Avenue and Revenue : Study of pricing

strategy of digital products in India

Name Roll No
Agnela Ezhilarasi 03
Aravind Iyer 13
Mukesh 22
Paytm

• Founded in 2010 by Vijay Shekhar Sharma

• Business Model – 2 sided financial service
• Paytm for consumers – Payments commerce
and Financial services
• Paytm for Business – Payment , Software and
financial services
• Revenue Model – Payment and financial
services , Commerce and cloud services
 PAYTM COST STRUCTURE
Year 2019 2020 2021 2022
Revenue (Cr) 3580 3541 3187 4180
Expenses (Cr) 7744 6138 4783 6460
Profits/ Loss (Cr) (4164) (3597) (1596) (2280)

PAYTM Financials
10000

8000 7744
6138 6460
6000
4783
4180
4000 3580 3541 3187

2000

0
2019 2020 2021 2022
-2000 -1596
-2280
-4000 -3597
-4164
-6000
Revenue Expense Profit/Loss
 PhonePe
• Founded in Dec, 2015 by Ex-Flipkart Employees
• Business Model – UPI based payment platform
• Paytm for consumers – Range of transactions
• Paytm for Business – Connects Merchants and consumers
bank A/c
• Revenue Model – Commission from Mobile recharge, Bill
payment, Apps, Gift Vouchers, Digital Gold, Mutual Loans,
UPI transaction
CRED
• Founded in 2018 by Kunal Shah
• Business Model – Rewarded for early payment of credit
• Paytm for consumers – Users accumulate coins
• Paytm for Business – Displays Offers , redemption coin
• Revenue Model – Listing Fee , financial data of users
• Expansion – Cred Mint launched in Aug 20, 2021