Money in Paytm is a sort of loss
This is because no interest is paid in the money on wallets.
However Bhim app is comparatively better as amount is stored in bank and we get interest for the same.
Recently they have started something of a Paytm bank account. We need to register and open a bank account, then we may perhaps get interest. But again this is lengthy job. So comparatively Bhim app is better option.