Domestic Money Remittance is a service which allows people living in one part of India to transfer money to a bank account anywhere in the country. The money is transferred using the Immediate Payments System (IMPS) or Unified Payments Interface (UPI). The money is transferred immediately to the Beneficiary’s Bank Account. India has a population of 135 crore people living in different parts of the country. There are five metropolitan cities, hundreds of smaller cities and towns and thousands of villages. Many people from villages and towns migrate to larger cities and metros in search of jobs.They include labourers, technicians, helps, graduates and people with higher qualifications. Many of these people do not have a bank account or a smartphone, or they are unable to transfer money to their families instantaneously because of limited education.Furthermore, their family members may not have a bank account or access to an ATM.Payment systems such as the IMPS and UPI provide a seaml