Electronics and Communications degree from Delhi College of Engineering, now Delhi Technological University.
Started experimenting with internet businesses at a young age and later founded One97 Communications.
The growth of mobile phones and digital services created an opportunity to simplify recharges, payments and merchant transactions.
Language barriers in college, limited early resources, intense fintech competition, regulatory pressure and the challenge of building trust in digital payments.
The shift from telecom-linked digital services to payments and the widespread adoption of QR-based merchant transactions became major turning points.
Founded One97 Communications and Paytm; built a widely recognized payments and merchant technology brand in India.
Expand payments, merchant services, financial products and AI-led operating efficiency.
Keep learning, build for local customer realities and be prepared to reinvent the company as technology and regulation change.
