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Paytm – Digital Lending Framework

BQ Prime’s special research section collates quality and in-depth equity and economy research reports from across India’s top brokerages, asset managers and research agencies. These reports offer BQ Prime’s subscribers an opportunity to expand their understanding of companies, sectors and the economy.

One 97 Communications Ltd. management team hosted a call to share their observations and assessment on business implication regarding the regulatory framework suggested by the Reserve Bank of India for digital lending.

According to the management, the regulatory structure for digital lending is progressive and forward-looking allaying apprehensions of it being onerous on loan service providers. Also, the guidelines are in line with how Paytm is currently executing its business of financial services distribution.

The framework has no adverse revenue implication, business model change or additional disclosure requirement for the company. However, it will require operational changes for postpaid product (as money flow has to be between the regulated entities and borrowers, and not from the pool account of LSPs).

However, Paytm’s management indicated that the guidelines are implementable and executable.

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