Paytm Money: We are Building for India

We started our journey at Paytm Money with an intent of making Investing and Wealth Management — Simpler, Transparent & Accessible for millions of Indians.
We evaluated several products like Equities, Fixed Deposits, Bonds, Money Market Funds, and others that we could offer to our users, before ultimately finalizing on Mutual Funds for the following reasons:
- The increasing awareness of Mutual Funds, thanks to industry initiatives like AMFI’s Mutual Fund Sahi Hai campaign.
- The focus of AMCs on Investor Awareness Programs
- Market Regulator SEBI’s continued efforts towards increasing transparency in this Industry
We felt that offering Mutual Funds to our users was the natural choice as compared to other products which could be more risky for first-time investors to begin with.
“We are taking an Investor-First approach with Paytm Money” — Pravin Jadhav, Whole-time Director at Paytm Money
Direct Mutual Fund Plans
Our natural choice was to offer maximum returns opportunities to our investors, so we registered with SEBI as an Investment Advisor (IA). This allows us to offer you Mutual Fund Investments in Direct Schemes — which come with lower expense ratios due to zero distribution commission or hidden fees.
Zero Fees for Investments
Mutual Funds investor-base today is under 20 Mn. Our focus currently is to double the market size of the Mutual Funds industry. We believe that the number of unique investors should cross 50 Million by 2025. We feel that it is more important at this time to focus on growing this market and hence we are offering Mutual Fund investments at Zero Fees to our investors.
Investment Advisory
While investor awareness about Mutual Funds is increasing by the day, we feel that with an overwhelming number of schemes, the real challenge to be solved for is the problem of selection. We are working to solve this and will very soon be launching Paytm Money’s Investment Advisory Portfolios — Recommended portfolios for users, taking into consideration their risk assessment, their goals, asset allocations and suggest advisory portfolios for them to invest.
Start with as low as Rs. 100
We are happy to offer many schemes on Paytm Money that allow investors to start with as little as Rs. 100. We believe that these schemes can serve as good entry points for many first time users’ into their investment journeys before they decide to invest larger amounts.
Digital KYC and Onboarding on Paytm Money
Today, Mutual Fund investors are concentrated in big cities and towns and there is a significant effort being made by the industry to drive MF penetration to Tier 2 ,Tier 3 cities and beyond. To further enable this, Paytm Money allows its users to complete the KYC and Onboarding process on the app entirely digitally and get started with investments within minutes.
Risk Profile Assessments
Our focus is to ensure we help investors take the right investment decision. In that endeavour, we have introduced free Risk Profile Assessment for users on Paytm Money to understand their risk taking ability. With every Mutual Fund scheme that is listed on Paytm Money, we show its Riskometer and also a comparison of the scheme’s riskometer with user’s risk assessment result. We encourage investors to invest in schemes that are aligned with their individual Risk Profiles.
Top Rated Mutual Funds
To help our users make the right investment decisions, we have also featured ratings from India’s leading rating agencies — Morningstar, CRISIL and Value Research.
Know your Fund Managers
While making an investment decision, we believe that it is important to know about the Fund Manager who will be managing your money. On Paytm Money, we help you know more about the Fund Manager and the performance of all the schemes managed by him or her.
Fastest Portfolio Updates
We understand that knowing the current value of your investments is very important. Your portfolio value is dependent of various factors — change in the number of mutual fund units you hold, daily NAV updates, etc. We have built our platform to ensure that we bring to you the latest value of your portfolio, updated in real-time as we receive any new information from our AMC partners.
Any Statement. Anytime.
While most investment platforms share statements only at the end of the year, Paytm Money gives you access to all important statements — Portfolio, All Transactions, Tax Statement, Insights and Gains on demand; you can request any of these statements anytime and it will be delivered to your registered email address instantly.
Customer Support
We are with you in your investment journey. Paytm Money app’s Customer Support section can help you with answers to every possible query you may have, and in case that is not helpful (we apologise!) please feel free to reach out to us.
Paytm Money is built for India, and we are doing everything that is possible to bring the best product & investment experience to everyone.
If you feel we could do more or have any suggestions, feel free to write to us on feedback@paytmmoney.com
Start Investing now.

