I always use paytm for my any type of online payment. I never recharge my phone from shop. I never pay my electricity bill from anywhere. I always use paytm for the payment. Few months ago paytm did not have the option for punjab state power corporation limited option but now I can pay my electricity bill from paytm. I always recharge my dish from paytm. I also using paytm bank for my personal banking. I m having great experience.