Services DMT

DMT Domestic Money Transfer

Enable instant cash to bank account transfers for your customers. Serve migrant workers and underbanked populations with reliable money transfer services.

Instant IMPS Transfers
All Banks Supported
High Commission
Start DMT Business Talk to Sales
What is DMT?

Cash to Bank Account Transfers

Domestic Money Transfer (DMT) is a digital remittance service that allows customers to send money from cash to any bank account in India. It primarily serves migrant workers, daily wage earners, and unbanked individuals who need to send money to their families.

As a DMT agent, you accept cash from the sender and instantly transfer the amount to the recipient's bank account using IMPS, NEFT, or RTGS. The recipient receives the money within seconds, and you earn commission on every transaction.

Who Uses DMT?

  • Migrant workers sending money home
  • Daily wage earners
  • Customers without smartphones
  • People without bank accounts
  • Small business payments
Transfer Methods

IMPS, NEFT & RTGS Support

Multiple transfer modes for different needs

Most Used

IMPS

Immediate Payment Service

Speed Instant (Real time)
Availability 24x7x365
Limit Up to Rs. 5 Lakhs

Best for urgent transfers. Money reaches recipient's account within seconds, any time of day.

NEFT

National Electronic Funds Transfer

Speed 30 min batches
Availability 24x7x365
Limit No upper limit

Suitable for larger amounts. Processed in half hourly batches throughout the day.

RTGS

Real Time Gross Settlement

Speed Real time
Availability 7 AM to 6 PM
Minimum Rs. 2 Lakhs

For high value transfers above Rs. 2 lakhs. Real time settlement for large amounts.

Simple Process

How DMT Works

1

Customer Visits

Customer comes with cash and beneficiary bank details (account number, IFSC code)

2

Register & Verify

Register customer using mobile number and verify via OTP (one time process)

3

Initiate Transfer

Enter beneficiary details and amount. Collect cash from customer

4

Instant Credit

Money transferred instantly via IMPS. Both sender and receiver get SMS confirmation

Transaction Limits

Know the RBI Guidelines

Customer Type Per Transaction Monthly Limit KYC Required
Walk in Customer Rs. 5,000 Rs. 25,000 Basic (Mobile OTP)
Registered Customer Rs. 25,000 Rs. 1,00,000 Minimum KYC
Full KYC Customer Rs. 50,000+ Higher limits Full KYC

* Limits as per RBI guidelines effective November 2024. Self certified OVD required for all transactions.

KYC Requirements

RBI Compliant Documentation

Valid ID Proof (OVD)

Any officially valid document: Aadhaar, PAN, Voter ID, Passport, or Driving License

Mobile Verification

OTP verification on registered mobile number for every transaction (AFA)

Beneficiary Details

Complete beneficiary name and address must be captured and included in transaction

Earning Potential

High Commission Business

DMT is one of the highest commission generating services for agents. With the large migrant population in India, demand for money transfer is consistent throughout the year.

Rs. 50K - 1L Monthly earning potential
0.5% - 1% Commission per transfer
Recurring Customer base

Why DMT is Profitable

  • Regular customers (monthly transfers)
  • High transaction volumes
  • Peak during festivals and harvests
  • Word of mouth referrals
  • Cross sell other services
Why Choose Us

Rupiyo DMT Advantages

Instant Transfers

Money reaches beneficiary account within seconds via IMPS. Real time confirmation for peace of mind.

All Banks Supported

Transfer to any bank account in India. SBI, HDFC, ICICI, regional banks, cooperative banks, all covered.

100% Secure

Bank grade encryption. OTP verification on every transaction. Complete audit trail maintained.

Easy Reconciliation

Real time transaction reports. Easy tracking of all transfers with unique reference numbers.

24x7 Service

IMPS works round the clock. Serve customers even on holidays and late evenings.

Success Rate 99%+

Industry leading success rates. Minimal failed transactions mean happy customers and smooth operations.

Start Your DMT Business Today

Join thousands of agents earning through money transfer services. Quick setup, high commissions.

Become a Partner Contact Sales
Explore More

Other Services

AEPS
Micro ATM
BBPS
UPI
CMS