Send money to Nepal (Prabhu)
This guide takes you from a verified sender to the receipt, screen by screen.
Example used below: send ₹5,000 to Sita Kumari (Nepal) as a Bank Deposit. Use your own amounts.
Before you start
| You need | Why |
|---|---|
| A KYC Verified sender | See Sender KYC. Until then CanSendTransaction shows No |
| A receiver | See Add a receiver |
| Enough wallet balance for the amount plus the charges | The money is taken from your wallet. See Add money |
| The sender's mobile in hand | An OTP goes to the sender to approve the transfer |
| Transfers left this year | A sender can make 10 per year |
Step 1: Open the sender
- Go to Services → Remittance → Prabhu.
- Search the sender by mobile number.
- The Sender Details card shows the name, mobile, KYC: Verified, CanSendTransaction: Yes and the count, for example 2 / 10 used · 8 left.
- Under Recent Transactions you see the receivers.
Step 2: Choose the receiver and enter the amount
Tap the send icon (paper plane) on the receiver. The amount screen opens with the receiver's name, relation and Payment Mode.
- Type the amount in You Send (INR) *. Example:
5000. - They Receive (NPR) fills itself using the day's rate. You can also type the NPR amount and the app works out the INR.
- The Charge Breakdown appears:
| Line | Meaning | Example |
|---|---|---|
| Transfer Principal | The amount you send | ₹5,000.00 |
| Prabhu Service Charge | Prabhu's fee | ₹50.00 |
| Platform Service Charge / Platform Fee | Charges of your White Label | ₹0.00 |
| Final Payable | What is taken from your wallet | ₹5,050.00 |
- Tap Next.
Limits
- The smallest amount is ₹700. Below that the button says "Enter Valid Amount (Min ₹700)".
- The amount plus the Prabhu charge cannot be more than ₹50,000; otherwise the app shows "Transfer Principal and Prabhu Service Charge combined cannot exceed ₹50,000."
Step 3: Review
The Review Prabhu Transaction screen shows everything once more: the sender, the receiver (name, mobile, relation, payment mode, account), the transfer amount, the exchange rate (for example 1 INR = 1.6 NPR), the payout amount (8000 NPR) and the charge breakdown.
Check the receiver's name, account number and amounts. Check them carefully; once the transfer is sent a change may not be possible. Tap Edit Details to go back, or Send OTP to continue.
Step 4: Enter the OTP
- An OTP goes to the sender's mobile. The Verify OTP screen shows the number and a Ref number.
- Ask the sender for the code and type it. Example:
6 5 4 3 2 1. - Tap Verify.
- Resend OTP in 60s: you can ask again after the counter ends.
- Cancel stops the transfer; no money is taken.
Step 5: Transaction sent
The app shows "Transaction request was successful. Wallet debited by ₹5,050.00."
Then Transaction Details opens:
| Line | Meaning |
|---|---|
| Total debited amount | What left your wallet (-₹5,050.00) |
| SUCCESS and "Sent · waiting for receiver to collect" | The transfer is done; the receiver has not collected it yet |
| Date & Time | When it was sent |
| Transaction ID | Online Saathi's number (TXN-…) |
| Reference No | The PIN of the transfer. Keep it; the receiver may need it |
| Sub Service and Company | Bank Deposit or Cash Payment, and Prabhu |
| Payment Mode | WALLET: it was paid from your wallet |
Step 6: Download the receipt
On Transaction Details tap Print Receipt. A PDF (Prabhu_Receipt_<PIN>.pdf) is downloaded.
The receipt carries the PIN, the status, the sender, the receiver, the amount sent, the collected amount, the exchange rate, the payout in NPR, the charges, the mode of payment and the terms. Share it with the receiver or keep it. You can get it again later from My Transaction: see Receipts.
How your wallet is charged
The amount and charges are held while the transfer is in progress. When Prabhu confirms, the hold becomes a debit. If the transfer fails, the hold is released and you get everything back. If Prabhu is slow, the hold stays until it is confirmed.
Common problems
| Problem | Fix |
|---|---|
| Button says "Enter Valid Amount (Min ₹700)" | Increase the amount to ₹700 or more |
| Charges look too high | See the Charge Breakdown above; the White Label charges can differ |
| The wallet balance is lower than the Final Payable | Add money first, then send again |
| "Transaction Limit Reached" | The sender used the 10 transfers of this year, or the KYC is not Verified yet |
| OTP not coming | Check the sender's number; wait for the counter and tap Resend OTP |
| Status stays pending | Do not send again. Check My Transaction, then raise a support ticket with the Reference No |