It is very usefull as it’s name because the most important thing is that this application is fully undertaken by government of india and this is very secure and their data is encripted. the layout and design of the application is very simple to use every people of country, rather they are literate or else.
This have many option regarding your solution of every querry about account and their respective detail.
You can also check your balance while using this application and the transaction is too fast in fractions of second without any failure. This have one most important feature of selecting multiple accounts with this application and one benifit of this app is while you are not using smartphone rather you can use this app to transfer with simple or keypad phone with BHIM ( 199) an you can easliy send money to anyone.