Right Now Only Chargeable Ways are Available.
Another option is Full KYC PayZapp Wallet.
PayZapp wallet will charge, net 2.95%
For Paytm try with Different Accounts.
For Paytm minimum charge is 2.95% for Loading Via Prepaid Cards and Varies on the Basis of usage Pattern
Which Prepaid Card is it ?
Kotak Spendz ?