Who owns Paytm?
short answerPaytm is not itself a bank. It runs on a partner-bank (BaaS) model, where a licensed sponsor bank holds the deposits behind the app while Paytm builds the product and interface. Paytm's most notable disclosed backers include SoftBank, Ant Group, Alibaba and Elevation Capital.
Is Paytm a licensed bank?
No — it runs on a sponsor bank (BaaS model). Licence detail: UPI TPAP riding on partner banks (Axis, Yes Bank, SBI, HDFC); wallet wound down with bank unit.
Where is your money held?
Custody model: Custodial.
No sponsor bank or infrastructure provider is publicly documented for Paytm yet. Know one? Suggest it.
Early investors
Is my money safe with Paytm?
Deposits are held by Paytm's sponsor bank, so any insurance flows through that bank rather than Paytm. Check which sponsor holds your balance and whether it is passed through for per-customer coverage.
go deeperSee the full Paytm profile with every verified field, or Paytm alternatives. Raw fields: data.json.
Figures compiled from public sources, for comparison only — not financial advice. "Up to" rates change constantly; always confirm with the issuer. Spotted an error? Suggest a fix.