Do I Ought to add beneficiary for making payments ? No, It's not at all mandatory to incorporate a beneficiary for making payment. You may make usage of 'Rapid Pay back' attribute for payments upto 50K per day to any unsaved account by coming into their lender particulars only In https://www.dailypioneer.com/2025/page1/india-rejects-arbitration-ruling-on-iwt.html