NEFT and RTGS you will do but on what basis the receiver has to take? For justification of such funds, again they are taxable. 40% to you and 30% again to pay taxes in returns. What is the use? Such people who didnt ready to use to reveal of unaccounted money in .given dates now major victims. Dont mind for my words. I really dont know how many thousands of crores you have exchanged and give back to your clients sir. sorry i cant comment without evidences. Thank you.