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Domestic Money Transfer API

RBI & NPCI Regulated

India's Fastest
Domestic Money
Transfer API

Enable instant bank-to-bank transfers for your customers using NTS Digital Hub's secure DMT API. IMPS, NEFT & RTGS — all in one integration, available 24×7, 365 days a year.

Get DMT API Access Contact Us
₹2L+
Daily Limit
IMPS
24×7 Transfer
100+
Banks Supported
5 Sec
Avg Transfer Time
Domestic Money Transfer API
Instant IMPS Transfer in < 5 seconds
100% Secure RBI Compliant API
DMT Network Stats

Send Money Anywhere
Across India

IMPS / NEFT / RTGS all modes

Aadhaar & Account-based Transfer

Real-time transaction status

100+

Banks

24/7

Availability

₹2L

Daily Limit

99%

Success Rate

Simple Process

How Domestic Money
Transfer Works

Send money to any bank account in India in just 4 simple steps — no branch visits, no delays.

01
Register Sender

Verify sender's mobile number with OTP and register them on the platform.

02
Add Beneficiary

Enter recipient's bank account number and IFSC code to add beneficiary.

03
Enter Amount

Enter the transfer amount and select IMPS, NEFT, or RTGS mode.

04
Transfer Done

Instant confirmation with receipt — money credited within seconds.

Platform Features

Everything You Need in
One DMT API Solution

Our Domestic Money Transfer API is built for retailers, CSC operators, and fintech businesses who need a reliable, fast, and compliant money transfer platform.

Instant IMPS Transfers

Transfer money 24×7 including weekends and bank holidays using IMPS with settlements in under 5 seconds.

Aadhaar-Based Transfer

Enable money transfer using Aadhaar number linked to the sender's bank account — no card or account number needed.

Bank Account Verification

Real-time penny-drop account verification API to confirm beneficiary account details before initiating transfer.

Transaction History

Complete audit trail with downloadable transaction reports, status logs, and instant receipt generation.

Single Wallet Integration

Unified wallet for DMT, recharge, BBPS, and all other services — one balance, unlimited services.

RBI & NPCI Compliant

Fully compliant with RBI guidelines and NPCI network standards with two-factor authentication on every transaction.

Transfer Modes

Three Powerful Modes
of Money Transfer

Choose the right transfer mode for every transaction — instant, scheduled, or high-value.

Most Popular

IMPS

Immediate Payment Service — the fastest way to send money anytime, any day, including holidays.

Transfer Time: Instant (under 5 sec)
Min Amount: ₹1
Max Per Txn: ₹2,00,000
Availability: 24×7, 365 Days
Settlement: Real-time
High Volume

NEFT

National Electronic Funds Transfer — ideal for scheduled and bulk transfers with no upper cap.

Transfer Time: 30 min – 2 hrs
Min Amount: ₹1
Max Per Txn: No Limit
Availability: 24×7 (online)
Settlement: Batch-based
High Value

RTGS

Real-Time Gross Settlement — designed for large-value transfers that require immediate, gross settlement.

Transfer Time: Instant
Min Amount: ₹2,00,000
Max Per Txn: No Limit
Availability: 24×7 (online)
Settlement: Real-time Gross
Transaction Limits

DMT Limit Structure
for Agents & Retailers

Clear and transparent transaction limits designed to support high-volume retail environments.

Parameter IMPS NEFT RTGS
Minimum Transfer ₹1 ₹1 ₹2,00,000
Maximum Per Transaction ₹2,00,000 No Limit No Limit
Daily Limit (per sender) ₹2,00,000 ₹10,00,000 ₹50,00,000
Monthly Limit (per sender) ₹25,000 ₹1,00,000 ₹5,00,000
KYC Required OTP Only Full KYC Full KYC
Weekend / Holiday Available Available Available
Confirmation Receipt Instant SMS Instant SMS Instant SMS

Important Notes

Limits are per sender per day. Multiple senders can be registered under one retailer ID.

Min-KYC senders: ₹25,000/month. Full-KYC senders: ₹1,00,000/month limit.

All transactions are logged and auditable. Instant receipts via SMS and API response.

Refunds for failed transactions are processed within 24–48 hours to the wallet.

Why Choose NTS DMT

Benefits That Give
Your Business an Edge

Built for high-volume retail environments, our DMT API is trusted by 1000+ agents across India.

01
Earn Commission on Every Transfer

Attractive per-transaction commission structure — the more you transfer, the more you earn. No cap on daily commissions.

02
Zero Integration Hassle

Plug-and-play REST API with full documentation, sandbox environment, and sample code in PHP, Python & Java.

03
Automatic Refund on Failure

Failed transactions are automatically reversed to the agent wallet within 24 hours — zero manual follow-up needed.

04
Dedicated Merchant Dashboard

Real-time dashboard showing all transactions, wallet balance, commission earned, and downloadable reports.

99%
Transaction Success

Industry-best success rate on all DMT transactions via our platform.

5s
Avg IMPS Speed

Money reaches the beneficiary account in under 5 seconds on IMPS.

100+
Banks Supported

Full coverage of all major and regional banks across India.

1K+
Active Agents

Trusted by over 1000 active retail agents and CSC operators.

API Reference

Complete DMT
API Endpoints

Well-documented REST API endpoints covering the entire money transfer flow — from sender registration to final confirmation.

  • POST /register-sender
    Sender Registration

    Register a new sender with mobile number OTP verification for DMT transactions.

  • POST /verify-account
    Bank Account Verification

    Penny-drop verification to confirm beneficiary account number and IFSC are valid.

  • POST /add-beneficiary
    Add Beneficiary

    Add and manage beneficiaries with bank account, IFSC, and name details.

  • POST /transfer
    Initiate Transfer

    Send money via IMPS, NEFT, or RTGS with amount, mode, and beneficiary ID.

  • GET /txn-status
    Transaction Status

    Check real-time status of any transaction using the transaction reference ID.

  • POST /refund
    Refund / Reversal

    Initiate refund for failed or disputed transactions back to the wallet balance.

POST /transfer — Sample Request 
{
  "api_key": "YOUR_API_KEY",
  "sender_mobile": "9876543210",
  "beneficiary_id": "BEN_123",
  "amount": 5000,
  "mode": "IMPS",
  "remarks": "Family transfer"
}
Sample Response
{
  "status": "SUCCESS",
  "txn_id": "NTS20240610XXXX",
  "rrn": "412345678901",
  "message": "Transfer successful",
  "balance": 12500.00
}
Supported Banks (100+)
SBI HDFC ICICI Axis PNB Kotak BOB Canara Union Yes Bank IDBI + 90 more
Get Started Today

Start Sending Money
with NTS DMT API

Join 1000+ active agents already earning with NTS Digital Hub's money transfer platform. Go live in under 24 hours.

Call Us

0177-3136871

Email Us

info@ntsdigitalhub.com

WhatsApp

+91 94187 22050

Working Hours

Mon – Sat, 9:00 AM – 6:00 PM

Regulated by
RBI
Network
NPCI
Certified
CSC
Secured
SSL

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