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NEFT, IMPS, and RTGS through our agent network and branch counters — for cash deposits, bulk payouts, and tier-2 / tier-3 last-mile that an app can’t help with.
Bring rupee notes to the counter, send INR onward. The combination most apps can't help with.
Send to up to two hundred beneficiaries from a single CSV upload — payroll, vendors, dividends.
₹2L per IMPS, ₹10L per NEFT, no upper limit via RTGS. UPI tops out at ₹1L.
Last-mile cash payout in tier-2 and tier-3 cities where doorstep delivery doesn't run.
The RBI runs three domestic settlement rails. We connect to all three — and pick the cheapest one that meets your time-and-amount requirement.
National Electronic Funds Transfer
Settled in half-hourly batches between 00:30 and 19:00 IST on every working day. The standard for most non-urgent transfers under ten lakh.
Best for
Bulk payouts, vendor settlements.
Immediate Payment Service
Instant, 24×7, including bank holidays. The fastest rail when a beneficiary needs cash today.
Best for
Urgent personal transfers.
Real Time Gross Settlement
Real-time, large-value, no upper ceiling. Used by businesses for vendor and salary payments above the IMPS / NEFT ceilings.
Best for
High-value business settlements.
For most domestic transfers, UPI on your bank’s own app is the right answer. We come in when UPI can’t — these are the only four times that’s true.
Walk into a branch with rupee notes, walk out with an IMPS reference. No KYC theatre, no UPI app fumbling, no ATM-deposit-machine queues.
A small-business owner depositing weekly takings to a vendor.
Upload a CSV of up to two hundred beneficiary accounts. We settle each transfer individually and email a single reconciliation file at the end.
A start-up running its monthly payroll without enterprise banking.
Send rupees to one of our 6,500+ agent locations across India; the beneficiary collects in cash with a one-time-password from any agent.
Sending pension or maintenance to a parent in a town without your bank's branch.
Branch counters operate Mon–Sat including post-business hours. RTGS available without the ₹2L IMPS or ₹1L UPI cap.
Last-minute property registration deposit on a Saturday evening.
Where our seven branches don’t reach, our vetted distributor network does. Each agent is paper-certified, audited quarterly, and connected to our settlement engine in real time.
Bangalore, Mysuru, Mangalore, Chennai, Madurai, Coimbatore, Kochi, Hyderabad, Vijayawada · plus 80 tier-3 towns.
Mumbai, Pune, Nashik, Ahmedabad, Surat, Vadodara, Indore, Bhopal · plus 60 tier-3 towns.
Delhi NCR, Jaipur, Chandigarh, Lucknow, Kanpur, Dehradun, Amritsar · plus 90 tier-3 towns.
Kolkata, Patna, Bhubaneswar, Guwahati, Siliguri, Ranchi · plus 40 tier-3 towns.
Quarterly KYC + ledger audit
All states & UTs except A&N
From counter receipt to credit
A shorter list than the other chapters — domestic transfer is, mostly, a simple product.
+91 80 4148 0020For the four cases that warrant a human, a counter, and a printed receipt. Walk into a branch or upload your batch — we’ll handle the rest.