This paytm payment bank is not a good for all the people.The concept of this paytm payments bank is nothing but a bank account.The 4% of intrest is given by the paytm bank.There is no minimum amount to deposit in this paytm payments bank.The features is also equal to other regular banks.They give a cheque book, pass book, debit card also.Free money transactions through UPI.There is no chages to pay bills.layout and design is is just average.The features and functions is not very good.They look like a regular banking benfits is given by this paytm payments bank there is nothing a very great benfits .Iam not recomend this bank at all.