Helo friendz my self sharjil I am using paytm since 5month it is good when all bank are close and we need urgent money that time it is very good but charges for transfering money is much on 500rs paytm takes 20rs I think. And many times I applied for verification for becoming VIP but no one come to collect documents. And some time money get deducted from account and not get into paytm than long procedure to getback money. This all are the disadvantages from paytm. Its not I am saying grom my own. Whatever I had suffered that I am saying. Only the good thing is we can use paytym anytime when we see all bank are close and during any emergency. Thats all