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As @Paytm released its Q4FY23 results yday, I dived into last 8-qtrs of its lending biz πŸ’‘πŸ’‘

Here’s a breakdown of numbers that you won’t find all in one place anywhere else πŸ‘‡

Tags: @vijayshekhar | #Paytm Image
Paytm earns 2 things on each loan given.

πŸ’° Commission (C): A %age of the loan amount

πŸ’° Performance bonus (PB): A %age of the EMIs collected, only when the loan is paid back
Some basics about the performance bonus!

πŸ‘‰ In case of defaults, #Fintechs used to compensate the lending partners (LPs- NBFCs & banks) under #FLDG (first loan default guarantee) agreement
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