In 2021 Paytm company listed in Indian stock market as the largest IPO in India has not shown a single rupee of profit to those who have invested so far. Vijayashankar Sharma who did not even speak English well started Paytm as a small business in 2010. Paytm will be the largest start-up company in India worth about 50 thousand crore rupees in 2021. How did they manage to build the largest in the history of the Indian stock market people jumped and bought too much but if it is cut this is the situation. Almost 66% losses remain but what is the real reason for this this article I am going to tell today not only the reasons why the company goes into losses but also what kind of business and marketing it does. In 2010 a person named Vijay Shankar Sharma started a Paytm company named 197 Communications. Paytm is a mobile and It started as a DTH recharge platform and introduced the concept of payment through Paytm. As you can see, in recent times many companies have created applications like Phone Pay, Google Pay, Amazon Pay, Mobikwick, Freecharge and more than 20 companies are maintaining this wallet. Now let’s find out the main reason for doing this and what is the benefit for them but once you notice this do you know what is the actual business model today If you do not understand please note the example if you deposit 10 thousand in a bank the bank will pay you interest on the same money you will not get a single rupee of interest if you deposit your money in any application that has details like phone paytm amazon pay.
And all these companies are also the money you have deposited in your wallet. They use it for free. Similarly the Paytm company also uses the money they get to give loans to merchants not only this if you transfer money from account to wallet in Paytm it is free but if you withdraw your money back from wallet to account it will be done in the form of busses that means we have to pay 5% commission to withdraw our money but how many of you know this Government of India in 2016 The business has suffered a big blow because basically if you use this wallet you add money from the account to the wallet and make payment from the wallet but after the UPA you have to pay directly from your bank account without any need. When it came forward the company that was the first to adopt it faster than all other companies, the phone pay company that discovered the phone pay digital revolution took Arbil immediately after the launch of UPI by Modi government and entered the business in 2016. Also if Paytm Company did not get involved in this it would have been a little late. Paytm got 50% shares by introducing phone Paytm is limited to only 12% so the point here is that in digital payment business even though Paytm company started earlier than phone pay, it has fallen behind in this business due to not adopting UPI at the right time. She started a new business and now owns almost 80% shares in that business
Same merchant sound box business if you notice one thing it is very difficult to hold customers in UPI business because as a customer if we all think once who gives more cash back offers then automatically we use their applications more and customers are always for their own benefit. Do you think yes or no so based on this point they grab customers like us, regardless of this company, every company regardless of what they think in the business to grab cash back and offers, all these companies also introduce a unique product on their platforms and use it to attract customers. If you want to lock if you take insurance in phone pay then you will be a customer who pays continuously instead of users who come and go to that company. Also Paytm company has introduced Paytium sound box to lock customers in their platform. The business of doing ATM sound box is very simple. When there is a lot of crowd in a shop who is paying who is not and whose payment is being cancelled the shop owner did not have any clarity people cheated the owners and took away the products without paying, so while solving this problem Paytm Company introduced Paytm Sound Box and the business was They started this business on phone pay and India as a late potential but already Paytm company has expanded very fast and has acquired 80% market share in this business.
According to any 2023 calculations Bharat Pay will deploy more than three lakhs of sound boxes in India, while the phone pay company will make 20 lakhs. The surprising thing is that Paytm Company will deploy more than 60 lakhs of sound boxes for each Indian version of the server and keep its company at the top level. Not only the count in the sound box but every month paytm company charges 125 rupees as a fee from those who installed the sound box and also with this sound box and other equipments the paytm company earns up to 900 crores every year but the point here is that many people use the paytm sound box. It is only seen as a payment device but Paytm company is doing a genius business here. Based on the transaction data done through Paytm sound box in every shop, the information ATM company will know what is the finance capacity of that shop owner how much income he gets and how much turnover is done in his business. What is the use of Paytm company, you may have a doubt about what is the master plan behind it. Those who do small businesses in India need a lot of money daily but no banks or financial institutions trust them but they do not give loans to them. Because it is easy to know whether a person doing a job can repay the loan based on his monthly income but the income of these small businesses is not stable every month so banks do not give them loans so through paytm they collect the financial data of how much income they get per month.
Paytm company has started giving loans to those who run small shops. This is the main purpose of Paytm. The background work done behind making this sound box is that the minister who is earning more in Paytm is making more transactions the point here is that do you know how much interest is paid by Paytm company on these loans 1.66% pay month means 20% per annum but you can think that who would take a loan from them at such an interest rate but they will take it because for those who do this small retail business institutions charge two rupees and three rupees. Loans are taken for interest but in Paytm you have the opportunity to take a loan directly without the need of anyone else. If you take a loan from the bank interest, you will get 9% to 13% interest from them. If you charge 125 rupees, the phone pay company offers this service only for 45 rupees. Grabbing this business from Paytm is not that easy but definitely not. On November 18 in 2021 Paytm company released 18300 crores worth of shares in the stock market as an IPO, that is, common people like us through De Mart accounts. It is said that the shares of this company can be bought but the point here is that out of this 18300 crore rupees worth of shares only 8300 crores are newly released shares of the company and the remaining ten thousand crores are also the promoter shares invested in the ATM company from the beginning were sold through IPO. It will earn profits in the future so why do the owners of the company invest in the shares in fact it is not good for the future of the company. While investing in any company in the stock market the first thing investors look for is that the owners or promoters of the company they are going to invest in are selling their shares which means that the company It means that the promoters who are running it do not believe that it will bring profits in the future
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