I use paytm since half years, from my knowledge of use it is good. But now paytm open its bank for coustomer.But only those man eho exceeded 18 years and have a pan card can open a bank.its not a good idea, many of customer not a pan card snd also there are lot of students who was under 18 , are unable to open bank account, thats the problem. And also they have not option for request plastic card, for phisical use. Thank you