How can we transfer money from paytm wallet to bank without any charges?

Paytm wallet is India s largest payment gateway app.

Paytm wallet is giving limit 1lakh to use wallet transaction we can add 1lakh and we can pay anywhere where paytm is accepted.

Some time s we don't needs after adding money to payment wallet.after adding money if we want to transfer money to our bank there are charging 5%.  In paytm wallet app.

1.Method

There is one method to transfer money to bank without any charges we all need only 

One merchant account (business account) or nown people who(merchant) is have already have a business account. 

We can also create a business account with valid need details by providing in business app.

In that app when customer pays money they will directly to there bank account next day.

If we have a business account we can get payment to our bank account. we will get settled money next day after  customer paying money.