Sending and receiving money for instant delivery

Once, it was the Postal money order.
Fill in a form, that looks like a big card, pay money to the post office, plus a small commission, money gets paid to the addressee.
It is simple and easy.Door delivery with no fuss. It still works. Many old pensioners, have opted for this route, and get their pension at home.
Catch. only Rs5000 could be sent in one transaction.

Western Union is one name used in many parts of the world, sending money is much faster. Pay money, and next instant, collect it in another part of the world.

The minimum charge for India postal money  order may be as less as Rs. 50. Western Union, might cost you to a minimum Rupees 1,500.  As far as transmissions to India are concerned, one transaction would transmit only Rs 50,000.

In India, many post offices act as agents for Western Union.

Many , money exchanges do this transmissions to banks in India. Transmission costs are bit cheaper in the sense, it could be some Rs 350 or so.

Those who receive money , will be sent a code number, or transaction number as password. The recipient, would bring in his ID papers, to ANY agent , and collect his money.

In India, a non banking Financial instiution with 4000 branches, is a good place to collect money.
They have the hardware to take your photographs, (once only, as part of  know your customer process)  and take photocopy of your ID.

A post office  will ask for your  ID original and copy. ID is for validation, and copy, they will keep.
So, if you are going to a post office, don't  forget to carry a copy of your ID.

Some stupid banks, say, they will only pay 20,000  rupees without out an account. The non banking financial institution would pay you up to Rs 50,000 without much fuss.

Few abbreviations and their meaning.

What is BTR ? If it is used by village offices ( land matters in India , are in village offices.)  it is basic tax register. 

I read it in one document and did not know where to ask.


What is  RO  and ROP  ?

Reverse Osmosis,  Release Order, Radio Officer 
Reverse Osmosis Plant
Rial Omani Payment
Remaining Order Plan  ( SAP )
Rate of penetration ( oil drilling)

What is  SAP  ?

It is a very famous IT product , systems applications and products ?

(H)    This meanse house.   Particlualarly in Kerala India.
In Kerala not every one has a surname, but a house name. House name is used as surname in most cases. and typical house name could like this.
Kollamparambil House
In many documents and addresses, in Kerala they would abbreviate the house part as  (H)

If you ever read  (H)  in part of any Kerala address, now you know.