1)Buy giftcards from phonepe app and use wallet balance
2)Do mobile or utility payments via phonepe
3)buy gold from phonepe and sell it to transfer money back to bank@nominal charge.
4)goto zingoy, buy giftcards of amazon,other sites or paytm to convert in paytm cash as well as amazon pay
We will update this post soon with different methods staytune to trickyexpert