A lot of investors made exceptional returns of 350 - 400% ( Rally from 900 Rs. to 3,600 Rs.) in Paytm investing an year before the IPO and exiting a month prior to IPO.&nbsp; But many investors got stuck investing at higher rates. Good news for the later set of investors as Planify has changed the rating from Sell to Buy again. Good time to average. Here is a detailed Planify view of <a href="https://youtu.be/O3aDu-J5W74" target="_blank">Paytm</a> -&nbsp;