
Vijay Shekhar Sharma — Borrowed ₹10 for a Train Ticket, Now Runs a $5 Billion Payments Bank
In 1997, Vijay Shekhar Sharma borrowed ₹10 from a friend to buy a train ticket to Delhi. He had no money, no connections, and no degree (he had dropped out of engineering). He started a content company, then pivoted to mobile payments, and built Paytm, India’s largest digital payments platform, with over 350 million users. This article traces his roller-coaster journey: the IPO disaster (stock crashed 80%), the banking license, the battle with Google over app billing, and his relentless focus on financial inclusion. Vijay’s story is a reminder that entrepreneurship is about surviving humiliation and coming back stronger.








