I download it after the demonetisation thing. But let me tell you this is the best thing that has happened after it. It has made all my payments easier. And I am writing this review because I had paid for groceries yesterday using paytm and just now I have recieved 100% cashback. It is just unbelievable. The deals are great. I have booked tickets on this, recharge every time from this and order many things. Its great