Problems with voice calls on Jio 4GVoLTE.

I was using Coolpad Mega 2.5D since Oct 2016 on Jio 4G network. Voice calls used to work through Jio4GVoice app. Since the update dated 27th Jan 2017 of Jio4GVoice app is asking me to use the phone dialer since this is VoLTE phone but it is very difficult to use the phone dialer for making voice calls. It does not connect unless I disable and re-enable the enhanced 4G LTE mode in network settings.

Cashless Transactions since Nov 8 2016

I was already using paytm since Feb 2015 for Mobile Recharge then in Oct 2015 I did online shopping on it. In Jan 2016 I paid first electricity bill on it. During the year 2016 I used freecharge or paytm for payment of electricity bill. Then Mother Dairy introduced paytm on milk booths and I was first customer using paytm on nearby Mother Dairy Booth. I had also used Debit and Credit cards for online transactions and shopping for many years.
In short I was fully ready for cashless transactions when old currency was banned on Nov 8 2016. I happily used paytm or credit card wherever acceptable.
I grabbed UPI ID userid@icici when it was offered by ICICI Bank and ready for UPI Transactions.
I downloaded BHIM android app and got mobileno@upi ID also.
This worked very well for ICICI Bank.
My other Bank Account is in BOB but I was not using Mobile Banking on it since the registered mobile no was on ordinary mobile phone.
I tried *99# service on this phone by got Transaction declined message. I called their 1800223344 no and after waiting for long I could talk to customer care person and he told me to activate mobile banking through their ATM. I did it through Net Banking and got m-pin. After 4 hours I could use *99# system on ordinary mobile phone and could transfer money through it to my ICICI Bank.
I am now looking forward to use BHIM app on my smart phone and *99# on ordinary phone for online and offline shopping instead of paytm.