You will get the Paytm personal loan online transferred to your preferred bank account that you choose during the loan application. The Enach for EMI repayment has to be set up from the same account and the EMI be deducted from the same bank account after the loan is active. If you could not set up the Enach from your preferred account due to any issue, you can try after some time or select an alternate bank account. Enach is mandatory to get an instant personal loan in Paytm.