I think that paytm is not so good website to transfer and pay money, . It is not that poor but can be more better and now so many similar apps and websites like paytm have come and some of them are better than paytm, like phone pe, it gives better cash back than paytm and sometimes we had to pay some tax for transfer of money but in phonepe we can directly transfer it without paying any taxes and also in starting paytm was giving some signup bonus but now it is not giving and other apps have increased their signups and members, so I think that other apps are more effective than paytm ?? , .and thankyou for reading my opinion for paytm