Mobikwik and Paytm are the prime gamers in India’s digital fee house, significantly in UPI companies. Whereas one is rising quickly with growing losses, the opposite is declining income however lowering losses. Right here’s how they stack up on core enterprise metrics.
One Mobikwik
One Mobikwik Methods Ltd. is one among India’s main fintech firms that provides digital fee options, credit score companies, and monetary merchandise. By way of its platform it provides companies such because the MobiKwik Pockets, Purchase Now Pay Later (BNPL) by MobiKwik ZIP, UPI transactions, and peer-to-peer lending.
The income of the fintech agency is especially generated by companies equivalent to fee on gross sales of recharges, cash switch charges, curiosity revenue, and mortgage servicing processing charges by companions in lending, expertise platforms, and fee gateway companies. It has a market capitalization of two,176 crores.
Mobikwik reported a consolidated income of Rs 1,170 crores in FY25, up 33.71 % from Rs 875 crores in FY24. Moreover, on a year-on-year foundation, income grew 1.13 % to Rs 268 crores in This fall FY25 from Rs 265 crores in This fall FY24. On a quarterly foundation, income declined by 0.37 % from Rs 269 crores.
It reported a internet lack of Rs 122 crores in FY25 as in comparison with a revenue of Rs 14 crores in FY24. Moreover, its loss widened to Rs 56 crores in This fall FY25 as in comparison with This fall FY24 and Q3 FY25 losses of Rs 1 crore and Rs 55 crores, respectively.
It reported a fee GMV development of 12.29 % to Rs 33,066.3 crores in This fall FY25 from Rs 29,445.6 crores in Q3 FY25. It added over 40 lakhs of customers within the newest quarter, with complete registered customers being 17.6 crores. It has a complete service provider base of 46 lakhs as of This fall FY25.
One 97 Communications (Paytm)
One97 Communications Restricted, the mother or father firm of Paytm, supplies monetary and digital fee companies in India and internationally. It provides QR code, card machine, and on-line fee options, in addition to companies equivalent to invoice funds, recharges, ticket reservations, loans, insurance coverage, and wealth administration. The corporate additionally caters to retailers with lending, advertising, and loyalty options. It has a market capitalization of 55,674 crores.
The income of the fintech agency is especially generated by companies equivalent to fee, service provider low cost charge, comfort charges, and so on Paytm reported a consolidated income of Rs 6,900 crores in FY25, down 30.85 % from Rs 9,978 crores in FY24. Moreover, on a year-on-year foundation, income declined 15.7 % to Rs 1,912 crores in This fall FY25 from Rs 2,267 crores in This fall FY24. On a quarterly foundation, income elevated by 4.6 % from Rs 1,828 crores.
It reported a internet lack of Rs 663 crores in FY25 as in comparison with a lack of Rs 1,422 crores in FY24. It’s dealing with difficulties in posting a revenue as the corporate has delivered constant losses within the few quarters as properly.
It reported a fee GMV development of 1.19 % to Rs 5.10 lakh crores in This fall FY25 from Rs 5.04 lakh crores in Q3 FY25. It has a complete service provider base of 4.4 crores as of This fall FY25, up by 7.31 % from 4.1 crores a yr in the past.
Conclusion
Mobikwik is displaying sturdy consumer development and rising GMV, however is combating profitability. Paytm, however, whereas having a wider ecosystem, has income headwinds and is struggling on the underside line. Because the fintech sector will get squeezed below regulatory and aggressive pressures, each companies must stability scale and sustainability if they’re to stay forward.
Written by Satyajeet Mukherjee
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