Key points
- RBI ne 11 November 2026 ko Domestic Money Transfer (DMT) Directions, 2026 jaari kiye, jo turant lagu ho gaye.
- Bina bank account wale vyakti ko cash pay-out: ₹10,000 prati transaction, ek beneficiary ko mahine mein ₹25,000 tak.
- Branch par walk-in customer NEFT se kisi ke bank account mein ₹50,000 tak cash bhej sakta hai.
- BC agent ya ATM se cash bhejne ki seema ₹5,000 prati transaction aur ₹25,000 prati mahina; har transaction par extra authentication zaroori.
Reserve Bank of India (RBI) ne chhoti rakam ke paise ek jagah se doosri jagah bhejne ki suvidha, yaani Domestic Money Transfer (DMT), ke liye naye consolidated niyam jaari kiye hain. Ye “Reserve Bank of India (Domestic Money Transfer) Directions, 2026” naam se 11 November 2026 ko aaye (reference RBI/DPSS/2026-27/476) aur notification ke anusaar turant prabhavi hain. Inka sabse zyada fayda un logon ko hai jo bank branch, banking correspondent (BC) agent ya ATM ke zariye cash dekar paise bhejte hain, jaise doosre shehar mein kaam karne wale log jo ghar paise bhejte hain.
RBI ne in directions mein purane do circulars ko milaakar ek jagah kar diya hai: 5 October 2011 ka DMT relaxations circular aur 24 July 2024 ka DMT framework review circular. Ye dono ab repeal ho gaye hain aur unke niyam naye directions mein shaamil hain. News reports ke mutabik cash ki mukhya limits pehle jaisi hi rakhi gayi hain.
Kitna paisa, kis tareeke se bheja ja sakta hai
Directions mein do tarah ki suvidha ka zikr hai. “Cash pay-out” ka matlab hai bank account se paise bhejna aur unhe aise vyakti ko cash mein dena jiska bank account nahi hai. “Cash pay-in” ka matlab hai bhejne wala cash jama karata hai aur paise paane wale ke bank account mein jaate hain. Limits is tarah hain:
| Suvidha | Seema |
|---|---|
| Cash pay-out (bina account wale beneficiary ko cash) | ₹10,000 prati transaction; ek beneficiary ko mahine mein max ₹25,000 |
| Walk-in customer, bank branch se NEFT | ₹50,000 tak, beneficiary ke bank account mein |
| BC agent, ATM ya isi tarah ke channel se cash pay-in | ₹5,000 prati transaction; ek remitter ke liye mahine mein max ₹25,000 |
Cash pay-out ke maamle mein paise bhejne wale bank ko beneficiary ka naam aur pata record karna hoga. Ye paise ATM, BC agent ya kisi aur authorised payment channel se diye ja sakte hain.
Registration, suraksha aur charges
- BC/ATM jaise channel se paise bhejne wale vyakti (remitter) ka registration verified mobile number aur self-certified Officially Valid Document (jaise KYC mein maanya document) ke aadhar par hoga.
- Har transaction par Additional Factor of Authentication (AFA) zaroori hai, yaani password ke alawa ek aur tareeke se pehchaan ki pushti.
- IMPS ya NEFT message mein bhejne wale ki details aur ye nishaan hoga ki transfer cash se kiya gaya hai.
- Banks ko account mein paise aane par customer ko alert bhejna hoga aur achanak bahut zyada credits aane par turant jaanch karni hogi.
- Cash jama karne par Income-tax Act, 2025 ke cash deposit se jude niyam bhi lagu rahenge.
- Banks aur authorised non-bank sansthaayein is service ke liye “reasonable” charge le sakti hain; RBI ne koi ek fixed fee tay nahi ki hai. Apne bank ya agent se charge pehle pooch lein.
Card-to-card transfer is framework ke daayre mein nahi aata; uske liye alag niyam lagu rehte hain. Transfer real-time ya uske kareeb hone chahiye, aur banks ke beech settlement sirf RBI dwara approved payment systems se hoga.
Aam logon ke liye kya matlab hai
Agar aap kisi agent ya ATM se paise bhejte hain to ek baar mein ₹5,000 se zyada nahi bhej payenge aur mahine ki kul seema ₹25,000 hai. Badi rakam bhejni ho to bank branch par NEFT ka vikalp (₹50,000 tak) ya apna bank account khulwakar UPI/NEFT/IMPS istemal karna zyada suvidhajanak ho sakta hai. Agent ko apna OTP ya PIN kabhi na batayein aur har transaction ki receipt zaroor lein.
Shikayat hone par pehle apne bank ya service provider ke grievance system mein complaint karein. Directions ke anusaar ye maamle Reserve Bank Integrated Ombudsman Scheme, 2026 ke daayre mein bhi aate hain. Bank ke charges ka hisaab lagane ya bachat ki planning ke liye hamara FD Calculator bhi dekh sakte hain.
Sources:
- RBI Notification – Reserve Bank of India (Domestic Money Transfer) Directions, 2026 (11 November 2026)
- Business Today – RBI domestic money transfer rules (12 November 2026)
- TaxGuru – RBI Domestic Money Transfer Directions, 2026
Ye jaankari sirf shiksha aur jaankari ke liye hai, financial ya legal advice nahi.
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