Hdfc foreign outward remittance time. Follow these 5 simple steps & send money overseas.

Hdfc foreign outward remittance time SI 202 Remittances by foreign embassies in India Transfers (13) S1301 Remittance by non-residents towards family maintenance and savings S1302 Remittance towards personal gifts and donations S1303 Remittance towards donations to religious and charitable institutions abroad S1304 Remittance towards grants and donations to other governments Feb 18, 2021 · An Outward Remittance is a process of transferring money in the form of foreign exchange, by a resident in a particular country, for instance, say India, to a beneficiary who is located outside the other country (except for Nepal and Bhutan) for any purpose and that is been approved under the Foreign Exchange Management Act (FEMA). Transfer)^RTGS (Real Time Transfer)^]Internationally Examples for education remittances from 1 July 2023: Education remittance from loan take in India is say, 10L. Choosing the best bank for outward remittance in India is very important. The Full Value Remittance facility ensures your beneficiary abroad receives the entire amount without any foreign bank charges*. Foreign Portfolio Investments S0001 Indian Portfolio investment abroad – in equity shares S0002 Indian Portfolio investment abroad – in debt instruments S0009 Repatriation of Foreign Portfolio Investment made by overseas Investors in India – in equity shares RBI List of Purpose Codes - Outward Remittance / Forex Sale Transactions 13. Why You Need It : FIRC is required to claim benefits under the Foreign Trade Policy or for tax compliance. xlsx Author: A45558 Created Date: 1/15/2025 9:26:34 AM RemitNow is a secure online Foreign Outward Remittance platform provided by HDFC Bank, which enables you to transfer money globally from the comfort of your home and office. Though most of the banks do not ask to fill out Form A2, Canara Bank Forex card makes it mandatory to fill out the Form A2 at the time of reloading. Benefits of HDFC Bank Remittance Services. Overview of FEMA Enacted in 1999, FEMA replaced the Foreign Exchange Regulation Act (FERA), shifting the focus from stringent controls to proactive regulation and facilitation of external Foreign Outward Remittance through Net Banking FAQs Q1. I had a word with Kotak sales guy. Revised TCS rates applicable from 1 st October 2023- HDFC Bank offers the best netbanking services and offers for its customers. Q8. HDFC and ICICI's FX rates are atrocious. Through HDFC QuickRemit: QuickRemit is an online money transfer service by HDFC Bank which can be used to transfer money from Australia to India. Accept Terms & Conditions and Enter HDFC Bank Net Banking Password to authorise account debit. Start by choosing a bank, check the fees, read all information, fill up the form & Check if the money is received. To Other Account; To Own Account; UPI (Instant Mobile Money Transfer) IMPS (Immediate Payment 24 * 7) RTGS (Available 24 * 7) NEFT (Available 24 * 7) Not sure about foreign remittance specifically, but in general, CAs suggest not using savings account for business purposes - use current account, freelance being a sole propreitorship business here. Know More Pay tuition fees to 2300+ universities online Money Transfer. Inward remittance are credited in less than 24 hours. 10L-7L=3L will be taxed at 0. What are the time lines for processing foreign currency outward remittance under this facility? Requests submitted before 2. onlinesbi. Under the Liberalized Remittance Scheme (LRS), residents can remit up to USD 250,000. 4) For all CAD remittances –Bank code and Transit No. 13. Nov 8, 2024 · This helps document the foreign currency transaction per RBI guidelines. Dec 28, 2023 · Also Read: Do you know how international bank transfers are different from remittances? Check out this blog and know about the differences between Bank Transfers and Bank Remittances. HDFC Bank Ltd. HDFC Bank Credit Card Bill Payment; RemitNow Foreign Outward Remittance; Remittance (International Money Transfers ) RTGS (Real Time Gross Settlement) is the S0303 Travel for pilgrimage S1405 Remittance towards interest payment by ADs on their own account (to VOSTRO a/c holders or the OD on NOSTRO a/c. 27. ) S0304 Travel for medical treatment S1408 Remittance of profit by FDI enterprises in India (by branches of foreign companies including bank branches) HDFC Bank Form Center - Download various forms online for all the Financial Products & services offered by India's leading Bank HDFC Bank. Remittances for purchase of FCCBs issued by Indian companies in the overseas secondary market. Using Remittance Services and Forex Cards Wise/transferWise is fast, makes the process extremely simple & has better conversion rates than banks, but they also have a substantial fee (>10k if you are sending lakhs at a time). Click on ‘Funds transfer’ Click on ‘Foreign outward remittance’ Money Transfer. You can access RemitNow through HDFC’s NetBanking, which makes it easy and convenient for existing account holders. What is your experience with other banks in terms of getting foreign remittances and FIRC? Any recommendations/thoughts are greatly appreciated. Customers can have easy international fund transfers with competitive rates and a user-friendly interface that ensures uniformity. In accordance with Reserve Bank of India's circular no. Eligibility Criteria for Forex Plus Card. Online Tracker & Email Updates. One reason might be for auditing purposes to keep personal and business expenses separate - although this might not be very relevant for sole owner. I hereby declare that all Foreign Exchange transactions, as may be entrusted by me/us to the HDFC Bank from time to time, will be in strict conformity with provisions of the Foreign Exchange Management Act 1999. HSBC was the worst of them all. 00 PM - Processed same day Requests submitted after 2. Q) Who can avail of the Full Value Individual Remittance facility? A) Only when you send money to a personal account (Personal Outward Remittance) is it eligible for the Full Value Individual Remittance facility. The remitter of this facility are requested to read and confirm their acceptance of the same before proceeding to use this facility – Oct 1, 2023 · We would like to inform you of the revised TCS rates (as per the Finance Act, 2023) on Forex drawls/ remittances by Resident Individuals under Liberalised Remittance Scheme (LRS) effective from 1 October 2023, which is as under. I hereby declare that all Foreign Exchange transactions, as may be entrusted by me/us to the HDFC Bank from time to time, will be in strict conformity with provisions of the Foreign Exchange Management Act, 1999. Aug 31, 2024 · Remittance is one of the most common words when talking about international financial transactions. Jul 25, 2024 · Are you planning to do your foreign remittance from India? RemitNow, the online foreign outward remittance portal of HDFC Bank is a dynamic platform to consider. / installment etc. Send Personalized Messages. Open your EEFC Account today! Exchange Earners Foreign Currency Account Eligibility - Find here the eligibility criteria to open Exchange Earners Foreign Currency Account at HDFC Bank. 12. Superior Exchange Rates. Keep tabs on exchange rates every now and then to transact smoothly, efficiently and in a timely manner. Pdf link - https://drive. -----Disclaimer :- some conte The document is a Form A2 used for applications related to remittances abroad, detailing the necessary information required from the applicant, including personal details, foreign exchange requirements, and purpose codes for various payment categories. 10. Dec 23, 2024 · Here's how to remit money from India with HDFC NetBanking: Access your HDFC NetBanking Account - either online or from the HDFC App. We offer a wide range of remittance solutions to send, receive and carry money across borders through several online and physical modes. Whether paying for imports, investing abroad, or managing services, transferring money efficiently matters. Money Transfer. Requests submitted after 2. Follow these 5 simple steps & send money overseas. Remittance towards Investments abroad (both listed and unlisted shares of an overseas company); Set up Joint Ventures (JV) / Wholly Owned Subsidiaries (WOS) by individuals outside India for bona-fide business activities outside India (with effect from August 5, 2013)- Refer all these cases to your nearest Trade desk only ; 1. This article delves into the critical aspects of FEMA guidelines governing inward and outward remittances and their implications on multinational operations. sbi in USD,GBP,EUR,AUD,SGD, CAD,AED,NZD. RemitNow is a secure online Foreign Outward Remittance platform provided by HDFC Bank, which enables you to transfer money globally from the comfort of your home and office. Now send money abroad, and smiles too. Here’s how you can add a beneficiary to your NetBanking account & start transferring funds to them within 24 hours. The above investment does not fall under the category of Overseas Direct Investment requiring Feb 15, 2024 · Outward Remittances. I further declare that said transactions, as and when initiated, shall not involve, and shall 1) For all GBP remittances - 6 Digits SORT code of Beneficiary Bank in UK is required. Jan 6, 2025 · Tax Collected at Source: The Finance Act, 2020 has introduced new Income tax provisions on Foreign Exchange transactions under Liberalised Remittance Scheme (LRS), effective October 1, 2020. Education remittance from any source other than loan taken in India is say, 10L. It’s especially important for businesses and freelancers. What documents are required for outward foreign remittance and money exchange? Nov 19, 2024 · The Foreign Inward Remittance Certificate (FIRC) is an official document that serves as proof of foreign currency received in India. 28. The charges for sending money would be decided by HDFC Bank from time to time in accordance to guidelines from NPCI. RemitNow Foreign Outward Remittance; 35 months) and 4 years and 7 months (i. e. RemitNow Foreign Outward Remittance; Remittance Find out the charges applicable on Remittance Payment done through internet banking or mobile banking offered by HDFC Bank. It means to send money as a payment or as a gift across borders. You are required to read and accept the Terms and Conditions before proceeding to use this facility. Anytime, anywhere. , _____Branch Dear Sir / Madam, Request for Outward Remittance from my NRO Account. 2) For all EUR remittances – IBAN No. 2. Sending foreign outward remittance is now as easy as transferring funds via RTGS/NEFT. I had money stuck with them twice for more than a month each time. HDFC Bank’s outward remittance service is reliable and convenient for individuals and organizations to transfer money internationally. 11. This should be available under Money Transfer on NetBanking or on the home screen on the HDFC App. To Other Account; To Own Account; UPI (Instant Mobile Money Transfer) IMPS (Immediate Payment 24 * 7) RTGS (Available 24 * 7) NEFT (Available 24 * 7) (for payments other than imports and remittances covering intermediary trade) Application for FCY Cash / FCY DD/ Outward Remittance I/We, _____ request HDFC Bank Limited to issue me/us foreign currency notes/ demand draft/ outward remittance as per details below. You can make transfers in over 26 currencies including USD, AUD, CAD etc. You get superior exchange rates and also direct credit to the beneficiary’s HDFC account in INR or to accounts in other bank. Also Read: Check here all about IDBI Education Loan Repayment Plan. Remittance for trading in foreign exchange abroad. Then I tried Wise, XE and Remitly. Foreign/Forex Exchange Services: If you need to deal in foreign currency HDFC Bank has a range of We offer a wide range of remittance solutions to send, receive and carry money across borders through several online and physical modes. Send money Instantly with HDFC Bank's Online Money Transfer Service. Go to 'Add Payee' to add the beneficiary. 00 PM - Processed next working day *(Saturdays, Sundays and Maharashtra Bank Holidays are non-working days for foreign exchange transactions) So I recently realized my current bank HDFC is not offering great foreign exchange rates (even though I am a preferred customer (Imperia). The expected time to complete the transfer is 24 working hours; however, we recommend you check with your bank. FEMA replaced the earlier Foreign Exchange Regulation Act or FERA, which was more stringent, in the wake of economic reforms introduced in the Indian economy in the early nineties. Outward remittance from these accounts is easier due to less red tape. QuickRemit comes with several benefits. Nov 25, 2022 · About This Video :-This is a You tube video on how to receive foreign money in HDFC Bank online process. 6. Here is a comparison of the latest top banks charges for sending money abroad. The Full Value Remittance facility for your Trade Outward remittance will. The process of remittance will be completed within 24-48 banking hours; You can also settle all the inward remittances through the corporate net banking services. . This shall be applicable for all remittances done by a Resident individual. It is completely secure and you enjoy one of the best exchange rates. Your global trade business will always benefit from our best-in-class exchange rates, vast correspondent banking network, access in 22 currencies, and Full Value Remittance proposition, where you don’t need to pay for any foreign bank charges. Open HDFC Bank Exchange Earners Foreign Currency (EEFC) Account in 12 currencies & retain foreign exchange in the currency you earn it in. Jun 12, 2024 · Some of the common documents required for foreign outward remittances are a copy of your passport, a copy of your visa or visa approval letter, an admission letter from the foreign institution, and the A2 form (application cum declaration form for purchase of foreign exchange) while applying for outward remittance. For students, remittance requires documents such as an admission offer, fee Foreign/Forex Exchange Services: If you need to deal in foreign currency HDFC Bank has a range of products and services that you can choose from like transfer money to India, make payments etc. See full list on wise. 5% (Rs 15000). Jan 2, 2025 · Tax Collected at Source: The Finance Act, 2020 has introduced new Income tax provisions on Foreign Exchange transactions under Liberalised Remittance Scheme (LRS), effective October 1, 2020. HDFC Bank provides FullValue Remittance services through which you can send money abroad without any foreign bank charges. SEBI certificate P0011 Repayment of loans extended to Non-Residents Approval from outward remittance/ RBI liaisoning desk P0012 This is a "Export Earners Foreign Currency" EEFC, account. Processing Time - The request for foreign outward remittance submitted through this facility will be checked and processed by HDFC Bank at the earliest but may take up to the end of next working day for foreign exchange transactions ('working day' as per FEDAI rules). However, fees per transaction differ depending on the bank. Customer should choose only one AUTHORISED dealer (Bank) at a time to avail the facility of repatriate/transfer to NRE within USD 1 million limit. To Other Account; To Own Account; UPI (Instant Mobile Money Transfer) IMPS (Immediate Payment 24 * 7) RTGS (Available 24 * 7) NEFT (Available 24 * 7) Sep 8, 2024 · Remittance Outward – Up to USD 500 or equivalent ₹500 + applicable taxes – Above USD 500 or equivalent ₹1,000 + applicable taxes: Remittance Inward: No Charge: Other Foreign Exchange Transactions: FCY Cash – Selling: No Charge: FCY Cash – Encashing: No Charge: FCY Demand Drafts – Issuance – Up to USD 500 or equivalent ₹200 Nov 8, 2023 · Reference Number: 232932022176776 Third Party Funds Transfer - Foreign Outward Remittance STEP STEP STEP From Account 59109811895040 Beneficiary Name Hamstead Campus Limited Beneficiary Address United Kingdom Country UNITED KINGDOM Currency GBP Beneficiary Bank Name Royal Bank of Scotland Beneficiary Account No 11268390 SWIFT code of May 17, 2024 · It means that as per the RBI rules, one can transfer of money up to USD 250,000 per calendar year for defined purposes. Enter the payee details of the bank outside India. Payment Mode 1) For all GBP remittances - 6 Digits SORT code of Beneficiary Bank in UK is required. RemitNow can be accessed by HDFC account holders on their HDFC NetBanking website or mobile app. Enjoy many exciting offers from time to time like airport lounge access, and discounts on hotels and dining. With HDFC Bank's IndiaLink, send money conveniently to India from Africa. , Branch Dear Sir / Madam, Request for Outward Remittance from my NRO Account. Investment will be subject to LRS limit as prescribed under Liberalized Remittance Scheme. Also be aware of the fees levied for maintenance. Self* *Will be collected after the remittance is affected. prohibited or restricted under Foreign Exchange Management Act, 1999. What are the time-lines for processing foreign currency outward remittance under this facility? Requests submitted before 2. ) A. _____ for _____ (Foreign Currency & Amount) If remittance is to be made is less than invoice value, reasons therefor :( part rem. Aug 29, 2022 · This is what is foreign outward remittance HDFC means. 3. Nov 25, 2021 · Visit your bank branch in India where you hold the NRO account. Easy, secure and quick facility of remitting funds to India & get credited within 2 hours. 15. 1) For all GBP remittances - 6 Digits SORT code of Beneficiary Bank in UK is required. You can open it with any bank provided you have non INR receipts. 14. Read on to find the Foreign Portfolio Investments S0001 Indian Portfolio investment abroad – in equity shares S0002 Indian Portfolio investment abroad – in debt instruments S0009 Repatriation of Foreign Portfolio Investment made by overseas Investors in India – in equity shares RBI List of Purpose Codes - Outward Remittance / Forex Sale Transactions Foreign Portfolio Investment (FPI) made by overseas Investors in India in equity shares SEBI certificate P0010 Foreign Portfolio Investment (FPI) made by overseas Investors in India in debt Instruments. to issue me/us foreign currency notes /demand draft / outward remittance as per details below. get Foreign Currency - HDFC Bank's foreign currency cash service will allow you to get cash in 20 global currencies & make your foreign trips easy & secure. 00 PM - Processed same day. *Will be collected after the remittance is affected. Know more about terms & conditions, charges & other requirements to apply for Savings Account. Inform the bank staff that you want to make an outward remittance to your Bank of Scotland account. You will be redirected to Flywire Page confirming your transaction request being placed and will receive subsequent communication on your registered Email ID on payment being processed. So maybe you might not have seen it in your Form 26AS (tax credit statement). of Beneficiary is mandatory 3) For all AUD remittances - 6 digit BSB No. The foreign entity is engaged in non-financial activities. Now remittances from India are much easier and faster through our Fxout platform. RemitNow is a secure online Foreign Outward Remittance platform provided by HDFC Bank, which enables you to transfer money globally from the comfort of your home and office. Remittance from India for margins or margin calls to overseas exchanges / overseas counterparty. Remittance of interest income on funds held in non-resident special rupee a/c schemes. I may have made mistakes in the above points. HDFC(and I assume most other banks) has a outward remittance scheme which is more process heavy, has poorer conversion rate but seem to have lower fees, unless I For making outward remittance have booked the FX conversion rate @ _____ wish to utilize the forward contract no. To apply for your HDFC Bank Forex Plus Card, you must fulfil these eligibility requirements: You must be a resident of India. Nov 17, 2023 · If you are a Resident Indian looking to send money abroad, HDFC has the RemitNow service. To Other Account; To Own Account; UPI (Instant Mobile Money Transfer) IMPS (Immediate Payment 24 * 7) RTGS (Available 24 * 7) NEFT (Available 24 * 7) The Foreign Exchange Management Act (FEMA) is a law enacted by the Government of India in 1999 to control this flow of foreign currency across Indian borders. ‍ The right bank helps you save time, avoid fees, and keep things smooth. Foreign Outward Remittance through Net Banking Terms and Conditions The facility of Foreign Outward Remittance through Net Banking being offered by PNB Bank Limited is subject to the following terms and conditions. Read more to transfer funds online at HDFC Bank! 1) For all GBP remittances - 6 Digits SORT code of Beneficiary Bank in UK is required. It is mandatory to have NRO account with HDFC Bank to avail the facility of outward remittance within USD 1 million limit. Nov 22, 2024 · Both Inward and Outward remittance services are available at ICICI Bank. I switched to IOB solely for better rates and was pleasantly surprised by the service. Are you looking to send money to an entity abroad, without the deduction of any foreign bank charges, then look no more? With HDFC Bank, you can avail of that facility now. You must be at least 12 years old. RemitNow Foreign Outward Remittance. Remittance From India. You can pick your cash from the nearest bank. Ways to remit money abroad from India via HDFC Bank Title: Updated Form A2_Non-Editable - April'22 Author: umesh sananse Created Date: 5/25/2022 5:24:10 PM Aug 27, 2024 · RemitNow Foreign Outward Remittance; RemitNow2India (Foreign Inward Remittance) Remittance (International Money Transfers ) Religious Offering's & Donation; Forex Services for students; Pay your overseas education fees with Flywire; ESOP Remittances; Visa CardPay; Cards. Available at all SBI branches in USD,GBP,EUR,AUD,SGD,CAD, AED,NZD and 89 miscellaneous currencies. IDFC FIRST Bank offers outward remittance service to any beneficiary’s account globally. A. What is Outward Remittance? An Outward Remittance is a transfer of money in foreign exchange, by a resident in India or an NRI to a beneficiary situated within or outside the country (except for Nepal and Bhutan) for a purpose as approved under FEMA (Foreign Exchange Management Act). Non INR fund can be retained for a max of 2 mths. May 17, 2024 · It means that as per the RBI rules, one can transfer of money up to USD 250,000 per calendar year for defined purposes. Quickremit is an Online Remittance Facility from HDFC Bank to send money from USA, UK, Europe & Singapore to India. You must hold valid Indian / OCI As per Finance Act 2023, all outward remittances transactions under the Liberalized Remittance Scheme (L₹) are subject to new Tax Collected at Source (TCS) rates. They will provide you with the necessary forms to fill out. The branch manager and staff have discretionary authority so, they can actually help in the rare instance where there is a problem. IMPS funds transfer can be done from NetBanking and MobileBanking Apps IMPS service is used to transfer funds within INDIA with denominations of INR only. However, processing of transaction will not be possible on Saturdays, Sundays and Maharashtra Bank Holidays. google. (DIR Series) Circular No. Q22. Jan 10, 2025 · Scheduled Maintenance Dates: - 10th January 2025, 10:00 PM to 11th January 2025 02:00 AM IST (4 hours) Unavailable Services During Maintenance: - Add/Modify/Delete Payee- Outside India, Foreign Outward Remittance, NRE & FCNR Repatriation Transactions These guidelines include the rules for foreign remittance, outlining the documents needed for international money transfer, such as the CA certificate format for foreign remittance, and documents required for foreign currency exchange in India. The major and common problem with all of them was the remittance time and the rate. The FEMA (Foreign Exchange Management Act) guidelines regulate outward remittance from India to ensure compliance with foreign exchange laws. com Details of Nostro Accounts for sending Outward Remittance: For details of Nostro arrangement for outward payments, please get in touch with your nearby Branch, Trade Finance Barnch, Relationship manager : The SWIFT CODE of HDFC Bank : HDFCINBB Correspondent Bank Account Name : HDFC BANK LTD MUMBAI. com Foreign Outward Remittance request through RemitNow can be made 24x7. However, remittances are not necessarily overseas transfers of funds but can be domestic too. Complete the application form for outward remittance. Sep 8, 2024 · Hello Everyone, In today's video we will see how to accept inward remittance in hdfc bank online through netbanking. , 55 They take their sweet time to file thier tcs returns. P. You've Been Logged Out For security reasons, we have logged you out of HDFC Bank NetBanking. Foreign National Residing in India 2000 (Notification No. Title: Card rates base file revised_NEW with SOFR (3). Hence, you can skip the tiring bank visits and long queues. There are two types of foreign remittance– inward and outward. I have used HBSC, ICICI and HDFC in the past. Send money abroad using our FullValue Remittance proposition, where you do not have to pay for any foreign bank charges and your beneficiary receives complete value of funds remitted. of Beneficiary Bank is required. Usually for my other bank accounts, the markup and gst on the markup is separately shown. Here are the steps to send money with RemitNow: Log into NetBanking. Get home loans at the lowest interest rate from NoBroker and avoid hefty paperwork Know about your monthly and get exclusive offers on Home Loans at NoBroker! HDFC foreign outward remittance: You can transfer any foreign currency approved by HDFC within 72 hours after giving the instruction. You’d have to shell out 20% of 10L=2L as tax. Credit Cards; Debit Cards; Prepaid Cards; Forex Cards; Millennia Cards (for payments other than imports and remittances covering intermediary trade) Application for FCY Cash / FCY DD/ Outward Remittance I/We, _____ request HDFC Bank Limited to issue me/us foreign currency notes/ demand draft/ outward remittance as per details below. Service is good in all of them. For Advance Remittance: 1. And it's funny and frustrating at the same time, the time they take to resolve and issue relating to such policies. for Beneficiary Bank is required. 12 dated 31st of July 2012, the balances outstanding in all EEFC / Diamond Dollar Account (DDA) and RFC (D) accounts as on last day of a Current month, shall be converted into Rupees by the Bank on the last working day of the succeeding month, if such balance is not utilised by the account holder before the Outward remittance is essential for Indian businesses involved in international trade. They have better rates than these banks too. ** Beneficiary will receive the amount after deduction of Correspondent Bank Charges. While you save on the conversion charges, you can still get sc** on the wire transfer (SWIFT) costs. Dec 9, 2024 · FEMA Guidelines for Outward Remittance. It is also available to all Retail Internet Banking(INB) users through www. Make online donations to a host of charitable institutions in India. FEMA 25/ (for payments other than imports and remittances covering intermediary trade) Application for FCY Cash / FCY DD/ Outward Remittance I/We, _____ request HDFC Bank Ltd. Keep reading to know more! With HDFC Bank's worldwide coverage, deposit your foreign currency cheques, DDs & TCs in your account, which are available for collection in 20 foreign currencies. Prevent any reconciliation issues that may arise as a result of the deduction of foreign bank charges From providing services – Outward remittance for Employers & Employee, Inward remittance facility for receiving ESOP redemption proceeds, to Regulatory Reporting, we offer a complete bouquet of services with a dedicated on-ground assistance for a seamless experience. 00 PM - Processed next working day Jul 25, 2024 · RemitNow, the online foreign outward remittance portal of HDFC Bank is a dynamic platform to consider. Discover the answers to your NEFT queries at HDFC Bank - find out how much time neft takes and get all your doubts clarified in our comprehensive NEFT FAQs section. itbe viatn eecvc jqd uqenv vvpvq nxyx rjik kplks phlhdrn