How to do Digi Khata Money Transfer transaction?

What is Digi Khata Money Transfer?

The Digi Khata Domestic Money Transfer service allows users to transfer money to any bank account in India. It is a convenient and secure way to send money, especially for those who may not have access to traditional banking services.

1. Start Digi Khata Money Transfer

Step 1: Select Digi Khata Money Transfer

• Click Money Transfer
• Select Digi Khata

Step 2: Enter the Customer’s Mobile Number

• Type the customer’s 10-digit mobile number
• Click Proceed

2. Register First Time Customer

Step 1: For first time customers, complete customer’s Details

• Input the customer’s Full Name (exactly as per Aadhaar)

• Verify OTP received on customer’s mobile number

• Enter the 12-digit Aadhaar number of customer (no spaces or dashes)

• Enter the OTP received on customer’s number for Aadhaar verification

• Verify Customer’s PAN number by entering customer’s 10-digit PAN number (no spaces)

• Click Submit to complete registration

3. Add Recipient

Step 1: Add Recipient

• Registered Customer should enter their mobile number and verify OTP
• Click Add Recipient on the transfer screen

Step 2: Fill in Recipient Details

• Recipient’s Full Name (as per bank records)
• Bank Account Number (mandatory)
• IFSC Code (optional depending on customer’s bank policies.)

• Add recipient details (Name and Mobile number)

• Click Proceed to save

4. Transfer Money

Step 1: Enter Transfer Details

• Select the added recipient(s) from the list

• Enter the Amount to be transferred (e.g., 1000)
• Choose IMPS or NEFT
  • If IMPS is available, select it for instant transfer.
• Click Proceed

Step 2: Final OTP Verification for Transaction

• Enter the new OTP received on the customer’s mobile number
• Enter the secret pin of the retailer
• Click on Proceed to finalize the transaction

Step 3: Transaction Confirmation

• Verify the receipt details (recipient name, account number, amount)
• Share the receipt with the customer

5. Key Points to Remember

1. Ensure the customer’s mobile number entered is linked to the customer’s Aadhaar card and PAN card.
2. An OTP is sent to the Aadhaar-registered mobile number after entering Aadhaar details.
3. The individual whose Aadhaar details are provided must personally complete the biometric verification process.
4. The maximum allowable transaction limit for Domestic Money Transfer transactions registered under a single mobile number with Digi Khata is ₹50,000 per month.
5. For Digi Khata Money Transfer, customers may transfer up to ₹50,000 in a single transaction. This limit is defined by DigiKhata.

6. Error Messages and Their Explanation

1. Error: “OTP already sent to 9346045046, please wait for minimum 1 minutes before requesting new OTP.”
   • Explanation: OTP has already been generated. Please wait at least 1 minute before requesting another to avoid being blocked.
2. Error: “OTP attempts exhausted. Please try again after 15 min.”
   • Explanation: Maximum OTP attempts have been reached. You must wait for 15 minutes before trying again.
3. Error: “Sorry! Customer number is not allowed to use Money Transfer service due to suspected…”
   • Explanation: The customer’s number may have been flagged due to suspicious or unauthorized activity. Contact support for resolution.
4. Error: “Sorry! Aadhaar number and biometric scan did not match. Please try again. Please clean device surface. Inform customer to clean hands or try different finger.”
   • Explanation: Biometric verification failed. Clean the device scanner and the customer’s finger, or use a different finger for scanning.
5. Error: “Sorry! Customer registration has failed as DOB must be 18 years older and less than 100.”
   • Explanation: Registration failed due to invalid age. The customer must be between 18 and 100 years old.