Paytm app is the very cheap and bad application because paytm does not get to cheak book and draft.and I dont like this app, and paytm does not get bharat ges, pgvcl electricity bill option in bill payment. I used paytm for 5 years but I dont statisfy to this app.and many other problem comes in this app like mobile recharge unsuccesful, electric bill , send money to bank account, and main problem is upi tranction.so dont use this app