Paytm is very useful app for those who wants all facilities in one place like mobile bill payments, dth recharges bus booking etc etc.
Concept is good and going more popular during this demonisation.
Layout is very good and simple. It design like every category have its own place so no need for extra scrolling and searching for things.
Functions are so simple and easy to use. I use paytm wallet almost twice in a day. No extra paper cash required if you have paytm app in your smart phone.
For security feature it has its own pattern lock for safty of your wallet cash.
Overall vry useful app and it must have in your phone.