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If sending ₹0, the amount that will go to fees is ₹0 and the recipient will receive ₹0. That's 0% going to fees, effectively.

* Using custom fee rate of 4.4% + ₹0.3

To receive ₹0, a payment of ₹0 should be sent. ₹n/a will go to fees. That's 0% in fees, effectively.

* Using custom fee rate of 4.4% + ₹0.3