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How is the fund transferred through this service?

Fund transfer is initiated by the Oxigen e-Paisa agent, after which the system would first check if the bank of beneficiary accepts the transfer via IMPS. If yes, then the transfer is made via IMPS and customer would get an instant confirmation of the transaction on SMS and if not, then the request would be placed via NEFT and the customer would get the confirmation on SMS depending on the NEFT cycle.