I use it for purposes like Mobile recharge, electricity bill pay .most of times.
The best thing about this app is it also provides cashbacks and there are multiple offers as well .
In places where you cant found any store to recharge mobile.paytm work like wonder.
I dont now need to stand in queue! .
The only thing I dont like about the app is it charges huge in case of money transfer from ones PAYTM account to bank account .
hope they will reduce the charges.
Other than that its good.