I think paytm has lost it shine what it used be before demonatization but after that period alot of money transfer app appeard like phonepe, taz and bhim which transfter money directly to bank account or on mobile number and charge zero fee for it whereas paytm charge some percent which makes it less preferable as compare to other app but other ten that they also provide online shoping that make it as a bonus point for it as this feature not available on many app. But overall for money transfer I recommand other apps than payrm