• Source:JND
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Paytm has launched a massive makeover of its mobile app, adding a cleaner interface and faster performance as well as new features powered by artificial intelligence (AI) in an effort to make it easier to organise payments and keep track of spending. The company claims the new update makes the app “lighter, faster, and more intuitive”, bringing tools that are a mix of convenience, personalisation, and even some fun to the interface.

Here’s a detailed look at everything new in the revamped Paytm app.

A Smarter, More Streamlined Interface

The first thing you'll see is the new home screen layout, which has been redesigned to make it easier to navigate. Icons, the ISO menu and shortcuts have all been reorganised to reduce clutter and make the user experience more intuitive.

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One of the biggest interface changes is the “Total Balance” dashboard, which displays the combined balance of all linked bank accounts in one place. This lets users check their funds quickly without toggling between accounts. The company says this change makes banking “more seamless and transparent” within the app.

AI-Powered Expense Tracking and Smart Search

The AI-driven financial system has been the bedrock of banking transactions at Paytm for quite some time.

- Automatic Transaction Categorisation: The app will now automatically categorise payments in shopping, travel, utilities and dining with a Monthly Spend Summary making budgeting super straightforward.

- AI-Powered Payment Search: Users can search in their transaction history by names, amount range, payment type or notes that will help them find old payments faster.

- Payment Location: Now, for every transaction, you can see where it was made, which adds a sense of context to your payment record.

These features make it easier to monitor spending patterns and gain insights into financial activity — all without relying on third-party apps.

Magic Paste and Quick Access Tools

Paytm has also added a few practical improvements to speed up everyday tasks:

- Magic Paste: This feature automatically detects copied payment details (from messages or apps like WhatsApp) and auto-fills them in the transfer form, saving time and reducing typing errors.

- Receive Money Widget: Users can now add a QR code widget directly to their home screen, allowing them to display it instantly without opening the app — a handy addition for small business owners and freelancers.

Both features underline Paytm’s focus on ease of use and time-saving automation.

Digital Gold Rewards with Every Payment

The update introduces a new Gold Coins rewards programme. Each payment made through the app earns digital coins, which can later be converted into digital gold within Paytm.

This feature combines Paytm’s payments ecosystem with its growing financial services offerings, encouraging users to transact more while building small digital investments over time.

Support for NRIs in 12 Countries

Paytm has expanded its international reach by allowing Non-Resident Indians (NRIs) in 12 countries to use the app for payments in India. NRIs holding NRE or NRO accounts can now make payments without incurring extra forex charges.

This move makes Paytm one of the few Indian payment platforms to offer cross-border access for overseas Indians, further expanding its global footprint.

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A Playful Touch: Paytm Playback

In this more creative twist, the company has launched a feature called Paytm Playback – an odd little feature that uses your recent transactions as a base for generating AI-powered rap songs about how you spend money. The aim, Paytm says, is to make financial transactions more fun and personalised — combining fintech utility and entertainment.

Final Thoughts

The latest Paytm app redesign marks a major evolution in the platform’s journey from a simple payments app to a full-fledged AI-driven financial companion. With its cleaner UI, smarter expense tools, and integrated digital rewards, the update makes managing money not just easier but more engaging.

From AI spend summaries to digital gold incentives and NRI-friendly payments, Paytm is clearly betting on intelligent automation and personalisation to retain its dominance in India’s digital payments space—all while keeping a playful edge with features like Paytm Playback.

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