After the bumper opening of Zomato on a listing day, Investors are waiting for two of the major

establishment of India, one of them is the financial services giant, PayTM, and another one is the
insurance giant of the government Life Insurance Corporation (LIC).

PayTM

PayTM is a financial services giant which provides various services like recharges, online payments,
transferring money, etc. It was established in 2010 with only a recharge platform. But with time, it
added different verticals, which include flight booking, train booking, movie ticket bookings, PayTM
Money, PayTM Mall: which is an e-commerce platform for retail goods, PayTM Payments bank,
PayTM Gold, PayTM insurance, etc.

Big players have invested in PayTM, including Softbank, ANT Financial, AGH Holdings, SAIF Partners,
Berkshire Hathaway, and Discover Capital. The shareholders approved a Rs 16,600 cr IPO, of which
Rs 12,000 cr is a fresh issue and Rs 4,600 cr is the offer for sale from the existing investors.

Strengths and Weakness/Threats of the company:

Trusted brand and have penetrated in PAN India

In house technology and believes in innovation

Experienced Promoters and excellent management team

Weakness/Risks

The majority of the revenue is coming from its payment services

High competition from big players like GPay and PhonePay

Dependency on the company’s ability to increase revenue and increase the retention rate of the
customers
LIC

Life insurance corporation is the only government-owned insurance company in India. It was
founded in 1956, LIC was set up by merging around 245 insurance companies. LIC was a monopoly
till the 1990s. Afterward, the government opened up the sector to the private sector. There are 2048
branches in India. There are eight zonal offices, 113 divisional offices, and 1526 satellite offices.

LIC is touted as the biggest investor in India. It has bought shares worth Rs. 90,000 crores in this
FY21. The company clocked profits of more than INR 10000 crore in June quarter. Its strong fiscal
standing robust fund size and excellent management make the most lucrative IPO of all time.

Strengths

The company has a total of 13.53 lakhs of LIC individual agents as of March 31, 2021, compared to
11.01 lakhs agents for over 20 private life insurance

The company has a wide variety of life insurance plans, endowment plans, whole life plans, etc.

Market share of 69% in India and have foreign presence also

Weaknesses/Risks

Many private players are growing and have started to provide competitive insurance plans.

Being a PSU, there are certain restrictions

Affected by RBI or Government fiscal/monetory policies