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Free DMT — Money Transfer

Domestic money transfer over IMPS. The remitter is verified by OTP once, which yields a sender_token used for beneficiary and transfer calls.

Base: /ext/v1/dmt Permission: transfer Wallet: AEPS Per transfer (current): ₹100 – ₹50,000 Daily / beneficiary (current): ₹2,00,000 Idempotency: client_reference on /transfer Banks: selected only — see /banks
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Free DMT works with selected banks only

This is not a universal IMPS rail. Each bank is switched on individually by an operator, and at present only a handful are — so most IFSCs are refused. Start your integration at GET /ext/v1/dmt/banks and let your user pick from that list; POST /beneficiary/add rejects anything else with 422 BANK_NOT_SUPPORTED, before a rupee moves.

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Read the limits, don't hard-code them

The per-transfer range and the per-beneficiary daily limit are set by the operator and can change without a version bump. GET /ext/v1/dmt/balance returns the values in force right now (min_transfer, max_transfer, daily_limit_per_beneficiary) — validate against those rather than the figures printed above.

Integration flow

1
/banks
Read the banks Free DMT is enabled for.
2
/sender/check
Send OTP to the remitter mobile.
3
/sender/verify-otp
Verify OTP, receive sender_token (30 min).
4
/beneficiary/add
Add the destination bank account.
5
/transfer
Initiate the IMPS transfer with TPIN.
6
/transfer/{id}
Poll until the transfer settles.

Endpoints

Sender (Remitter)

POST /ext/v1/dmt/sender/check Send an OTP to the remitter mobile POST /ext/v1/dmt/sender/verify-otp Verify the OTP and receive a sender_token POST /ext/v1/dmt/sender/register Enrol a new remitter (when action = register) GET /ext/v1/dmt/sender/{mobile} Remitter profile and saved beneficiaries

Supported Banks

GET /ext/v1/dmt/banks The banks Free DMT can transfer to

Beneficiary

POST /ext/v1/dmt/beneficiary/verify Penny-drop — fetch the true account holder name POST /ext/v1/dmt/beneficiary/add Save a bank account against the remitter DELETE /ext/v1/dmt/beneficiary/{id} Remove a saved beneficiary

Transfer

POST /ext/v1/dmt/transfer Initiate an IMPS transfer GET /ext/v1/dmt/transfer/{request_id} Poll a single transfer GET /ext/v1/dmt/transfer/by-client-reference/{client_reference} Look up a transfer by your own idempotency key GET /ext/v1/dmt/transactions Paginated transfer history

Balance & Charges

POST /ext/v1/dmt/charges Preview the charge before transferring GET /ext/v1/dmt/balance AEPS wallet balance and transfer limits
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Account Balance
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Send Sender OTP