> ## Documentation Index
> Fetch the complete documentation index at: https://developer.tazapay.com/llms.txt
> Use this file to discover all available pages before exploring further.

# NRI Self-Remittance (Me-to-Me)

## Overview

Tazapay supports **C2C self-remittance (me-to-me)** payouts to India, enabling Non-Resident Indians (NRIs) to transfer funds into their own **NRO (Non-Resident Ordinary)** bank accounts via domestic bank transfer.

This flow is designed for **licensed overseas remittance companies** who collect funds from NRI customers abroad and initiate INR payouts to the customer's own Indian bank account through Tazapay.

> **Note**
>
> This guide covers the **additional requirements** specific to the self-remittance flow. All standard requirements for [creating a payout](/API-Reference/tazapay-api/payout/payout) and [setting up an entity](/API-Reference/tazapay-api/entity/entity) still apply. Ensure you are familiar with those before proceeding.

***

## Eligibility Criteria

For a payout to be processed through the self-remittance flow, **all** of the following conditions must be met — in addition to standard payout requirements:

| Condition            | Required Value                          |
| -------------------- | --------------------------------------- |
| Destination Currency | `INR`                                   |
| Payout Type          | `local`                                 |
| Purpose Code         | `PYR006` (Transfer to own account)      |
| Payout Mode          | OBO (On-Behalf-Of)                      |
| Entity Type          | `individual`                            |
| Beneficiary Type     | `individual`                            |
| Entity Name          | Must **exactly match** Beneficiary Name |

> **Important**
>
> * The sender (entity) and recipient (beneficiary) must be the **same person**. The entity name on the payout must exactly match the beneficiary name.
> * Only **Individual** entity and beneficiary types are supported. Business or corporate entities are not eligible.
> * Only **NRO** accounts are supported as destination accounts.

***

## Additional Required Fields on the Entity Object

The following fields on the Entity (ultimate remitter) object are **mandatory** for self-remittance payouts. These are in addition to the standard entity fields documented in the [Entity API reference](/API-Reference/tazapay-api/entity/entity).

Payouts missing any of these fields will not be processed through this flow.

| Field                                              | Description                       |
| -------------------------------------------------- | --------------------------------- |
| `entity.phone`                                     | Phone number of the NRI customer  |
| `entity.email`                                     | Email address of the NRI customer |
| `individual.national_identification_number.type`   | Type of identification document   |
| `individual.national_identification_number.number` | Identification document number    |

Refer to the [Entity API documentation](/API-Reference/tazapay-api/entity/entity#national_identification_number) for accepted values for each field.

> **Important**
>
> Indian KYC documents (such as Aadhaar, PAN, or Indian driving license) are **not accepted** — with the exception of an **Indian passport**, which is valid. The identification must be a non-Indian document or an Indian passport.

***

## Payout Limits

|             | Amount     |
| ----------- | ---------- |
| **Minimum** | ₹100       |
| **Maximum** | ₹50,00,000 |

***

## Remitter Name on Bank Statement

The remitter name displayed on the recipient's Indian bank statement **cannot be customised**. It will reflect Tazapay's processing partner name — not your brand name or the sender's name.

Ensure your NRI customers are informed of this upfront to avoid confusion or disputes.

***

## What Happens When Conditions Are Not Met

If any of the eligibility criteria above are not satisfied — such as a missing mandatory field, incorrect purpose code, or mismatched entity/beneficiary names — the payout will **not** be processed through the self-remittance flow. It will instead follow Tazapay's standard INR payout routing.

***

## Best Practices

* Collect **phone, email, and a valid non-Indian ID** (or Indian passport) from the NRI customer before initiating the payout
* Ensure the **entity name exactly matches the beneficiary name** — even minor differences (e.g., middle name, initials) may cause a mismatch
* Use purpose code **`PYR006`** — no other purpose code is eligible for this flow
* Set expectations with NRI customers that the **bank statement remitter name** will not reflect your brand