^
You do not have a bank account?
I do, but quite a few people I know have been questioned while using their bank accounts to trade.
Would rather not be one of them at this point in time.
I was responding to OP's claim that his scheme would benefit the "half of India do not have access to banks or bank accounts."
You, on the other hand, are simply trying to launder money.
This scheme also fails at effective money laundering.
There are easier ways to launder money. I would not go through this if I wanted to launder money.