The concept of Paytm apps is a digital wallet for every income level persons. I am using this apps since 20 Nov. 2016 it is the best option for every Indian steps towards cash less economy. Layout and design of the apps is very normal compare then other e-wallets of internet one single mobile number is sufficient to send money and received money. easy to use by non technical persons. Paytm apps having very useful features and functions e.g. we can pay all electricity and water bills, recharge DTH, Mobile and other services, we can send money to our bank accounts we can pay daily need goods for retailer. we can easily recover the password if forgotten. I recommends the paytm apps to every Indians.