Vijay Shekhar Sharma blamed bad timing for a tepid response to Paytm’s initial public offering and lacklustre listing last year, amid cascading share prices of a company he co-founded over two decades ago. “This quarter we are talking about $100 million revenue from payments which is like a sizable revenue… People underestimate the size of payments revenue,” said Paytm CEO. “Credit is the most monetisable financial service. Bajaj Finance has been there for 30-32 years, Paytm processes more loans than Bajaj today, in less than three years…,” Sharma said.