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Paytm expands merchant credit offerings with new SME lending product
Paytm launched a ₹25 lakh SME loan product to boost merchant financing and diversify its fintech portfolio amid strong digital lending competition.
Paytm on 5 November 2025 announced the rollout of a new short-term lending product for small and medium-sized enterprises (SMEs) to strengthen its merchant ecosystem. The offering allows merchants to access working capital loans up to ₹25 lakh through the Paytm for Business app, leveraging transaction data and credit scores. The company said the move aims to improve cash-flow management for sellers while diversifying its fintech portfolio. Analysts believe this initiative could help Paytm enhance profitability in its financial services arm amid intense competition in digital lending.