Hi every body , hi I’m abhi , pay tm this is super application in india , very very useful app for amount transaction, payments, shopping and everything, payment wise this very very easy if you want make payment to hotel , power bill and water bill within a second you can make a payment and also amount transaction is very easy , we can transfer the money from kne bank to another bank is very easy and safety, so we can trust this easily. Now a days india has started for digital India . So this is useful for making digital India.in pay tm everything will be there , so I’m suggesting you please use this app and make it easy to your life