Paytm's parent company, One 97 Communications, is now offering loans to merchants via the Unified Payments Interface (UPI). This move allows merchants to access loans of up to ₹2 lakh directly through the Paytm app, with repayment terms ranging from 3 to 12 months. The National Payments Corporation of India (NPCI) has given its approval for this service.This step is part of Paytm's strategy to strengthen its payments and financial services segments, potentially leading to better profit margins in the future.