How PhonePe Makes Money

PhonePe's revenue has increased exponentially in the last 5 years since its inspection.

Let's know about its different revenue sources -

Recharge and Bill Payment - When we pay bills or make a recharge, it gets a commission from the company for every transaction.

Digital Gold - Digital gold can be bought through PhonePe. When we buy gold using PhonePe, Paytm earns a little commission.


Mutual Fund -Customers can easily invest in mutual funds using PhonePe. PhonePe charges a little amount as a fee.

Gift Vouchers - Sometimes, we get gift vouchers for making payments which can be redeemed at other platforms. PhonePe gets a commission on every redeemed gift voucher.

Using App - Different apps like Swiggy, OlaCabs, etc can be used through PhonePe. So, PhonePe gets a commission from these apps to redirect users to their platforms.


UPI Transactions - The free UPI Transaction service attracts more users. PhonePe will generate revenue when they will use other available services.

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