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PROJECT REPORT ON

AN ANALYTICAL STUDY ON PROBLEMS FACED BY PAY-TM USERS.

SUBMITTED BY

BHASKAR ANNALDAS

T.Y.B.COM. BANKING & INSURANCE SEMESTER V

2017-18

UNDER THE GUIDANCE OF

PROF. HARISH PREMRAO NOULA

SUBMITTED TO

UNIVERSITY OF MUMBAI

VIDYALANKAR SCHOOL OF INFORMATION TECHNOLOGY

(AFFILIATED TO UNIVERSITY OF MUMBAI)

VIDYALANKAR MARG, WADALA (E),

MUMBAI 400 037


VIDYALANKAR SCHOOL OF INFORMATION

TECHNOLOGY

(Affiliated to Mumbai University)

Certificate
This is to certify that

Mr./Ms. Of B.Com.in Banking


& Insurance Semester V has undertaken & completed the project work
Titled during the academic year
under the guidance of Mr./Ms.
submitted on to this
college in fulfillment of the curriculum of B.Com. in Banking & Insurance
University of Mumbai.
This is a bonafide project work & the information presented is True
& original to the best of our knowledge and belief.

PROJECT COURSE EXTERNAL PRINCIPAL


GUIDE CO-ORDINATOR EXAMINER
DECLARATION

Vidyalankar School of Information Technology

(Affiliated to University of Mumbai)

Vidyalankar Marg, Wadala (E),

Mumbai 400 037

I Bhaskar Annaldas, student of T.Y.B.Com. Banking & Insurance


Semester V, Vidyalankar School of Information Technology, hereby declare
that I have completed the project on Pay tm
towards AREA OF RESEARCH in academic year 2017-18.

The information submitted is true and original to the best of


my knowledge.

BHASKAR ANNALDAS
ACKNOWLEDGMENT

I hereby acknowledge all those who directly or indirectly helped me


in drafting of this project reports, special thanks to Prof.Harish Premrao
Noula It would not have been possible for me to complete the task without
their help and guidance.

First of all I would like to thank the principal Dr. Rohini kelker The
Vice Principal Prof. Vijay Gawde, and our Project in charge Prof.Mangal
Singh Rawat who gave me the opportunity to do this project work. They
also conveyed the Important Instructions from the university time to time.
Secondly, I am very much Obliged of Prof. GUIDE NAME for giving
guidance for completing the project.

Last but not the least; I am thankful to the University of Mumbai fo


offering the project in the syllabus. I must mention my hearty gratitude
towards my family, Other faculties and friends who supported me to go
ahead with the project.
Executive Summary:

Indias Largest Mobile Commerce Started by offering recharge and utility bill payments
and today it offers a full marketplace to consumer on its mobile append emerged to be
among top e-commerce business. The key objective of setting up a Pay tm is to lower
the cash transactions and higher the cashless transaction. Pay tm is India's largest
mobile payments and commerce platform. It started with online mobile recharge and bill
payments and has an online marketplace today. In a short span of time, we have scaled
to over 250 M n registered users. Pay tm is the consumer brand of India's leading
mobile internet company One97 Communications. One97's investors include Softbank,
SAIF Partners, and Mediate. We strive to maintain an open culture where everyone is a
hands-on contributor and feels comfortable sharing ideas and opinions. Our team
spends hours designing each new feature and obsesses about the smallest of
details..The world is increasingly mobile; people want access from wherever they are,
whenever they need. At Pay tm, you have the option of recharging and shopping from
anywhere, whenever and are equipped with a secure online wallet called Pay tm Cash.
Everyone has a distinctive taste of his own and pay tm offers what consumer exactly
needed. The entities eligible to set up a Pay tm include existing non-bank pre-paid
instrument issuers, and other entities such as individuals/ professionals; non-banking
finance companies, corporate BCs, mobile telephone companies, super market chains,
companies, real sector Co operatives; that are owned and controlled by residents; and
pubic. Sector entities.

You can become a Pay tm VIP customer for free by getting your KYC (Know Your
Customer) done and store up to Rs. 1 lakh in your wallet. If you became a Pay tm VIP
customer you can transfer more than 20,000 per month as per the RBI regulations. This
limit applies to minimum KYC (Rs.20, 000) wallet while Full KYC (Rs.1 lakh) wallet
users can transfer up to Rs. 25,000 per month.
CHAPTER
NO:- TOPIC PAGE
NO:-
CH. 1 Introduction to the Study 10

1.2 Objective of Study 11

1.3 Limitations of the Study 12

1.4 Methodology and Sources of Data 13

CH.2 Introduction to the Topic 14

CH.3 Review of Literature 36

CH.4 Analysis 39

CH.5 Findings 72

CH.6 Conclusion 73

Annexure

6.2 List of Abbreviations, Figures, Tables 74

6.3 Questionnaire 75

6.4 Bibliography of Books, Journals, Report and Websites used 80

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