Indian fintech companies are shifting their strategies from rapid volume growth to focusing on profitability and sustainability amid increasing regulatory pressures. Key players like MobiKwik, Paytm, PB Fintech, and Infibeam Avenues are adapting by emphasizing secured lending, improving payment margins, and optimizing operations. This strategic pivot marks a significant change in India’s digital finance sector, aiming for long-term value rather than quick expansion.

India’s fintech sector, once driven by aggressive volume growth and unsecured lending, is now prioritizing profitability and sustainable business models. As regulatory oversight tightens, companies headquartered in major financial hubs such as Gurugram, Noida, Gurgaon, and Ahmedabad are recalibrating their strategies to focus on margin improvement and risk management.

MobiKwik, a Gurugram-based fintech firm known for its payments platform and credit products, has reduced its exposure to the Buy Now, Pay Later (BNPL) segment. The company’s BNPL disbursals declined by 41% in fiscal 2025, as it shifted towards longer-tenure loans and enhanced focus on its payments segment, where it tripled its transaction volume to Rs 1.15 lakh crore.

Paytm, headquartered in Noida, intentionally slowed down personal loan disbursals by 19% in Q4 FY25, redirecting efforts towards merchant lending, which grew by 13% sequentially. The company is also navigating regulatory uncertainties around Merchant Discount Rates (MDR) on UPI transactions, which, if allowed, could provide new revenue streams.

PB Fintech, the operator of Paisabazaar based in Gurgaon, has increased its secured loan portfolio, growing loan disbursals by 38% in FY25, with a strong emphasis on home loans and loans against property.

Infibeam Avenues, an Ahmedabad-based payments infrastructure provider, expanded its processing volume by 27%, adding over 420,000 merchants in FY25. The company improved its take rate, boosting margins while expanding its merchant technology offerings in Tier II and III cities and overseas markets.

This industry-wide shift signals a transition from prioritizing rapid user acquisition and unsecured credit growth to adopting more stable and scalable financial models. The emphasis on secured lending, margin enhancement in payments, and operational efficiency reflects the fintech sector’s adaptation to a maturing market and evolving regulatory landscape in India.

Read the full article here: Financial Metrics Behind India’s Fintech Shift to Profitability in FY25 — For more updates, visit Wittiya – Top Business News, Stock Market Insights & Financial Updates (Wittiya).

On March 27, 2025, the Indian stock market saw a sharp decline, with 281 stocks hitting 52-week lows and 64 stocks reaching 52-week highs. The Sensex dropped over 700 points, closing at 77,288, while the Nifty 50 fell to 23,486. The downturn was influenced by global uncertainties, profit booking, and concerns over upcoming US tariff announcements. Major stocks such as HDFC Bank and Infosys led the losses, highlighting investor caution ahead of potential trade policy changes.

The Indian stock market faced a significant correction, with 281 stocks touching their 52-week lows and 64 stocks reaching new highs amid heightened global uncertainties. The Sensex plunged over 700 points, closing at 77,288, while the Nifty 50 dropped to 23,486, marking the end of a seven-day winning streak.

Among the stocks hitting 52-week lows were Delta Corp, Equitas Small Finance Bank, Happiest Minds Technologies, Infibeam Avenues, Kesoram Industries, Orchid Pharma, Paisalo Digital, RateGain Travel Technologies, Spandana Sphoorty Financial, Star Health and Allied Insurance Company, and Vakrangee. Meanwhile, stocks like AAVAS Financiers, Chambal Fertilisers & Chemicals, and SBI Cards and Payment Services were among those reaching new highs.

Market analysts attributed the fall to profit booking after a strong rally and growing uncertainty over the US tariff announcements set for April 2. The looming decision by the US government could impact Indian exports, particularly in the IT and pharmaceutical sectors.

Nifty 50 Outlook

According to Rupak De, Senior Technical Analyst at LKP Securities, the Nifty 50 extended its correction as it fell below the support level of 23,600, testing the 23,400 mark. Technical indicators suggest a bearish trend, with a negative crossover in the RSI (14) on the hourly chart.

• Support Level: 23,300, which could be tested if the decline continues.
• Resistance Level: 23,550, a break above which could improve sentiment.
  

Market experts advise investors to stay cautious amid global economic challenges and domestic profit-taking as the market navigates a volatile phase.

Read the full article here: Stock Market Crash: 281 Stocks Sink to 52-Week Lows, 64 Reach New Highs — For more updates, visit Wittiya – Top Business News, Stock Market Insights & Financial Updates (Wittiya).