Paytm Payments Services Limited - Due diligence report

A 360° intelligence report on Paytm Payments Services Limited: trust score, financial health, credit view, compliance, directors, growth and…

2020-10-10 Delhi, Delhi Active Unlisted Active Compliant
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PP Paytm Payments Services Limited
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Paytm Payments Services Limited — 360° Intelligence Report

Generated from MCA filings & public records
85/100
Trust Score
Low Risk

Paytm Payments Services Limited is assessed as Low Risk with a Trust Score of 85/100. Paytm Payments Services Limited is an active public limited indian non-government company incorporated in 2020, operating in the Financial Services sector. The company has shown revenue growth across its recent filed years. It was profitable in its latest filed year. Based on MCA filings and public records, it currently shows a low compliance risk and low financial risk profile.

Report generated on 17 Jul 2026 from the latest processed filings. Paytm Payments Services Limited snapshot & full profile →

Financial Health › Strong
Overall Assessment CautionWeakNeutralGoodStrong Strong
Compliance › Strong

Automated indicators derived from public MCA / GST / EPFO records - not a credit rating, not investment, legal or financial advice. Spotted an inaccuracy? Report an error.

02

Score Card

Higher is safer · rule-based & explainable
Trust ScoreLow Risk
85/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreLow Risk
82/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreLow Risk
90/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreModerate
55/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreLow Risk
75/100
Board strength, DIN status, churn and network.
Growth ScoreLow Risk
90/100
Revenue, profit, asset and hiring momentum.
Distress ScoreLow Risk
90/100
Early-warning signals - higher means fewer warnings.
03

Financial Intelligence Dashboard

Standalone · 4 filed year(s)

Unlock the full 5-year financial dashboard with charts and year-wise figures.

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Scores and observations on this page are already computed from the real filings - only the underlying figures are locked.

04

Credit & Compliance Intelligence

Why the scores are what they are
Credit Risk Score: 55/100 Moderate
  • Liabilities ≈ 38% EBITDA - stretched.
  • Working-capital cover adequate.
  • Profitable - internal accruals available.

Charges position: 7 open (125.07 cr) · 2 satisfied (610.00 cr).

Banking relationships (from registered charges)
LenderChargesAmount
Others7 48.0 cr
Axis Bank Limited2 48.0 cr
Compliance Score: 82/100 Low Risk
  • Company status is Active as per MCA.
  • Annual filings current (balance sheet Mar 2025).
  • 1 auditor resignation(s) filed - latest: Price Waterhouse Chartered Accountants LLP on 2023-08-07.
  • Delayed payments to MSME suppliers disclosed (52 disclosure(s)).
  • 1 active GST registration(s).
05

Director Intelligence

Stability score: 75/100
NameDIN / PANDesignationAppointedTenureDIN status
Ravjot Kaur 01234567 Director 01/04/2018 6 yrs Approved
AMIT AGGARWAL 01234567 Director 01/04/2018 6 yrs Approved
AMIT AGGARWAL 01234567 Director 01/04/2018 6 yrs Approved
GOPALASAMUDRAM SRINIVASARAGHAVAN SUNDARARAJAN 01234567 Director 01/04/2018 6 yrs Approved
Nikhil Kumar Jain 01234567 Director 01/04/2018 6 yrs Approved
SUSANTA KUMAR PANDA 01234567 Director 01/04/2018 6 yrs Approved
MADHUR DEORA 01234567 Director 01/04/2018 6 yrs Approved
SANJEEV GARG 01234567 Director 01/04/2018 6 yrs Approved
PALLAVI SHARDUL SHROFF 01234567 Director 01/04/2018 6 yrs Approved
  • 9 directors on the board.
  • No disqualified or deactivated DINs.
  • 5 director exits in 3 years - high churn.
Director & KMP remuneration (FY 2024)
NameDesignationTotal remuneration
A K SharmaManaging Director2.4 cr
R MehtaWhole-time Director1.6 cr
S IyerCFO95.0 L

Remuneration is disclosed in the latest annual return. Unlock full report

06

Ownership & Group Intelligence

As per FY 2024 annual return
Promoter holding
64.27%
Public / other holding
35.73%
Equity shares
12,45,67,890
Equity paid-up
124.5 cr
Promoters on record
4
Ultimate holding entity
One 97 Communications Limited
Subsidiaries
-
Group entities
-
Capital events
-

Promoters hold a dominant controlling stake - exact percentages are part of the full report.

Group entityRelationship% held
One 97 Communications Limited Holding Company 74.00%

Key managerial personnel: AMIT AGGARWAL (CFO) · AMIT AGGARWAL (CFO)

Full shareholding pattern, group structure & capital events →

07

Risk Intelligence Center

Growth 90 · Distress 90
Growth signals & trust indicators
Revenue acceleration: +1.42 over 3 year(s).
Profit expanded 2.1x year-on-year.
Net margin improved to 24%.
EPFO headcount growing - hiring signal.
Operating for 5 years.
Active EPFO - real payroll on record.
Active GST registration(s).
Distress signals & risk flags
7 open charge(s) registered - assets are encumbered.
1 auditor resignation(s) on record - review the stated reasons.
MSME payment delays disclosed - latest outstanding 57.66 Lakh.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence85/100
Favourable indicators
Suitability as a supplier / customer counterparty.
  • Statutory record is clean.
  • No distress signals on file.
  • Financial filings available for verification.
Banker assessment72/100
Favourable lending indicators
Indicative lending comfort for banks, NBFCs and trade credit.
  • Debt capacity assessed from filed statements.
  • 7 open charge(s) of 125.07 cr already registered.
  • Compliance record supports lending.
Investor view89/100
Positive growth indicators
Growth quality and scalability through an investor lens.
  • 4 growth signal(s) detected.
  • Margin and return trends computable from filings.
  • Management team looks stable.
09

MCA Filings & Events Timeline

Latest 15 events
28 Aug 2025
Last AGM held
Annual general meeting
18 Jul 2025
Charge created
Axis Bank Limited - 30.00 cr
17 Jul 2025
Director ceased
AMIT AGGARWAL
25 Jun 2025
Charge created
Others - 15.00 cr
14 May 2025
Charge satisfied
Others
31 Mar 2025
Latest balance sheet
Filed with ROC
15 Jan 2025
Director appointed
GOPALASAMUDRAM SRINIVASARAGHAVAN SUNDARARAJAN (Additional Director)
Director appointed
Nikhil Kumar Jain (Additional Director)
18 Dec 2024
Charge created
Others - 50,000.00
17 Dec 2024
Charge created
Others - 50,000.00
Charge created
Others - 5.00 Lakh
08 Sep 2024
Director ceased
SUSANTA KUMAR PANDA
08 Aug 2024
Director appointed
SUSANTA KUMAR PANDA (Director)
30 Jun 2024
Director ceased
INDU BHUSHAN
17 Oct 2023
Director appointed
AMIT AGGARWAL (CFO)
10

Key Observations

Auto-generated from the data above
Revenue grew 0.86 over the last 3 financial year(s).
Net worth is positive.
Compliance record is strong - status, filings and flags are clean.
9 active director(s) / partner(s); board looks stable and experienced.
1 active GST registration(s) indicate ongoing business operations.
EPFO-registered employer - verifiable payroll history exists.
Promoters hold a dominant controlling stake as per the FY 2024 annual return.
Director / KMP remuneration is disclosed in the latest annual return - exact figures available in the full report.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Aavas L65922RJ2011PLC034297 Jaipur, Rajasthan, India
Crisil L67120MH1987PLC042363 Mumbai, Maharashtra, India
Shyam Ferro Alloys U27109WB1995PLC071548 Kolkata, West Bengal, India
Muthootmicrofin L65190MH1992PLC066228 Mumbai, Maharashtra, India
Chaitanya Rural Intermediation And Development Services U65923KA2012PLC062537 Bangalore South, Karnataka, India
Icicihfc U65922MH1999PLC120106 Mumbai, Maharashtra, India
Policybazaar U74999HR2014PTC053454 Gurgaon, Haryana, India
Iifl Home Loans U65993MH2006PLC166475 Thane, Maharashtra, India
12

Who Uses This Report

CA · CS · Banker · Investor · Vendor
Chartered Accountants (CA)

Verify Paytm Payments Services Limited before audits and certifications: compliance score 82/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.

Company Secretaries (CS)

Track statutory health of Paytm Payments Services Limited: ACTIVE compliance status, annual-return recency, director DIN status, board churn and the events timeline - the inputs for secretarial audits and due-diligence certificates.

Bankers & NBFCs

Current banker verdict: Favourable lending indicators. Credit risk score 55/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.

Investors & Analysts

Investor view: Positive growth indicators. Growth score 90/100, margin trends, ownership structure and peer set for Paytm Payments Services Limited - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Favourable indicators. Trust score 85/100, distress signals and MSME payment-delay disclosures - know whether Paytm Payments Services Limited pays its suppliers before you extend credit terms.

Lawyers & Compliance Teams

Litigation footprint (no cases on record), regulatory flags, charge documents trail and director networks for Paytm Payments Services Limited - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Paytm Payments Services Limited an active company?

Paytm Payments Services Limited has MCA status “Active” with a compliance score of 82/100 (Low Risk).

Is Paytm Payments Services Limited financially healthy?

Paytm Payments Services Limited has a Financial Health Score of 90/100 (Low Risk) based on its filed financial statements.

Should I do business with Paytm Payments Services Limited?

Its overall Trust Score is 85/100 (Low Risk). Vendor verdict: Favourable indicators. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Paytm Payments Services Limited?

The ultimate holding entity is One 97 Communications Limited. 9 active director(s) are on record.

Does Paytm Payments Services Limited have loans or charges against its assets?

7 open charge(s) are registered against its assets, and 2 earlier charge(s) stand satisfied.

Is Paytm Payments Services Limited up to date with its ROC filings?

Annual filings current (balance sheet Mar 2025). Overall compliance score: 82/100 (Low Risk).

Is it risky to lend to Paytm Payments Services Limited?

Its Credit Risk Score is 55/100 (Moderate). Banker verdict: Favourable lending indicators.

Disclaimer: This report is generated automatically from MCA filings and public records as available in our system at the time of the last update. Scores, bands and verdicts are rule-based derived indicators of the underlying data - they are opinions generated by an algorithm, not statements of fact about the company, and are not credit ratings (within the meaning of SEBI regulations), audits, or investment, legal or financial advice. Verify from official sources and consult a qualified professional before any business, lending or investment decision. If you represent this company and believe any information is inaccurate or outdated, report it here and we will review promptly.