Paytm payments
bank

What is Payment
bank...???

Payments Bank :
Payments Bank is a new model of banks visualized
by the Reserve Bank of India.
These banks can accept a deposit, which is currently
limited to ₹1 lakh per customer and may be
increased further.
 Both current account and savings accounts can be
operated by such banks.
Payments banks can issue services like ATM cards,
debit cards, net-banking and mobile-banking.
The minimum capital requirement for the bank
is ₹100 crore.

Paytm is an Indian electronic payment and e-commerce
brand.
 Launched in August 2010
It is a consumer brand of parent company One97
Communications.
 Paytm became the first Indian company to receive
funding from Chinese E-Commerce company Alibaba.
Founder and CEO : Vijay Shekhar Sharma
Services:
Online Shopping
Payments banking
Ticket Booking

 Paytm received a license from Reserve Bank of India to
start one of India's payments banks, called "Paytm
Payments Bank Limited".
Paytm Payments Bank launched operations on May 23,
2017
Paytm Payments Bank will be regulated by RBI under all
guidelines applicable to a Payments Bank.
Chairman : Vijay Shekhar Sharma
CEO : Renu Satti

Products of
Paytm Payments
bank: Savings
Account
Payments
Digital debit
card

 Payments Bank offers a Savings Account with no account
opening charges.
Account holder can Keep upto Rs. 1 lakh of deposits.
Zero balance.
No charges for online transactions
Real time updated pass book can be seen in Paytm app.
Account number will be the mobile number of the
customer.
4% interest for the account.
SAVINGS ACCOUNT

 Every Paytm Payments Bank account holder will be
issued a free digital card at the time of account opening.
It is a platinum Rupay Debit card.
This Virtual Debit card across most online websites and
apps in India.
DIGITAL DEBIT CARD

Account holders can Transfer funds and make payments
to any bank across India by three ways,
NEFT (National Electronic Funds Transfer)
IMPS (Immediate Payment Service)
UPI (Unified payment interface)
All these transactions can be done in free of cost.
PAYMENTS

Paytm payments bank cannot provide some services like,
Loans
Credit cards
Mutual funds
What they can’t do…

COMPETITORS..

Zero minimum balance requirement.
Zero online transaction charges.
Access to the Debit cards.
Why Paytm why not
other…..

Paytm wallet reached 200 million users.
All those wallet users will move to payments bank.
Opportunities for
paytm payments
bank…..

THANK YOU!
PRESENTED BY:
KAARTHIKEYAN G M