PayU India reported $397M in revenue for H1 FY26, reflecting a 20% year-on-year growth, underscoring the company’s strong position in digital payments and credit services. Value-added services now contribute 34% of payments revenue, highlighting the shift toward integrated financial solutions beyond basic payment processing.
Strategic Drivers: Payments, Credit, and Regulatory Momentum
- Payments Scale: Core payment volumes continue to rise, fueled by both online and offline merchant adoption.
- Credit & Value-Added Services: The increasing contribution of value-added services indicates diversified monetization and higher customer lifetime value.
- RBI Approval: Being recognized as a payment aggregator enables PayU India to expand cross-border offerings and strengthen its omnichannel presence.
Implications for the Market
With strong revenue growth and regulatory endorsement, PayU India is positioning itself as a trusted full-stack fintech partner. Its focus on credit, cross-border payments, and value-added services strengthens competitive differentiation in a crowded payments ecosystem.
PayU India’s H1 performance signals more than revenue growth it reflects a strategic shift toward a diversified, resilient, and scalable fintech model capable of capturing India’s fast-evolving payments and credit landscape.
