Domestic Money Transfer (DMT)
Send money instantly to any bank account across India — right from your shop. Help your walk-in customers transfer funds 24×7 while earning attractive commissions on every successful transaction.
Banking at the Last Mile
A simple, secure way for unbanked and walk-in customers to send money home — through your retail counter.
Sarthi Money’s Domestic Money Transfer (DMT) service lets your shop become a trusted money-transfer point for every customer who walks in. Migrant workers, daily-wage earners, students and anyone without easy access to a bank can send funds to family or friends across India in seconds.
Powered by IMPS rails through partner banks, transfers reach the beneficiary’s account 24×7 — even on Sundays and bank holidays. As an agent, you handle the transaction in under a minute and earn commission on every send.
It’s the easiest way to add a steady, recurring income stream to your existing kirana, mobile shop, stationery or service business — without inventory, without storefront changes, without risk.
Everything You Need to Send Money Fast
Built on bank-grade infrastructure. Designed for the simplest retail counter.
Instant IMPS Transfer
Money credited to the beneficiary account within seconds, 24×7 including bank holidays.
All Banks Supported
Send to any savings or current account in India — SBI, HDFC, ICICI, Axis, PNB and more.
One-Time Sender KYC
Verify a sender once via mobile OTP — reuse the profile for all future transactions.
Bank-Grade Security
End-to-end encryption, two-factor authentication and continuous fraud monitoring.
Instant Receipt & SMS
Print or share a transaction receipt; sender and beneficiary get an SMS confirmation.
Live Dashboard
Track every transaction, settlement and commission in real time on your agent panel.
Send Money in 5 Simple Steps
The whole process takes under a minute. No paperwork, no waiting, no hassle.
Enter Sender Mobile
Add the customer’s mobile number; verify with OTP if it’s a first-time sender.
Add Beneficiary
Enter the recipient’s name, account number and IFSC. Saved for future use.
Enter Amount
Choose the amount, confirm the cash collected from the customer.
Pay from Wallet
Authorize the transfer using your agent wallet PIN or fingerprint.
Done & Earn
Money is credited instantly. Commission lands in your wallet automatically.
Why Retailers Love DMT
A high-margin, high-frequency service that turns daily foot traffic into recurring income.
- Zero inventory — no storage, no spoilage, no logistics
- Repeat customers every week, especially around payday
- Commission on every transaction — instant settlement
- Works on a basic Android phone or web dashboard
- Becomes your shop’s anchor service to upsell recharge, BBPS, AEPS
- Builds trust — you become the “banking person” of your locality
Earn Up To ₹15,000+ a Month
A typical Sarthi DMT agent processing 30–50 transactions a day earns a comfortable side-income on top of their core business.
What You Need to Become an Agent
Quick onboarding — verified and live in under 24 hours.
PAN Card
For tax compliance and KYC verification of the agent.
Aadhaar Card
For identity proof — e-KYC done digitally in minutes.
Shop Proof
GST, Udyam, Gumasta or any registered shop document.
Bank Account
A current or savings account for daily commission settlement.
Smartphone
Any Android phone — the Sarthi agent app works on basic devices.
Initial Wallet Top-up
Load any amount from ₹2,000 to start serving customers immediately.
Frequently Asked Questions
Answers to the most common questions about Sarthi’s DMT service.
