I am naresh .i am using paytm from last almost 2 years.yes it is very best app .it provides
Lots of facilities like recharges, bill payments , money transfer to other bank account through UPI, and it helps to book movies , shows etc.and the MAIN thing that it provides very good cashback offers.they comes with new cash back offers every new month .they also provide online store that is PAYTM MALL that provides all the online shopping facilities with discounts and huge cashbacks.