If the money in your paytm wallet then its is only for spend.
If you are transferring it to bank then paytm will cut the fees 2% and above.
So you only transfer to other paytm account, it means its only for spend not saving.
The money which is in your paytm wallet is also not secure.
If any one opens the paytm app then he/she can transfer the money from your paytm to his/her own paytm account and its easy to transfer only 15-16 seconds.
So guys if you wants to save your money then do not save the money in your paytm wallet.