Paytm is best option for cash free wallet. I can carry my amount anywhere in my phone without carry wallet and cards. I don't need to go atm and do cash withdrawal.Nd not even cash free payment service paytm give. I can shop from paytm, I can make all payments like pay electricity bills, mobile recharge, dth recharge, I can transfer my money to bank from paytm wallet and I can receive money from anyone. Paytm is all-rounder. Most needed app is paytm.