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Showing posts from February, 2024

Google's Image Generator Gemini faces criticism for being woke.

Google's Image Generator Gemini faces criticism for being woke. Recently Google revealed its Image generator Gemini AI which faces much criticism from people for being Woke. For those who don't know what Woke is it is a phrase used for the people who always try to be politically correct and don't want to offend anyone. One of the examples of Gemini being woke is when people asked it to generate a picture of the American founding fathers then it generated all non-whites as the founding fathers of the USA which is incorrect. One other example of its Woke nature and political correctness is - when asked about the nazi soldiers in WW2 then it shows soldiers who are of African descent as Asian. Apple Shuts Down its Autonomous Car Project. Apple has reportedly cancelled plans to build an Apple Car after working on it for 10 years pic.twitter.com/F1qQnJUSa6 — Daily Loud (@DailyLoud) February 28, 2024

Apple Shuts down its Autonomous Car Project.

Apple Shuts down its Autonomous Car Project. After a decade of research and hard work finally Apple gave up on its Autonomous Car Project. Apple was working on an autonomous car project which can drive without any human intervention but recently it closed that project and will focus more on developing Generative AI. After this decision, many employees from that project may get fired or moved to other projects like Generative AI project. In the Autonomous car industry, Tesla is the number one leader, and its software and hardware are way ahead of any other autonomous car company. After the release of SORA from OpenAI the race to develop Generative AI is in full swing and APPLE is also willing to take its share in it. Bitcoin Price is again on the Rise crossing $60,000.

Bitcoin Crossed 60 Thousand dollar mark.

Bitcoin Crossed 60 Thousand dollar mark. Bitcoin crossed the 60 thousand mark again and approached its all-time high value of 69 thousand which was back in 2021. Bitcoin is the most popular cryptocurrency today and its prices are rising again after a sharp decline in 2022 - 2023. Many countries like China and India banned it or made many regulations for its trade but countries like the USA still allow it to trade. The rise in the price of Bitcoin can be linked to the various news coming regarding the coming recession all over the world and also the wars that are going on in different parts of the world and hampering the world economy. SORA new Product from OpenAI

Vijay Shekhar Sharma Resigned from the Paytm Chairman post.

Vijay Shekhar Sharma Resigned from the Paytm Chairman post. Vijay Shekhar Sharma the chairman of Paytm Payments Bank resigned from his position before the 15th of March deadline given by RBI. Paytm is an Indian Fintech Company that provides services like Online money transfer, Utility bill payments etc, and covers around 33% market share. Recently RBI (Indian Central Bank) gave a notice to Paytm Payments Bank to shut down its services till 15th March 2024 for not following its guidelines. After Paytm banned news other apps like Phonepe and Amazon Pe gained benefits, and customers from Paytm joined them at a rapid speed. Paytm gets banned because of these reasons. #Paytm #VijayShekharSharma pic.twitter.com/Pgs6DA4TYV — NDTV (@ndtv) February 26, 2024

Geeta Koda Joined the BJP from Congress amid the General Election 2024.

Geeta Koda Joined the BJP from Congress amid the General Election 2024. Image credit - Indiatimes. One more Congress MP joined the BJP before the General Election 2024 in India. Geeta Koda Is the current MP from West Singhbhum District in Jharkhand State of India. Geeta Koda is the Wife of the former CM of Jharkhand Madhu Koda who has been jailed for corruption charges under the UPA government. Geeta Koda may be the new CM face of BJP in Jharkhand as she is a woman and also came from the backward cast which can play an important role in the coming State election of Jharkhand after the general election. Sonia Gandhi will not run for 2024 General election. #WATCH | Ranchi, Jharkhand | Geeta Koda - Congress MP from Singhbhum and wife of former CM Madhu Koda - joins the BJP in the presence of state BJP chief Babulal Marandi. pic.twitter.com/q1wP0cejdS — ANI (@ANI) February 26, 2024

New Relief for Paytm.

New Relief for Paytm.  As we all know Paytm got banned after notice from RBI (Central Bank of India) but now there are some reliefs for Paytm. Paytm is a fintech company that provides services like online money transfer, Bill payments, etc, and covers 33% market share. Recently RBI asked NPCI (National Payments Corporation of India) an Indian government company to approve the Paytm application for becoming a third-party app for online payments. Only after this approval Paytm can use its merchant service in the future other they have to get help from other banks. The actual reason why Paytm gets banned.

PhonePe launched a new App's Store in India.

PhonePe launched a new App's Store in India. Recently Phone Pe a fintech company in India launched its own Appstore named Indus for Android Smartphones. Phone Pe already made deals with many smartphone makers like Micromax and Lava to preinstall the Indus app store on their phones. Phone Pe comes with many features like no charges for publishing the app, and no commission on in-app purchases to beat Google Play store dominance in the Indian market. Many developers see this as a new opportunity to publish their apps with no money and earn more while some are worried about the market adaptation of Indus. Paytm shares are rising again.

New Cyber-attack on Indian government sites by China.

New Cyber-attack on Indian government sites by China. Recently a new cyber-attack information was revealed on various Indian Government sites by China which leaks huge data of Indian citizens. This attack was conducted by a Chinese firm named 'I-Soon' located in Shanghai which is deeply involved with the Chinese government and works mainly for it. I-Soon also attacks other countries like the USA, England, etc. The Information about this leak is shared by some anonymous account on GitHub (A code sharing platform) with various emails, Images, etc. One of the data that was hacked by this firm is the 95.2GB data of immigration data of Indian citizens and many other data related to the Indian Government. Bitcoin price again increasing, know the actual reason.

SORA the video version of ChatGPT shocks Everyone.

SORA the video version of Chat GPT shocks Everyone. Recently OpenAI revealed its new product SORA, a tool to create videos from text prompts. The videos which are generated by the SORA shock the whole world as they are so accurate and detailed as below -  video - OpenAI The videos above are so accurate that many people can't differentiate them from real videos. Many people take this as a new milestone towards future technologies but people like video editors, and animators take this as a threat to their jobs. Till now (22nd Feb 2024) it's not publicly available but soon OpenAI will launch it for everyone. Same as ChatGPT SORA may be launched in 2 versions one for free with limited functionalities and 2nd as a paid version with premium functionalities. Many people are also worried about its misuse in the elections as 2024 is the year of elections throughout the world but only time will tell how it's going to affect society and the whole world. The Indian version of ChatGPT i

Soon India will send humans to Space, Crossed a huge milestone.

Soon India will send humans to Space, Crossed a huge milestone. Recently ISRO (Indian Space Research Organisation) completed the final test of its rockets for the Gaganyaan mission. ISRO is the Indian government organisation that conducts all space-related missions for India like sending satellites to the orbits and sending missions like chandrayan3 and Mangalyaan on different planets. ISRO will send its 3 astronauts into the Space under Gaganyaan mission between 2024-25. The total cost of this mission will be only 1.1 billion dollars. Last year ISRO already completed a huge project Chandyayan3 in which it sent a rover to the moon's surface which was praised by the whole world. Elon Musk has done a new deal. Mission Gaganyaan: ISRO's CE20 cryogenic engine is now human-rated for Gaganyaan missions. Rigorous testing demonstrates the engine’s mettle. The CE20 engine identified for the first uncrewed flight LVM3 G1 also went through acceptance tests. https://t.co/qx4GGBgZPv pic

Paytm shares are again on rise.

Paytm shares are again on rise. After a disastrous dip in the share market, Paytm shares are gaining some momentum. Paytm is an Indian fintech company that provides services in online money transfer, mutual funds, bill payments, etc. After a strict announcement from RBI (Indian Central Bank), Paytm shares dropped drastically but now it's rising again gradually. The increase in the shares of Paytm may have several reasons but in my opinion below are some -  1)Partnership with Axis Bank - After the ban on Paytm payments bank all the merchants worried about their QR codes Paytm but now they can use the same as before because Paytm joined hands with Axis Bank for all of its merchant account settlements. 2)Clean chit from ED - ED is a department of the Indian government that looks into all financial activities and recently they didn't find any issue with Paytm accounts which also gave a boost in the shares of Paytm. Paytm is a big company, and it covers around 33% of the market of

Maldives's Economy is in turmoil asking for help from India.

Maldives's Economy is in turmoil asking for help from India. Soon after a huge fight with India for some silly reasons Maldives's economy is in turmoil. Some days back when the Indian Prime Minister visited Lakshadweep one of the island of India and posted pictures Maldivian Ministers posted very derogatory statements about him and ruined their relationship with India. The current Maldivian government came into power with an anti-India stance and holds very anti-India stands after winning also but now the same ministers asking Indians and the Indian government to donate $1 each to save Maldives economy. Maldivian economy is mostly dependent on tourism and India is the biggest customer for that but after the fight with India most of the Indians refused to visit Maldives and it affected Maldives revenue heavily. IMF announced soon Maldives had to take a loan from them to save their economy, so we all know the situation of their economy. Will Bharat can beat Dragon. Dear Indian

3 reasons why customers returning Apple's Vision Pro.

3 reasons why customers returning Apple's Vision Pro. Pic credit - Wikipedia We all watched the videos of Apple Vision Pro by many YouTubers, and it is way ahead of all of its rivals like META Quest 3 declared by Zuckerberg himself. But many people are returning Apple Vision Pro after using it for some time and the reasons they tell are below -  1)Battery Life - Many people face low battery life in their Vision Pro so it may take some time for Apple to solve this issue as it may be a software or hardware issue. 2)Bugs in the software - Some people complain about the bugginess in the operating system which ruins the whole experience of using Vision Pro and it may be solved with the next update. 3)Uncomfortable to wear for a long time - Although Apple made Vision Pro as comfortable as possible, but some customers complained about the discomfort while using it for a long time. This may be the issue with some specific customers so maybe Apple designs custom products for them. With a

TATA Valuation crossed Pakistan's Whole Economy.

TATA Valuation crossed Pakistan's Whole Economy. TATA group is a big organization in India who are in different sectors like Telecom, Software, and Manufacturing of different goods like Car, Salt, Trucks etc. Recently, the TATA group of companies crossed the valuation which is more than the GDP of Pakistan. In the past few years, TATA's company shares have given a great return, and its valuation has increased significantly. Currently, Pakistan's GDP is around $341 billion and TATA's market capitalization reached $365 billion. The current situation of Pakistan's economy is due to an unstable government and mismanagement of businesses by the stakeholders. There are many companies available in the TATA group that will be listed in the stock market soon and after that, their valuation may increase more.  You should know this news about Elon Musk. At $365 billion market valuations, Tata Group is now bigger than the entire Pakistan economy. pic.twitter.com/OHXGsL3sIs —

Will "Bharat Mart" Beat Chinese "Dragon Mart"?

Will "Bharat Mart" Beat Chinese "Dragon Mart"? Recently "Bharat Mart" project is inaugurated by Indian Prime Minister Narendra Modi in Dubai, a direct rival of the Chinese "Dragon Mart". Bharat Mart will be a Marketplace for all Indian sellers who want to sell their products to UAE and other countries of the world. Bharat Mart will be operational from 2025 while Chinese Dragon Mart will be operational from 2015. So, we can say that China is 10 years ahead of India in this field. As the Chinese economy is in constant turmoil and India's economy is in constant increase India may beat China in this field soon. Bharat Mart will also be available in online avatars where you can see all available items and purchase them from there. As we all know, Dubai is a big trade center for all countries, so it has been chosen to open the "Bharat Mart" of India. Read more. #WATCH | PM Modi inaugurates 'Bharat Mart', a warehousing facility,

Axis Bank saved Paytm.

Axis Bank saved Paytm. As we all know Paytm Payment Bank was banned by RBI after 29 Feb 2024 which extended till 15th March, but Axis Bank came to the rescue of Paytm. Before this ban, all QR payments of the Paytm merchants were done by the Paytm payments bank but now Axis Bank has done a deal with Paytm to process all its payments through merchants QR. Paytm is a big player in India's online payment revolution so any impact on it will affect a big portion of India's population. Paytm payments bank was banned by RBI (India's central bank) for the misconduct of its rules and regulations. Read more.

Bitcoin Price is again on the rise crossed $50000(Here is the reason).

Bitcoin Price is again on the rise crossed $50000(Here is the reason). On Feb 18 Bitcoin prices crossed the $50000 mark and it's gaining momentum again after a sharp drop in price after the Covid period. Reasons for the price rise of Bitcoin now may be several like continuous news about the recession in the global market which already started in Japan and Germany. The second reason for this may be the elections that are happening all over the world in 2024 more than 50% of countries going through their general election including the USA and India which are giant economies. One more reason for the price rise in bitcoin may be the several wars that directly or indirectly involved all countries of the world and people are finding ways to secure their assets and bitcoin is a good option for them. With all the above points many people think Bitcoin will become the future asset for the world, but many disagree with this. Read more.

Paytm deadline extended till 15 March.

Paytm deadline extended till 15 March. Recently RBI announced the ban on Paytm payments bank services after 29th Feb 2024 but now RBI extended this deadline by 15 days and now you can use Paytm bank services till 15th March 2024. Paytm got this ban because of not following RBI guidelines and allowing many illegal activities like allowing multiple accounts on a single PAN number etc. Paytm's other services like Paytm QR codes available on merchants will work the same as before but they have to link their QR code with any other bank like Axis Bank, SBI, etc. Customers can't deposit any more money after 15th March but if you have some money left in your bank account or wallet then you can use it after 15th March also. Read more.

Sonia Gandhi will not participate in 2024 Election.

Sonia Gandhi will not participate in 2024 Election. Sonia Gandhi will not take part in the 2024 General Election as she will be in Rajya Sabha from 2024. Recently Sonia Gandhi announced to participation in Rajya Sabha and as per Indian law, she can't be part MP election of 2024. Sonia Gandhi has been MP from Raebareli U.P for 2 decades and after Sonia Gandhi her daughter Priyanka Gandhi may participate from Raebareli. Many people from the BJP marking this as the fear of defeat that made Sonia Gandhi remove her name from the MP election. India will be in its General Election in May 2024 in which Modi's BJP is the favorite among all parties. Read more.

Bitcoin Price again reached $49000.

Bitcoin Price again reached $49000. Bitcoin price again surpasses the $49000 mark in the month of February 2024. After a big drop in the price of Bitcoin after COVID-19 again it gained momentum in its price. Bitcoin is a decentralized cryptocurrency working on the principle of Blockchain and gained popularity before covid period. Many countries like China, and India banned Bitcoin but countries like Ecuador and Venezuela use it for most of the payments. So, opinions on Bitcoin are divided among different countries. Countries who ban Bitcoin give reasons like an unregulated way of its working which can be used by unethical practices and terrorist activities. Countries using Bitcoin use its decentralized behavior which can't be controlled by any organization and country like in the case of the dollar. Read more.

New Deal Between Elon Musk and WWE.

New Deal Between Elon Musk and WWE. Elon Musk' X made a new deal with the WWE for its new show which will be broadcast on X soon. After buying Twitter Elon Musk made many drastic changes from charging for blue tick to changing entirely the name of Twitter to X. This new deal is also a step toward making new revenue sources for X showing that it's not depending on a single source of income. Many people think that this deal will open new doors for X to make money and sustain an incredible platform like X. Read more.

Top 5 places to visit in Jhansi in 2024.

Top 5 places to visit in Jhansi in 2024. Jhansi is a central location in India and is a historical place. If you go to Jhansi, then below 5 places you must visit -  1)Jhansi Fort  2)Orchha fort  3)Datia fort 4)Rani Laxmi bai garden  5)Rani Laxmi bai museum 

Top 3 Hindi comedy serials you must watch on YouTube in 2024 for free.

Top 3 Hindi comedy serials you must watch on YouTube in 2024 for free. There are many Hindi comedy serials available on YouTube but below are among the best that you can watch in 2024 -  1)F.I.R - F.I.R was telecasted on Sab TV, but you can watch it on several channels on YouTube, and it's one of the funniest serials in Hindi. 2)Bhabhi ji Ghar par Hai - It was telecasted on &TV, and you can watch it on &TV YouTube channel for free. 3)Lapataganj - Lapataganj was telecasted on sab TV, and you can watch it on several YouTube channels for free.

Civil War situation in Pakistan.

Civil War situation in Pakistan. After the declaration of the Election result in Pakistan a civil war situation was created as Imran Khan's PTI was ready to protest against the result. As Imran Khan's party banned from election all its members participated as independent candidates and a total of 99 seats were won by them which is the largest among all other parties. After all these situations Pakistan army asks all parties to accept the result and show maturity towards others. In this Election Pakistan's army-backed Nawaz Sharif but most of the people chooses Imran khan which may end up in a civil war in Pakistan.

Unique idea Red Bull used to promote its energy drinks.

Unique idea Red Bull used to promote its energy drink. Red Bull is a well-known brand now and its energy drink is famous all over the world it covers 43% of the cold drink market behind Coca-Cola and Pepsi. Red Bull is an Austrian brand that started in 1987 although it's popular now when it was first launched no one was buying it even not when given free to customers. So Red Bull management comes with unique ideas and starts throwing empty cans of Red Bull in public places and dustbins where people can see it. After some time when people see Red Bull cans all over the place then they think of it as a popular cold drink and start trying it. Although this was a marketing trick, Red Bull created its brand by delivering quality products to its customers after that. feel free to share some of the similar stories from other bands in the comment section. Read more.

Can we say Wipro/Infosys as the MacDonalds of India?

Can we say Wipro/Infosys as the MacDonalds of India? Yes, as we know in the USA McDonald's pays the minimum wage as the salary to its employees and their total business model is based on this, similarly in India IT companies like Infosys/Wipro pay 3-4 LPA to their freshers and salary growth rate is also very slow there. Many people ask why the salary of Infosys/Wipro never increased in the last 10-15 years and the reason for that is their whole business model is based on the salary of their employees and they don't want any specific talent in freshers same as MacDonalds. Infosys/Wipro being a service-based company whole business model is to get high payments from their clients for one employee and pay as little as possible to their employees and for many freshers who don't have any specific skills in their bucket 3-4 LPA is still good salary to start in 2024. I hope I have given the answer to why the salary of Infosys/Wipro has never increased in the last 10-15 years. Read

Top 3 ways to get freelancing clients as an IT Professional?

Top 3 ways to get freelancing clients as an IT Professional? As an IT Professional if you are willing to get some freelancing work then getting clients is one of the trickiest tasks and with my experience in freelancing for 2 years I can say that you will get clients mostly by below 3 ways only -  1)Personal Connections - If you worked in any company in the past and have some connections there then many times your colleagues ask you for some help in their projects and if you have good knowledge in your domain then they can refer you to their connections also. 2)LinkedIn - If you are active on LinkedIn and posting content related to your domain then many people who are in your connection or follow you can approach you if need your help. 3)Freelancing Portals - Freelancing portals like Upwork and Freelancer can also help you to get freelancing clients, but the only downside is to frequently check for work and apply for them. Above all are my personal opinions on getting freelancing cl

Are IITs overhyped?

Are IITs overhyped? No, if you want the best technical education at the cheapest rate. Yes, if you think everyone who went into IIT will become Sundar Pichai. IITs are among the top technical institutions in India and are also famous all over the world because of their alumni like Sundar Pichai, Narayan Murti etc. In India, if someone has to join IIT then they have to clear a highly competitive exam (IIT JEE) after their 12th grade to get into Btech courses in streams like Computer Science, Mechanical, Electrical, etc. Every year around 10 lakh students attempt to get into IITs but only 10K-12K students get admission which can tell about the level of competition. In 2024 many students who got huge packages from companies like Google, Meta, and Microsoft left their jobs and started their own startups which means now students don't go to IITs only to get jobs but also start their own companies. Read more.

Which are the highest-paid jobs in India?

Which are the highest-paid jobs in India? 1)Software Developers - In 2024 India will be one of the IT hubs of the world and many IT giants like Google, Microsoft, and SAP have their offices here which gives huge packages to their employees some companies may give its fresher 30-40 lakhs per annum of package. 2)CA (Chartered Accountant) - CA is also one of the highest-paid jobs in India and it's an ever-green job as India is developing at a very rapid speed and more and more people entering into income tax slabs which creates opportunities for CAs. 3)Doctors (Medical) - After COVID-19 more and more people are taking their health seriously and taking recommendations from doctors which helps increase doctor's earnings. 4)Cricketers - I know many of you think cricket is not a regular job and only a handful of people are playing and earning from it but after IPL cricket gained tremendous popularity in India and many small tournaments were organized in every city which gives a kin

Which is the best language to learn data structure in 2024?

Which is the best language to learn data structure in 2024? If you are new to programming or just want to learn data structure to go in a product-based company in 2024 the best programming language to learn is Python and the reasons for this are below -  1)Easy Learning curve - if you are new to programming then Python should be the best choice for you as Python comes with the simplest syntax as compared to another programming language. 2)Helpful in Data Related roles - In 2024 the most attractive jobs are all related to data handling like data analyst, data scientist, data engineer, etc. and Python will be helpful in all of these roles. 3)Abundance of resources - In 2024 python is the most popular programming language so you will get many YouTube channels, and blogs specifically uploading content related to it and it helps you in your learning journey. 4)More Jobs in Python - In 2024 most of the jobs are related to data roles and you will have an additional edge as compared to oth

Does frequently switching companies in the IT industry affect career growth?

Does frequently switching companies in the IT industry affect career growth? Changing companies frequently comes with both positive and negative aspects like - Positive Aspect - 1)Salary Boost - The biggest benefit of changing companies frequently is in salary boost as every new company gives you a minimum 20-30% hike in your salary. 2)Diverse skills - Changing companies frequently also exposes you to new technologies and you learn those and gain knowledge of a diverse field. 3)More Network - Changing companies also give you more connections in the industries with different Kinds of people which helps you in a long-range career. Negative Aspects - 1)Unreliable image - Changing companies creates your image as an unreliable person to others and maybe you lose some long-term projects as people think you will leave them in the middle. 2)No expertise in anything - Changing companies frequently also makes you knowledgeable in a vast range of technologies but you will not be an expert in

What are the advantages of the Indian education system?

What are the advantages of the Indian education system? The Indian Education system is the only one that gets praised outside India but gets criticism inside India. Below are some major advantages of the Indian Education system which is praised all over the world -  1) World-class Institutions in Technical Study - IITs (Indian Institute of Technology) are among the top institutions of the world for technical studies and produce many people like Sunder Pichai, Narayan Murti, etc. who achieve huge success in their lives. 2)Selection on Merits - All prestigious Institutions like IITs, IIMSs, and NITs get admission after a rigorous selection process so we can say that all students get equal opportunities and only those who are best among them get selected. 3)English as Medium of education - All or most education Institutions use English as a medium of study which helps its students to compete on a global stage as we all know that English is a global language in 2024. 4)Best Ecosystem fo

Paytm gets banned for these 4 reasons.

Paytm gets banned for these 4 reasons. With the recent order of RBI many features like Paytm bank, Paytm wallet, and the fast tag will be stopped from 29th Feb but what makes RBI take this huge step knowingly that Paytm plays a major role in Indian digital payment with 30% of market share. Below are those 4 reasons that have been leaked by an insider either from Paytm or a government organization -  1)Didn't do KYC of lakhs of customers - RBI found out Paytm didn't do KYC of lakhs of customers and opened their savings account which is a direct violation of RBI guidelines. 2)Thousands of accounts opened with single PAN numbers - RBI found out that thousands of savings accounts get opened with a single PAN number which is scary for many customers as maybe their data gets used to open other accounts also which is a big crime. 3)Paytm bank shared details of customers with parent company One97 communication - As per RBI guidelines if you are a Payment bank then you should not shar

Which is better for your career growth - Tableau or Power BI?

Which is better for your career growth - Tableau or Power BI? No One. No technology is bad or good it is good when it's required and it's bad when it's not required. Let me explain why - If you are willing to come into the IT industry then you can't choose one thing over the other. You have to learn everything as per your needs. Many people think today that PHP is an outdated language but in the real world, you may have to work on PHP on your next project or company. So, you can't pick one technology over the other. Now in the same way if you are going to join a company as a data analyst, data engineer, or data scientist you may work on Powerbi or Tabluea because many companies use Powerbi and some use Tabluea. So, if you have to sustain yourself in the IT industry then you have to be ready to learn any technology as per requirement. No technology is bad or good it is good when it's required and it's bad when it's not required. Read more.

Paytm will shut Down on 29 Feb (Remove your money as soon as possible).

Paytm will shut Down on 29 Feb (Remove your money as soon as possible). As per the new Ruling from RBI Paytm will stop working from 29th Feb 2024. Today most people in India use Paytm for different services like UPI payment, Mobile Recharge, Electricity bill payment, etc. Many people also use Paytm Bank for their banking services but from the 29th of Feb, all these services will stop working so withdraw your money as soon as possible. For many months RBI has been monitoring Paytm and found many loopholes in Paytm company. RBI also asked Paytm to show its shareholder details, but Paytm failed to do so. There are speculations about Chinese money invested in Paytm via 3rd party which was banned by RBI in the past. Read more.