At 41, he is the youngest Indian billionaire with a net worth of Rs.130 billion. Mind you, that’s solely based on the 15.4% and 8.2% stake that Vijay Shekhar Sharma holds in Paytm and Paytm Mall. His 51% stake in Paytm Payments Bank has not been assigned a value yet.

Many will proudly proclaim that hard work and persistence are what brought them prosperity, but the founder of Paytm is candid enough to admit that luck too has played a big role. Living in the posh South Delhi neighbourhood, Sharma recounts the days when he bought his first vehicle, a second-hand Maruti 800. “I bought it from a friend for Rs.1