Paytm logo | Photo credit: Dado Ruvic
The update introduces a cleaner user interface alongside more than 15 new features that aim to make payments faster and smarter for customers across the country, including non-resident Indians (NRIs) across 12 countries.
One of the notable innovations is the launch of ‘Gold Coins’, a unique initiative that rewards users with digital gold on every payment, adding a valuable savings dimension to regular transactions.
The updated app is built around AI, allowing it to understand spending patterns, automatically organize transactions and provide personalized insights.
Features like the redesigned balance history with AI tags help users quickly measure their total balances across UPI-linked bank accounts, without having to manually add up individual account balances.
The app also categorizes monthly expenses into groceries, bills, travel and utilities, using AI-powered tags, and presents a clear, automated overview to simplify budgeting.
Privacy improvements include ‘Hide Payments’, which allows users to hide certain transactions from their history.
Additional practical features include downloading detailed UPI statements in Excel or PDF format, a powerful payment search function that filters past payments based on various criteria, and a unique Paytm Playback feature that converts recent expenses into personalized AI-generated rap songs to engage users in creative money management.
Convenience is improved with tools like Magic Paste, which automatically fills in banking and IFSC details copied from WhatsApp messages, and Favorite Contacts, which allows quick payments to frequently used contacts.
The built-in calculator feature allows users to add up payment amounts directly in the app, making it perfect for grocery and pharmacy bills.
Paytm’s innovative ‘Receive Money’ widget allows professionals such as doctors, gym instructors, taxi drivers and car drivers to receive payments directly from their mobile home screen without opening the app.
Furthermore, the new Paytm scanner offers a visually rich payment experience with smart design and animations, improved recognition from any angle, automatic activation of the flashlight in low light and a pinch-to-zoom feature for remote scanning of QR codes.
The app also extends its reach to Non-Resident Indians (NRIs) from 12 countries, allowing them to link international mobile numbers to their NRE or NRO bank accounts to make seamless UPI payments in Indian Rupees.
“We have introduced the all-new Paytm app with a sleeker design, a new AI-driven experience and innovations that make it the best payments app. With this, we bring intelligence to payments, where the app understands your spend, automatically organizes it and helps you manage it better.
“We also give gold coins with every payment, redeemable for real digital gold, so that every Paytm payment becomes a gold payment. Built in India for every Indian, this is our next step to truly make payments smarter,” said Vijay Shekhar Sharma, Founder and CEO of Paytm.
Published on November 10, 2025
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