Paytm is good app the concept is very good od digitilasion of money you dont need to keep cash all the day just have your is important. There are many other features are also useful you can pay you electricity bill dth bill and also recharge your phone with sitting at home. You can also find many discount and offers which are very interesting the layout of app is also good easy to use no problem it can directly link to your bank account and you can take and give money throw this app very easily. And also you can book train tickets and movie tickets with this app.