Hello
I am mukesh Singh. I have been using paytm mobile app since more than one year. It is a very nice app with lots of facilities. It was very useful during demonetization time and that time it was not charging its service charge by transferring money to any bank account but now it is charging. This was like it took the chance of that period. But besides it I didn’t find any problem with it. Yes u can’t keep money more than 20000 rs in its wallet, it is its limitation. For this u should link your aadhar number. However overall it a nice app to recharge, send money, shopping etc.
Thank you
Have a nice day