There are various scenarios where sending money to family, relatives, friends or others can be a daunting activity. Especially in semi-urban or rural areas where bank branches are far away, and many citizens do not have any smart phones to facilitate money transfer. Many citizens are still unbanked; therefore, it becomes difficult for them to send money to family or friends etc. MAXIMUS PAYRAKAM is the product which facilitates peer to peer money transfer and citizens can reply on this product f