I am using paytm since the demonetization has taken place. I have very good impression on this product. Many features are there in this app. And it also started paytmmall app which is like flipkart and other e commerence sites. The customer care is very responsive whenever we complain they will solve as soon as they can that is the think I liked most in the paytm and it has so tempting user interface just after using u will fall in love.
Payments bank is similar to the other bank and it is very easy to use and good interface. We will be getting interest for the money that is in the payments bank.