Hello aspirant,

There is no need to open a new account on HDFC/SBI for payment of application fees.
National testing agency (NTA) provided many options for the payment of application fees. Select Debit/Credit Card/Net-banking/UPI Mode of Payment and Service Provider (Service/Processing charges per transaction & GST (applicable @18%) to be paid by the candidate) and complete the steps as instructed.

As per your question you already have an paytm account so you can choose UPI mode of payment to submit application fees.

Hope this helps!!
All the best!!

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