By becoming a full KYC verified customer, you can get rid of the ₹10,000 monthly limit. Additionally, you will get the following benefits. The amount of money you can hold in your wallet gets upgraded from ₹10,000 to ₹1, 00,000 No spending limit. You become eligible to open Paytm Payments Bank Account (provided PAN details are also provided). No for starting there or four times you will not charge for transactions. As per company policies.