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The payments business is the one that remains profitable, claims Paytm CFO Deora.



According to Chief Financial Officer Madhur Deora, payment services to merchants and consumers brought Paytm more than $1000 crore in revenue during the 3rd quarter of this year’s financial year. “Nobody does Rs 1,000 crore revenue in India fintech today,” Deora stated.

One97 Communications Ltd, the parent company of Paytm and Paytm Mobile, has endured an extremely rough ride in the market, with its stock dropping more than 40% since it went public its store on exchanges back in November. The root of the market tensions is that the potential for Paytm’s revenue growth didn’t justify the high price its stock earned. This was noted by analysts from Macquarie Capital when they slashed its target price in a January note. Macquarie has also reduced the price it is targeting Paytm by 700 rupees due to the costs associated with employee stock option (ESOP).

Changes to regulations and the fierce competition in the payments industry from multinational companies could create revenue challenges, as per analysts. The payment provider’s quarterly net loss and robust revenue growth increased during December.

Interview of Aparna Iyer, the group’s Chief Financial Officer Madhur Deora, claimed that payments are the highest-profiting segment for Paytm and that the company will prove this over time. The following excerpts have been edited:

Can it be true that the capacity to generate revenue for the payment space is declining?

The opposite is true. Our merchant payment services have grown 117 percent from year to year. The number of consumers who used our services for payment increased 60% year on year. I’m sure that the last three-quarters of investors were skeptical about this since we didn’t have any figures to support it. The pandemic also occurred in the two years before that. It was hard to quantify the typical growth in payments. We’re seeing that the sum of the two categories (payment services to merchants and consumer services) will be more than Rs. 1,000 crore in revenue for the third quarter of this year. No one makes more than more than Rs 1,000 crore in India today.

Do you think that different payment options will prosper side-by-side and not compete?

It’s as simple as looking at information. Credit cards, debit cards, credit cards, and UPI (unified pay interface) are all doing well. The data already tells us that card, wallet, and UPI — three are increasing. Merchants are looking to accept the payment tools that consumers want to utilize. While I can’t guarantee that every payment method will stay, some could be replaced with an upgraded version. For instance, will IMPS (Immediate Payment Service) be replaced with UPI shortly? Perhaps. In general, can the development of one instrument increase to another? Nearly in all instances, it is not the case.

How can you contact UPI?

UPI is an excellent way to acquire new customers and new merchants. It’s great for merchants as well since transactions are free. When customers become accustomed to electronic payments, their requirements will also increase as time passes. Customers are looking for convenience and higher-quality products. People may seek credit-bearing products. Customers are moving towards more and more payments instruments. There’s no market anywhere globally, and India isn’t an exception that customers are limited to one payment method. Customers make use of different payment methods to meet their requirements. Non-UPI GMV (gross product value) was up 77 percent over the year, directly translating into increased revenue. The UPI portion of GMV is growing at a faster rate. However, this isn’t necessarily an issue. UPI increasing its growth rate means two things. One is that I am receiving new customers at an affordable acquisition cost. If the customer uses UPI or any other method to generate behaviors on my platform, we can offer the customer credit items. I’d say that a person who uses UPI via Paytm can be more likely to accept credit products from Paytm rather than the credit card user. The most important thing is to bring the customer in as inexpensively and make an environment that encourages the customer to use the service.

The revenue is substantial. There’s certainly. Where is the loss for the quarter going to come from?

The losses have increased due to an accounting cost we will have to pay after our IPO. This is a non-cash expense, and nobody is spending any money. In addition to this cost (ESOPs), the growth of the EBITDA (earnings before tax depreciation, interest, and amortization) is impressive. We will eventually be EBITDA-positive. We are highly focused on this. There are tremendous opportunities, and as we expand, we see more of them. The digital ecosystem is not fully embraced at the moment. We’re determined to compete for the top prize of a massive internet-based ecosystem in the nation.

On the other hand, we are looking to become highly efficient and increase revenue. We’ll be balancing both. However, we must also keep on investing. If someone says you should put it off for two years from now but bring losses down to zero, I could accomplish that in just two quarters. But that’s not the goal. The goal is to create an enterprise that can boast thousands of customers and merchants that have various products available through your platform.

What do you have to say about this deal? Raheja QBE agreement?

We are in constant dialogue regarding the regulation. The regulatory authority has no formal, informal official, or informal indication that this deal has not been approved. This process takes time, and we’re in constant discussion.

Do you have a view on your expenditures?

Processing charges for payments are the most significant cost item. The contribution margin of our company has increased from 9 to 31. Our indirect expenses increased by 52 percent. We aren’t stopping investment in any field. When it comes to the things that matter, we are investing. This is the very nature of the platform. When revenues rise, costs increase, but in a smaller percentage. Marketing expenses don’t make up the largest share of the total cost. We’re not investing too much. I am aware of a story that says that you cut down on your marketing expenses; however, that’s not the case.

The growth is solid, but Paytm does not get more value for its money. There’s not much to report in terms of how much they take in. …?

I’ve never discussed taking rate. The people calculate this number and then expect us to achieve the required number. This is not the best method of looking at the business since it implies that certain GMVs with lower take rates or no-take rates should be avoided. So long as you can achieve a profit from any GMV and make this GMV with no margin, it is advisable to choose the GMV. We don’t have to can negotiate a price to lower prices. The growth of GMV efficiently will lead to an increase in your platform’s revenue and numerous opportunities to monetize. Simply because your platform is currently at a specific take rate, it doesn’t mean that you should not take advantage of GMV that is less than the current take rate. We are looking to provide different kinds of services to our customers. We’ll earn money from payments and make more money from commerce, finance, and cloud services. The combination of these creates a robust platform. The total take rate could rise. In the future, as more is more of these services come in, The sum of all the earnings will have a positive effect on the take rate overall.

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How to Make the Most of Your Day While Working at Home



Working from home offers great flexibility. But sometimes, you may feel distracted or distant from the work at hand. If you find it difficult to maximize your productivity when working from home, you’re not alone. So here is how to make the most of your day while working at home.  

Start Your Day Off Right 

An easy habit to fall into when working from home is rolling out of bed and onto the computer. When you start getting into this habit, you are losing valuable time you can use to start your day off right. Try instating a morning routine to get energized and in the right mindset for the day. 

Pick an outfit to work in that isn’t pajamas. Dressing the part can push you to be more productive throughout the day. Being ready for the day will also prevent you from wasting time putting yourself together for video meetings or impromptu on-screen chats. 

Set Up Working Hours 

When you’re working from home, it can be easy to move from task to task with little rhyme or reason. When you don’t have set working hours, you can easily start procrastinating instead. To avoid this you need to set up working hours for yourself. 

The best part about working from home is setting up these hours in whatever way works best for you. You may want to work in a two-hour burst with breaks in-between. Or you might prefer blocking off four-hour blocks in the morning and evening with time in the middle of the day for other activities. No matter how you decide to split it up, you will be more productive and accountable when you set up concrete working hours throughout the day. 

Organize Your Space 

One of the difficulties of working from home is your personal life and work-life blending together. It can be impossible to focus on your work if there is a big pile of dishes in your line of vision. You can take time out of your work from home day to keep your space organized. 

During one of your breaks you can organize all of those dishes on a sink rack so they aren’t cluttering your space. If you’re not sure how to clean that space, you can check out some great over-the-sink rack options too. 

Doing small organizational tasks throughout your day can keep your home consistently clean as well. So you can always have a peaceful place to do your work. 

Plan Out Your Day 

With seemingly endless time during the day when working from home, you can easily make the most of your day by planning it out. There are many different methods for planning your day. You can use a classic planner to block out important meetings, dates, and deadlines. 

If you have to work on multiple projects at once, then using project management software can help you keep everything organized. Using planning tools can also help you set milestones and goals in your work. 

If you were in an office, these goals may have been set by a manager. But when you’re working from home it can help to see your own goals and deadlines on a planner to point you in the right direction. From here, you can start breaking down tasks into actionable items. Then, you’ll be able to work on them in your dedicated working hours and make the most of your day. 

Take Thoughtful Breaks 

When you work at home you can make the most out of your breaks. You can do different activities to keep yourself energized and ready to conquer more tasks. Take these times throughout the day to work on yourself. You can do activities on your breaks like:

  • Reading a chapter of a book
  • Doing a 15-minute workout
  • Taking a stroll with your dog
  • Running a quick errand 

When you are working at home, you have the flexibility to incorporate your ideal lifestyle into your workday. So try to use your break times to do things that you wouldn’t be able to do if you worked at an office. 


Working from home is the new normal for most people. Finding ways to make the most of your day may feel overwhelming, but it’s a great way to plan out your tasks and improve productivity. So get out there and make every day great while working from home. 

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Even though the Kashmir Great Lakes Trek has been awarded the title of Gateway to the Eden;One can still define its immense beauty.The Great Lakes Trek in Kashmir is one of the best treks in Kashmir.The beauty is so rich and unique that it dominates every other breathtaking place in the world.Still,competing with each other for the crown of ‘Most Charming One’.


It is not uncommon to find such beauty and adventure in a single trek.Well,the Kashmir Great Lakes trek is also not ordinary.The long trek of 8 days and nights crosses 4 passes in just one trek. It sounds unusual,but it’s true.


The entire trail is full of attractive and clear views.This means that thoughts remain free from all obstacles.You will not find any human settlement or forest chain,or any other obstacle that can block your view at such a height.


Apart from its breathtakingly beautiful views, this Kashmir trek also has a thrilling stretch along the way.How to go hiking close to POK border? Part of the trek travels along Pakistan Occupied Kashmir.Does it sound tempting or terrifying?You decide.


One thing you must note about KGL- it is always about the journey and not the destination.Walk through 6 different meadows marked with flowers and 7 different ancient Kashmir Great Lakes.They are giving competition to each other in terms of their beauty.


Translated as‘Naked Mountain Nanga Parbat has the highest mountain face in the world.Also,it is the ninth highest mountain in the world.Nanga Parbat has tremendous vertical relief which makes the climb deadly. Exciting, right!The Kashmir Great Lakes Trek is often abbreviated to KGL. One of the most ornate treks in this entire wonderful country.Join us on a journey through vast meadows, sparkling lakes, stunning landscapes and much more.


Shekdur Campsite (also known as Tabletop) is the first destination on the Kashmir Great Lakes trek.It is a vast grassland with flat meadows and is surrounded by forest and mountains.Sonmarg valley can be seen at some distance from this point. The sunrise from this place is really spectacular.The place also has a shepherd’s hut where one can get snacks like tea, kahwa and Maggi.


The trek starts from a small village called Sitakari near Sonmarg.The trail begins by going up and down dense forests, crossing rivers and streams.As you progress, you will pass through endless meadows and landscapes with all shades of green and brown.You will also cross high altitude passes like Gadsar Pass and Jaz Pass where you may also get snow depending on the season.


During the 07 days of your visit to this beautiful place, you will be trekking and hiking in a country where life is simple and the air is thin.Kashmir Great Lakes Trek gives an opportunity to witness the lifestyle of the people of Kashmir.There are also some shepherd’s huts on the trail where nomadic tribesmen of Gurjars and Bakharwals live with their cattle.These people are the most polite and lovely people.


The Kashmir Great Lakes Trek is a unique experience for many reasons.The trekking route offers a unique variety of landscapes and views of spectacular,snow-capped mountains such as Mount Harmukh.The geography and changing seasons have made it unique from looking like trekking to other parts of the Indian Himalayas.The untouched beauty of this remote place has its own charm which you will not find anywhere else in the Indian Himalayas.


Each day you’ll be camping in the gorgeous meadows on the shores of alpine lakes.Each campsite on the Great Lakes Trek is beautiful,although individually, our camp near Krishnasar Lake was the prettiest.If the moonlight is weak then you can see millions of stars at night and also the Milky Way.The views of the camps during sunrise and sunset were absolutely magical.It is recommended to extend the itinerary by a day or two as buffer day.That you can spend the extra day at one of the camping sites and enjoy the raw and beautiful.


As the name suggests the Kashmir Great Lakes Trek takes you through more than 12 alpine lakes.Where each lake is prettier than the other.An interesting thing about these lakes is that some lakes are named after Hindu deities.With their immense beauty and turquoise colored water,these lakes are a visual delight for the trekkers.

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Every person wants to decorate his beloved house a bit like the planet of his dreams, whether it’s small or big. Tapestry is one among the  ways to offer an excellent look to the house. No matter whether the home is big or small, these tapestries provide a stylish  look to the house .Today time tapestries are used in unique and  very different ways.  The primary room in the entire house is the living room and it definitely provides the best impression to the guests visiting your home.

Wall tapestry is a great way to design a way to make the walls look attractive. You are also  able to express yourself and your aesthetic sense in the stylish possible way by designing your house. There are many tips which  help you beautify your home in the best possible way even without an interior designer.

10 living room wall décor ideas

1)  Hanging Geometric Winter Snowflake Cutout

This living room exudes the spirit of a bright winter day. The roaring fireplace, plush white rug, and adorable sledge-shaped coffee table all come together to create a playful setting. Geometric snowflakes hanging on the wall accentuate the theme while adding modern texture. The warm yellow paint on the wall shines through the cutouts in the decor, making you wonder whether you’re looking at a glistening snowflake or a gleaming sun.

2)  Colorful local cartography

A map is a great way to bring the outside world into your home. This bright and colorful map stands in front of a white wall and fills the room with excitement. Bold patterned pillows pull off shades of pink and orange and help tie the room together. You can choose to hang either a map of your country or a map of a place you would love to visit one day.

3)  Funky Square Wall Decor Ideas

Many fine examples of art take advantage of the colored paint below. This set of patterned squares stands apart from the plain green wall; The space between each square becomes a new part of the design. The swirling combination of black and white is interesting but not too busy, which makes it a great choice for living room wall decor.

4)  Rainbow Ribbon Hanging Wall Decoration

Who said there should be curtains for windows? This lovely piece uses a curtain rod to hang it off the wall. Each ribbon matches a color elsewhere in the room. The ribbons flutter with every light breeze, adding a bit of momentum to the room’s design. Consider hanging some string lights behind it to create an eye-catching glow.

5)  moody blue abstract floral painting

This color matches perfectly with the brightly colored coffee table in this painting. The simple room design works well with an intricate piece of art to create a modern and moody feel.

6)  Elegant Golden Living Room Wall Decor

This piece of art is delicate and ornate. Simple gray lines and shimmering gold paint add to bring out the image of beautiful flowers. This type of art wall adds class and luxury to the design of the room. Pair it with other golden embellishments to really bring out the color and shine.

7)  Colorful abstract art piece

This room has white walls and a white sofa, which means there is nothing to distract from the gorgeous colorful painting. The design is abstract but spectacular; Each splash of paint brings out the mood and emotion. Flowers and plants have been placed on either side of the painting to frame it with natural colours.

8)  Pattern Paper Chain Curtain Design

Have you ever made chains of paper as a kid? This unique piece of art takes a classic technique and brings it to a whole new level. Each series is cleverly threaded with different colored episodes. There’s color, speed, and curiosity in this decor.

9)  Simple Stencil Living Room Wall Decor Ideas

Sometimes art hangs on bare walls. And sometimes, the art is the wall. This design takes advantage of a  geometric pattern to create something visually pleasing. The triangles point away from the vertices, making the space appear larger than it actually is. 

10)        Three Panel Thematic Print Art

A Tripitaka is a piece of art expressed in three panels. These artsy prints all fit the same delightful pineapple theme. Matching golden frames tie the pieces together and add a touch of class to the gallery wall. A neutral sofa features throw pillows that have been chosen to match the printed colors; The result is warm, fun and definitely trendy.

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