PayU India secured an infusion of INR 302 Cr from Prosus via 4.9 Cr equity shares to accelerate its credit operations and fuel growth.

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The credit arm of PayU is projected to achieve breakeven by September 2025, signalling strong profitability focus within the fintech ecosystem.

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PayU India's total revenue grew 21% YoY to $669 million in FY25, driven by strong performance across both payments and lending segments.

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The credit vertical alone saw 60–63% growth in revenue to $171 million, with total loan disbursements reaching $1.1 billion.

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Despite revenue gains, adjusted EBIT loss widened to $44 million due to increased financial leverage and losses from consumer loans.

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RBI’s clearance in April 2024 to onboard merchants after a 15-month ban led to 13,000 new merchants joining PayU’s platform.

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PayU's payments division achieved breakeven in the second half of FY25, highlighting operational efficiency.

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The credit strategy has shifted toward SMB lending, now representing 23% of all disbursed loans, emphasizing improved risk management.

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Enhanced underwriting practices led to improved loan performance in 2024, reflecting business adaptability and focus on sustainability.

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The company has postponed its IPO plans and is focusing on building a stronger and more profitable foundation before considering listing again.

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