BENGALURU: PayU India , the digital payments and credit platform owned by global internet investor Prosus , reported a strong recovery in FY25, achieving breakeven in its payments segment in the second half of the year. The turnaround was driven by deeper penetration with existing merchants and an expanding range of value‑added services across its payments and lending offerings.
For the year ended March 31, 2025, PayU India’s payments business delivered revenues of $498 million, a 12% year‑on‑year rise. Total payments volume (TPV) increased 14%, bolstered by strong momentum across financial services, government payments, airlines, and food delivery sectors.
The payments segment achieved breakeven in the second half despite rising competitive pressure and lower take‑rates across digital payments in the country. Meanwhile, PayU’s credit business also gained traction, with its loan book expanding by 19% and revenues surging 63% over the prior year. The adjusted EBIT loss for the credit segment narrowed to $32 million, impacted by higher consumer loan provisions and credit costs.
Prosus, which has invested roughly $8.6 billion across more than 30 ventures in India, reaffirmed the country’s role as a cornerstone in its global digital commerce and fintech ecosystems. In its annual review, the company said PayU India’s performance was central to its long‑term approach for building AI‑enabled payments and lending platforms across high‑growth markets.
“Achieving breakeven in payments and recording robust loan book growth reflects the strength of PayU India’s merchant relationships and its role in capturing the shift toward digital payments and credit in one of the world’s fastest‑growing markets,” Prosus stated.
Looking ahead, the company said it aims to deepen its merchant ecosystem by introducing more value‑added services across payments, lending, and digital financial services. It also emphasised its focus on AI‑led fraud detection, risk modeling, and customer experience as core differentiators for PayU India.
For the year ended March 31, 2025, PayU India’s payments business delivered revenues of $498 million, a 12% year‑on‑year rise. Total payments volume (TPV) increased 14%, bolstered by strong momentum across financial services, government payments, airlines, and food delivery sectors.
The payments segment achieved breakeven in the second half despite rising competitive pressure and lower take‑rates across digital payments in the country. Meanwhile, PayU’s credit business also gained traction, with its loan book expanding by 19% and revenues surging 63% over the prior year. The adjusted EBIT loss for the credit segment narrowed to $32 million, impacted by higher consumer loan provisions and credit costs.
Prosus, which has invested roughly $8.6 billion across more than 30 ventures in India, reaffirmed the country’s role as a cornerstone in its global digital commerce and fintech ecosystems. In its annual review, the company said PayU India’s performance was central to its long‑term approach for building AI‑enabled payments and lending platforms across high‑growth markets.
“Achieving breakeven in payments and recording robust loan book growth reflects the strength of PayU India’s merchant relationships and its role in capturing the shift toward digital payments and credit in one of the world’s fastest‑growing markets,” Prosus stated.
Looking ahead, the company said it aims to deepen its merchant ecosystem by introducing more value‑added services across payments, lending, and digital financial services. It also emphasised its focus on AI‑led fraud detection, risk modeling, and customer experience as core differentiators for PayU India.
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