U can say paytm aap is most needy app in indian nowaday.In paytm we can use everything in our life For daily porpose like recharge, train or bus or flight ticket will done in few minutes.U can transfer the wallet money to bank account in simle esay step.Daily offer also come.Some time u will get 100% cashback for someting u buy or recharge.It mean u will get the product free.In shop or medical store u can pay via paytm if u havnt money currently. in night when the bank are close but 23hr paytm going on so u can transfer the money into another account. iTs osm app for indian so just install it.