I m always using paytm.com for transferring money, paying eletricity and water bills, recharge mobile phones. Its Very comfortable to use. No need to going banks to transfer our money to other banking and wasting 2-3hours in banking. Now from home we can transfer our money easily. Its Very useful for all buisness those who are not having time to go in banks or paying bills in water supply or electric supply farms. Just sit at home and do everything easily. In emergency we can recharge phone in home itself no need to go in retailer shop.