Paytm aims to attract Gen Z and grow future market share while navigating regulatory scrutiny, including RBI actions on its payments bank arm in 2024, as competition from Fyp, Junio, and FamPay remains.

The Pocket Money feature avoids risky transactions and includes a Spend Summary tool to help monitor family expenses and allowances.

Paytm has launched Pocket Money, a feature that lets teenagers perform UPI payments without their own bank accounts while enabling parental supervision and spending controls.

Activation includes temporary security limits: Rs 500 in the first 30 minutes and Rs 5,000 in the first 24 hours, and requires a device lock for use.

Individual transactions are capped at Rs 5,000, with a total monthly UPI spend limit of Rs 15,000; international payments and cash withdrawals are not supported.

Disclaimer notes that no Business Standard journalist was involved in the creation of the content.

The broader context highlights rapid growth in India's digital payments market, with an estimated 24% annual growth through 2030, alongside regulatory and market risks that affect Paytm’s valuation and performance.

Analysts broadly maintain Buy/Outperform ratings with target ranges between Rs 1,002 and Rs 1,576, though earnings misses and elevated valuation inject caution; Paytm is expected to turn profitable in FY26 after a prior loss, but volatility persists.

The piece references a related RBI action against Paytm Payments Bank and provides links to related coverage and brand marketing updates.