Paytm UPI was the best option for me and now I'm using Bhim which is much more complicated. Paytm had its own bank and it was easy to add and withdraw money which is not offered by other UPI alternatives.
You should use Gpay or Phonepe which kind of having similar feature but they don't call themselves as bank because the maximum amount you can add is upto 2000/4000 Rupees and it can be helpful for making small UPI transaction especially one who uses government sector bank where we often face server down errors and money debited but not credited to the beneficiary.
Pay with UPI Lite on Google PayMake payments of up to ₹500 INR without the use of a UPI PIN on the Google Pay app.
No fees.
No KYC required.
Maximum balance is ₹2,000 INR. You can spend up to a total of ₹4,000 INR within 24 hours.
No charges for money transfer and account closing.