AI-driven growth fuels Paytm’s EBITDA margin rise to 8%

Artificial intelligence has become a cornerstone of Paytm’s operational strategy, powering higher merchant productivity and personalized consumer experiences. The AI platform enhanced merchant lifecycle management, leading to a 31% rise in gross merchandise value (GMV) to ₹7.1 lakh crore. Financial‑service income surged 45% year‑on‑year to ₹814 crore, driven by expanding merchant‑loan disbursements, consumer credit uptake, and better monetisation of equity‑broking and wealth products.