Gratification via Paytm Gold

Paytm is the largest internet ecosystem in India

Largest
payments user 375 mn $ 45+ bn GTV run rate 4 bn+ annual
base registered users transactions

Merchant
~8.6 mn unorganized ~32,000 online merchants
Ecosystem 200,000+ organized outlets
merchants

Jul-16 Oct-16 Jan-17 Apr-17 Jul-17 Oct-17 Jan-18 Apr-18 Jul-18

Marketplace Telecom recharge Utility payments Online Payments Offline Payments Digital Commerce 2
Our network effect at play!
8:00 AM
Milk
11:30 PM
Cab 10:00 AM
Petrol

7:30 PM
Shopping
10:30 AM
Toll
Covering all
7:00 PM important customer
Coffee use cases 11:00 AM
Parking

6:30 PM 1:30 PM
Bill Payments Office
Cafeteria

6:30 PM 4:30 PM
Metro/Rail Tea/Snacks
Roadside 3
Paytm established itself as one of the most well known and
trusted brands in the country
Time - The 100 Most Influential People Outstanding Startup of the Year Award
Forbes Leadership Awards 2016

Most Trusted Brand 2016 in India FT Future of Fintech Award 2016

Online Services Category Financial Times
Nielsen & Economic Times

Best Digital Wallet and Top 5 Buzziest Brands in India 2017

Afaqs
Best Consumer Mobile Service
11th IAMAI India Digital Summit

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Gifting gold is a great way to Reward Employees and
incentivize Trade Channel

Gold has higher perceived and emotional value as compared to other monetary incentives
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However, gifting gold has not been hassle free for corporates…

 Preparation and planning has to be started months in advance

 Difficult to pick one vendor – multiple available choices create confusion

 Choice to gifting amount is restricted due limited gold coin denominations – 1g, 2g etc.

 No guarantee of the purity of gold in the final product

 Logistics & tracking of gold distribution is nothing less than a nightmare

 Safety & security is a major concern; leakages are significant and difficult to control

 Overall execution eats up a lot of time & bandwidth of management

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Paytm Gold – Making life easier

 Gift in pure Gold digitally (24K 99.99% purity Gold by MMTC-PAMP)

 Choose your own gifting denomination starting from Re 1

 Instant gratification to multiple recipients with click of a button

 Zero leakage due to direct transfer and easy tracking through reports and dashboard

 Extremely safe with Gold storage in secure 100% insured lockers

 Multiple options for the recipient – keep, sell, gift, redeem in coin, exchange for jewelry etc.

 Forget about logistics woes – assured delivery across India with live tracking

Fastest, Simplest and most Convenient way of Gold gifting for corporates
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Key Features of Paytm Gold

Customers can Buy and Sell Gold for Partnership with MMTC-PAMP for 100% Insured and Free Locker
as low as Re. 1 24K 99.99% purity gold Facility

Anytime Delivery of coins/ bars at customer’s Gift Gold digitally to loved ones Save regularly through SIP
doorstep

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How does it work?

Disburse Redeem

1. Sell anytime / any quantity on Paytm ( with

instant money credit to the bank account of
your choice)
2. Gift (P2P Transfer)
3. Physical Delivery (Minimum Quantity 1 gm)
Get it Delivered: Pay 4. Redeem at Offline Stores like Kalyan
Buy and
making charges and
Accumulate: Jewellers / PC Jewellers / MMTC etc. (coming
request for delivery
Gold stored in soon)
anytime
your online
account

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Process flow

Agreement signed Directly transfer “x” amount Corporate

between Corporate of money to your Paytm Business wallet through Business Wallet
Corporate
& Paytm NEFT

Gold voucher codes

disbursed via SMS / to the
corporate via email

Transfer to Employees’
Employees’ choice to
Paytm Gold account
Gold Wallet

Let it grow / Redeem Employee

Gold account

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Simple User friendly Interface for ON APP REDEMPTION

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There is more to come..

Direct exchange of Paytm Gold for Jewelry at major Jewelry retail chains

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Paytm Gold redemption for Jewellery – indicative process flow
Customer, desirous of availing the Paytm Gold Redemption Scheme scan the Paytm QR code at the store, and would see an option to
use his Paytm Gold in addition to other payment modes.

 Go live date in May at 500 online and offline partner stores

 Exciting Cashbacks for customers on Jewelry Redemption

Simple User friendly Interface for OFFLINE REDEMPTION
Simple User friendly Interface for OFFLINE REDEMPTION

After successful transaction, amount will be transferred to Jeweler's Account

Comparison
Particulars Paytm Gold Other Channels

Digital gold gifting is cheaper as gold price is live and incidental

Pricing costs are eliminated Rigid Price + Seller margins
More value for money for corporate + end user as we are giving
Value for Money pure metal Huge Pilferage on redemption

May offer upfront discounting - when the actual earning on

Paytm will refund the actual breakage (unused codes to breakage will be much higher + margins on jewellry
Breakage corporate at the end of expiry) redemption are10-20%

Purity 99.99 % purity via MMTC 99.90% Purity

Fixed. Nominal - visible on app - Only applicable on delivery. Can

Making / Minting Charges be discussed. Nominal. Rs. 200-500 per gm depending on grammage

Logistics + Insurance + Packaging Nil Limited Coverage. Depends on location (60-120 Rs)

Lead Time No leadtime Depends on location (somtimes it takes 15 days)

Little or no troubleshooting needed as redemption is instant. Gold Challenges such as loss / damage / pilferage / issues in
Trouble shooting & safety can be locked to a number purity

Redemption Flexibility Instant - via bank account or physical delivery Time consuming - need to visit local jeweler

MMTC / Paytm secured platform. Untilized promodes can be Gold once purchased by corporate has risks on price change
Trust encashed / loss in buy back

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Key Points on Commercial

We will offer gold vouchers on a prefunded model

As compared to other vendors who make margin on gold / diamond jewelry / making charges we are offering 99.99%
gold
We will refund the actual breakage at the end of the voucher expiry period – which typically is upto 5-10%
Redemption trends will be shared monthly
No masked logistics / making charges costs etc. more value for money for corporate and end User

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Sapna Dandona
AGM – Corporate Alliances
+91-8860008116

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