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Paytm Payments Bank becoming the first bank to offer cash backs on deposits. Customers will also be offered zero charges on all online transactions and no minimum balance requirement. The Payments Bank plans to roll out 31 branches and 3,000 customer service points in the first year. For savings accounts, it will offer an interest of 4 percent per annum. It will also offer current accounts to its millions of merchants.

Khan Abdul Ghaffar Khan

When atoms react they do so in order to reach the lowest energy, which is the most stable. The electrons orbitals will overlap in the way that reduces the energy the most. Orbitals of similar energy will produce the greatest stabilisation.The answer you gave isn't the whole story, it depends what species is reacting with what. The effective nuclear charge on the atom will affect the energy of the valance electrons.

Hence, the reactivity of an atom arises from the existence of unpaired electrons in the valence shell.