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Financial Inclusion

Business Correspondents

Features and Benefits

With the objective of ensuring greater financial inclusion and increasing the outreach, check the Business Correspondents here.

BC Partner State Covered Download
CSP Detail
IFMR- Rural Channels & Services Pvt Ltd  Tamilnadu PDF File
Manipal Technologies Ltd AP, Chhattisgarh, Delhi, Meghalaya, Tamilnadu, West Bengal  PDF File
Novopay Solutions Private Limited Assam, Bihar,Chhattisgarh,Gujarat,Haryana,Jharkhand,Karnataka,Kerala,Madhya Pradesh,Maharashtra,Delhi,Odisha,Rajasthan,Tamil Nadu,Uttar Pradesh,Uttarakhand,West Bengal PDF File
Sub-K Assam, Chhattisgarh, Gujarat, Haryana, Karnataka, Maharashtra, MP, Meghalaya, Mezoram, Odissa, Punjab, Rajashthan, Sikkim, Tamilnadu, West Bengal  PDF File

Remittance transactions through Business Correspondent Channel


Remitter has to do a one time registration with the Business Correspondent (BC) with his/her mobile number, name and address details.
BC maintains a remittance pool account with the bank from where the remittance transactions are initiated to the beneficiary account on the basis of the beneficiary bank account number and IFSC code provided by the remitter. Remitter walks into a BC outlet with the remittance amount along with the transaction charges in cash and hands over to the BC agent. The BC agent initiates the transaction in the BC platform which in turn is connected to the Bank's remittance (IMPS/ NEFT as per customer's requirement) engine. Remittance happens instantaneously through a debit to the BC's pool account (or in batches as per NEFT protocol) maintained with the Bank and credit to the beneficiary account. The cash collected at the BC outlet is deposited into the pool account to nullify the earlier debit.

Indicative Customer charges for remittance txn through Business Correspondent Channel.

Remittance slab Charges
Rs 100/- to Rs 5,000/- 1.5% (Min Rs 10/-)
Rs 5,001/- to Rs 10,000/- Rs 100/
Rs 10,001/- to Rs 15,000/- Rs 150/-
Rs 15,001/- to Rs 20,000/- Rs 200/-
Rs 20,001/- to Rs 25,000/- Rs 250/-
Rs 25,001/- to Rs 49,999/- Rs 250/-


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