One97 Communications Limited (“One97 or Paytm”):

“A ‘demand loan’ facility (“Postpaid Facility”) , Merchant Loans (“Unsecured Short-Term Loan”) and Term Loan (“Unsecured Personal Loan”) is offered by Clix Capital Services Pvt. Ltd. (“Clix”) on Paytm’s platform operated by One97 Communications Limited (“OCL”) (“Paytm Platform”). One97 acts as a service partner to Clix for certain services which include collection of customers’ /merchants’ KYC documents, customer service, technology service provider and to act as a collection agent. However, approval of the above-mentioned facility/term loan is solely at Clix Capital Services Private Limited’s discretion. To know more or apply for the same, please visit the Paytm Consumer (Postpaid/Personal loan ) and Merchant (Loan against offline QR code payments) apps.

To Learn more about Paytm

1. Merchant Loans

Key Features:

  • Unsecured loan facility with daily installment structure
  • Paperless Journey
  • Easy and automated repayments
  • 3 Day Cooling off Period
  • Loan amount upto 5,00,000/-
  • Disbursement directly to customer’s bank account
  • Tenure ranging from 6 to 24 months
  • Zero prepayment charges
  • Easy & Quick disbursement process
  • Simplified digital documentation

For Whom:

  • Small businesses like grocery shops, kiranas, restaurants, hardware stores, pharmacy etc.
  • Proprietorship firms


  • Meet working capital requirements
  • Increase Inventory
  • Improve business cashflow
  • Expand business

How to Apply:

  • Application through Paytm Business Loan App or Paytm App

Customer Care:

Fees and Charges:

Sr. No. Description Rate
1 Process Fees Upto 3% plus taxes as applicable
2 LPP Charges 0.10% per day
3 ROI Upto 36% per annum
4 Tenure Upto 24 months
5 Repayment Instrument representation/Dishonor charge Rs. 200+ GST to be applied once a month on first Mandate/NACH bounce.
6 Mandate re-presentation / Dishonor charge Rs. 200 + GST to be applied once a month on first Mandate/NACH bounce.
NIL charges on part and/or full pre-closure

2. Paytm Customer Care Details

Merchant Cash Advance

24*7 In App Support –

Call Center – 0120 4440440

Social Media

Personal Loan

Social Media Twitter Handle – @Paytmcare

24*7 In App Support –


Social Media Twitter Handle – @Paytmcare

24*7 In App Support –

Paytm Nodal Officer Details

Name – Aditya Ranade
Designation – Nodal Grievance Redressal Officer

E-mail ID –

Phone – 01205083345

Address – One Skymark Tower-D Plot No H-1 OB Sector-98 Noida-201 04

3. List of Collections Agencies (Click Here)

Sachet Portal –