Your phone must be equipped with all sort of useful softwares.i.e.,Dictionary, Converters, Mathematical Graph Graph to Bluetooth Hacking Software.Make sure all is working properly & Useful.
If you a SBI (state Bank of India) customer,Install a "
SBI freedom" software in your phone.It provides user fund transfer,pay bills...etc.but Most useful tool is as you know ! mobile Top-up for any network.
It will help You & your friends a lot.You can transfer funds to another bank accounts.without going to bank.
A
lso Register For SBT Online Banking.
If you are traveling by train, Definitely Register in IRCTC .It will make train journeys covenant.
If you have Facebook account,register for Facebook Mobile.If you have net connectivity it is a good thing.Even if you don't have a multimedia phone,you can still update your status and receive notifications of messages, wall posts, comments and more - all on your mobile with messages.