I will always recommend you to not to use paytm service bcoz before 6 months I have 20, 000 paytm in my wallet and I withdraw that money to my bank account but paytm has decducted balance from my wallet and didnt tranfer to my bank account I have complaine many of time but I didnt get any response I thought my money has gone I forgot it after 6 months and 14 days I got that money this is very bad if someone needs money urgently what will that person do so instead of paytm try to use phonepe its better option