PayTM is my first choice wallet. I have been using it from past 2 plus years. Crate wallet and use it as your payment mode in almost all e-commerce sites, super markets etc., You can transfer money from one PayTM account to other PayTM wallet. Normally, 10 thousand Rupees transactions can be made per month. If you update your PayTM wallet with KYC by providing your Aadhar card details, you can make monthly transactions up to 1 lakh Rupees. You can even get the PayTM wallet loaded with your credit card and transfer the money to bank accounts for about only 1% extra charges. It is awesome wallet. GO for it.