More than an SMS app, seems like a comprehensive passbook(for all Bank accounts and credit cards)+Wallet equivalent(from iOS) for all train/bus/flight/movie bookings.
Overall the experience is amazing. Ux is simple and UI is neat and beautiful.
One suggestion is if OTP could be auto deleted.
An additional valuable feature could be cloud backup for sms but I am sure the team would have that on roadmap somewhere.
A great feature could be a desktop app similar to imessage which can significantly improve the off-device experience.
Further interactive when u need it. For e.g. check PNR status right from sms
And ya amazing simplistic yet powerfull UX. Great job guys