There's no worry about Change in Money

Even if we dont have changes in coins. We dont have to bother if we have paytm
We can get the accurate change through paytm payment. If we have a bill of 75.57. We will get the remaining paisas. Basically its a smaller amount. But if we saves money likes this, after a long time. It will be a big savings. If we pay by liquid cash the merchant or vendor round off the amount and gives us the remaining money.
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