Hey friend I have been using this application since 6 months but it lag behind due to many reasons. There is charge deduction of some amount during each fund transfer through IMPS gateway. The layout of this application is not good. Inhidden charges are being cut from the account in particular schedule. The main thing is that even if it’s your zero balance account but it keeps some positive balance i.e ledger balance other than closing balance. So I recommend not to use it.