This is a kind of app which is very usefull for us. first paytm is for shopping , transfer money , book tickets , etc. paytm give cashbacks on every transaction in it. you can buy anything on it with a good cashback . it helps in payment of dth , recharges , and petrol bill , electricity bill and give you a good cashback on it . It helps you in sending money to others bank account with only 2% of deduction which is very convinient . you can pay without going to bank . This is combo of apps like shoping app , payment app etc It has many more features you should download it .