I am old user of paytm.mostly I prefer to make transaction via paytm.this is easy and instant transaction app .but now paytm charges extra money charges for wallet to bank.for 1000 Rs this app charges 29.97 Rs.this is not a good because other app not taking any charges for transaction.mainly offers show on paytm one of this offer is transfer 50 rs via upipaytm get upto 1000.i was done this offer on 27 january till now I dont get any cashback.huge charges for transaction is dispointing.over all app is useful if you ready to spend extra charges.