Paytm is a reliable source in my opinion. Everyday paytm come up with cashback offers, shopping offers. And I used to paytm since last year. Every issue of mine, sorted very promptly which is good for build some trust in customers heart.
Totally liked their approach of how to attract others. In my case I see no issue with paytm but only issue is transfer money to bank at 4% interest. Anyways I really fond of paytm and loved to use for forever without doubting on it.