HRLLO FRIEND! ROHIT HERE.
I have been using paytm app since a long time. I found this app too be brilliant as it has brilliant stuff . But I dont recommend you to do shopping as it has worst costumer service. But their are ofcourse some boones.I will ensure to tell you about its features.
ELECTEICITY BILLS - you can eadily pay your monthly electric bills via this app. Just enter important credentials mentioned in hard copy of bill and pay. You will even get cashback as per T& C.
GOLD - Oh yes! You can even buy gold. The interest are quite low. Yoy can keep buying virtual gold and can even order on your wish.Delivery charges will be there, dont forget.
BOOK TRAVELS - You can boom your seat in bus. Some options to airticket are also available.
This app have some other extravagant options like DTH, mobile postpaid, loan, credit card, grocery, mutual fund and plenty of them.Just try it and ease yourself.Thanks for reading!