\"3816\">Pro Tip:<\/em> Try running a basic <strong data-start=\"3837\" data-end=\"3850\">OWASP ZAP<\/strong> scan on your own demo app and write about your learnings on Medium or GitHub.<\/p>\n<hr data-start=\"3930\" data-end=\"3933\" \/>\n<h3 data-start=\"3935\" data-end=\"3980\">5. \ud83d\udcf1 <strong data-start=\"3945\" data-end=\"3978\">Frontend &amp; Mobile Engineering<\/strong><\/h3>\n<p data-start=\"3981\" data-end=\"4129\">\ud83d\udcf2 <em data-start=\"3984\" data-end=\"4000\">Who they want:<\/em><br data-start=\"4000\" data-end=\"4003\" \/>Developers who understand <strong data-start=\"4029\" data-end=\"4035\">UX<\/strong>, app performance, and design systems. Bonus points if you know <strong data-start=\"4099\" data-end=\"4128\">React, Kotlin, or Flutter<\/strong>.<\/p>\n<p data-start=\"4131\" data-end=\"4265\">\ud83d\udd27 <em data-start=\"4134\" data-end=\"4157\">Role at Paytm:<\/em><br data-start=\"4157\" data-end=\"4160\" \/><strong data-start=\"4160\" data-end=\"4199\">Frontend Engineer (React.js)<\/strong><br data-start=\"4199\" data-end=\"4202\" \/>You\u2019ll work on Paytm\u2019s merchant dashboard or user app features.<\/p>\n<p data-start=\"4267\" data-end=\"4442\">\ud83d\udcc8 <strong data-start=\"2244\" data-end=\"2286\">Consider a <a href=\"https:\/\/www.kaashivinfotech.com\/front-end-developer-course\/\">Frontend Development Course<\/a><\/strong> focused on real-world projects \u2014 preferably one that includes:<br data-start=\"2349\" data-end=\"2352\" \/>\u27a1\ufe0f React, Redux, and component-based architecture<br data-start=\"2401\" data-end=\"2404\" \/>\u27a1\ufe0f Portfolio-ready UI builds<br data-start=\"2432\" data-end=\"2435\" \/>\u27a1\ufe0f online-source or free placement guidence \u2705<\/p>\n<p data-start=\"4521\" data-end=\"4627\">\ud83e\udde0 <em data-start=\"4524\" data-end=\"4534\">Pro Tip:<\/em> Clone Paytm\u2019s &#8220;Scan &amp; Pay&#8221; UI as a React app. Add animations, and link it to a dummy wallet.<\/p>\n<hr data-start=\"6672\" data-end=\"6675\" \/>\n<h2 data-start=\"6677\" data-end=\"6714\">\ud83c\udfa4 Final Thoughts: The Real Empire One Ninety Seven Communications<\/h2>\n<p data-start=\"6716\" data-end=\"6872\"><strong data-start=\"6716\" data-end=\"6740\">One97 Communications<\/strong> isn\u2019t just a \u201cPaytm company.\u201d It\u2019s a living, breathing ecosystem powering small vendors, big businesses, and everyone in between.<\/p>\n<p data-start=\"6874\" data-end=\"7081\">It\u2019s scrappy, ambitious, sometimes chaotic \u2014 but deeply human. In a world obsessed with valuations and quick exits, the\u00a0 <strong>one ninety seven communications<\/strong> quietly kept its promise: empowering India, one payment at a time.<\/p>\n","protected":false},"excerpt":{"rendered":"One97 Communications \u2014 heard of it? Maybe not. But you definitely know its superstar child: Paytm. This story&hellip;","protected":false},"author":3,"featured_media":7189,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"csco_singular_sidebar":"","csco_page_header_type":"","csco_page_load_nextpost":"","footnotes":""},"categories":[3702],"tags":[6508,6506,6507,6505,6515,6502,6509,6504,6500,6517,6512,6501,5019,6514,6503,6516,6511,6518,6513,6510],"class_list":["post-7182","post","type-post","status-publish","format-standard","has-post-thumbnail","category-what-is","tag-ai-jobs-india","tag-cloud-computing","tag-cybersecurity-internships","tag-data-science-internships","tag-digital-payments-india","tag-fintech-india","tag-indian-fintech-companies","tag-one97-careers","tag-one97-communications","tag-one97-communications-jobs","tag-one97-hiring","tag-paytm","tag-paytm-careers","tag-paytm-data-science","tag-paytm-internships","tag-paytm-job-roles","tag-paytm-parent-company","tag-paytm-tech-careers","tag-technology-jobs-india","tag-who-owns-paytm","cs-entry"],"_links":{"self":[{"href":"https:\/\/www.kaashivinfotech.com\/blog\/wp-json\/wp\/v2\/posts\/7182","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.kaashivinfotech.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.kaashivinfotech.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.kaashivinfotech.com\/blog\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.kaashivinfotech.com\/blog\/wp-json\/wp\/v2\/comments?post=7182"}],"version-history":[{"count":5,"href":"https:\/\/www.kaashivinfotech.com\/blog\/wp-json\/wp\/v2\/posts\/7182\/revisions"}],"predecessor-version":[{"id":8632,"href":"https:\/\/www.kaashivinfotech.com\/blog\/wp-json\/wp\/v2\/posts\/7182\/revisions\/8632"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.kaashivinfotech.com\/blog\/wp-json\/wp\/v2\/media\/7189"}],"wp:attachment":[{"href":"https:\/\/www.kaashivinfotech.com\/blog\/wp-json\/wp\/v2\/media?parent=7182"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.kaashivinfotech.com\/blog\/wp-json\/wp\/v2\/categories?post=7182"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.kaashivinfotech.com\/blog\/wp-json\/wp\/v2\/tags?post=7182"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}