Fund Transfer in india with a minitue to any bank 2/7 even on a sunday ;you neeed MMID account number pls try it it is fast Done trought Immediate Payment Service (IMPS) of NPCI

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Jul 23, 2013, 9:01:01 AM7/23/13
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 IMPS » Background
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 Immediate Payment Service (IMPS)


Currently majority of interbank mobile fund transfer transactions are channelised through NEFT mechanism. Under NEFT, the transactions are processed and settled in batches, hence are not real time. Also, the transactions can be done only during the working hours of the RTGS system.

In the above context, NPCI has carried out a pilot on mobile payment system initially with 4 member banks viz State Bank of India, Bank of India, Union Bank of India and ICICI Bank in August 2010. Yes Bank, Axis Bank and HDFC Bank have joined this pilot in month of September, October and November 2010 respectively. Immediate  Payment Service (IMPS) public launch happened on 22nd November 2010 by Smt. Shyamala Gopinath, DG RBI at Mumbai and this service is now available to the Indian public.

IMPS offers an instant, 24X7, interbank electronic fund transfer service through mobile phones. IMPS facilitate customers to use mobile instruments as a channel for accessing their bank accounts and put high interbank fund transfers in a secured manner with immediate confirmation features.

This facility is provided by NPCI through its existing NFS switch.

The eligible criteria for the Banks who can participate in IMPS is that the Bank should have approval  from RBI for Mobile Banking Service.

 Objectives of IMPS

  • To enable bank customers to use mobile instruments as a channel for accessing their banks accounts and remit funds
  • Making payment simpler just with the mobile number of the beneficiary         
  • To sub-serve the goal of Reserve Bank of India (RBI)  in electronification of retail payments
  • To facilitate mobile payment systems already introduced in India with the Reserve Bank of India Mobile Payment Guidelines 2008 to be inter-operable across banks and mobile operators in a safe and secured manner
  • To build the foundation for a full range of mobile based Banking services.   

 The participants for IMPS will be as follows:

  • Remitter (Sender)
  • Beneficiary (Receiver)
  • Banks
  • National Financial Switch - NPCI

 Pre-Requisites for Mobile Banking through IMPS

Registration for Remitter:

  • Register yourself for mobile banking service with bank
  • Get Mobile Money Identifier (MMID) and MPIN from the bank
  • Download Software (Application) for mobile banking (ensure the compatibility of mobile with the application) or use the SMS facility in your mobile if your bank provides IMPS on SMS
Registration for Beneficiary:

  • Link your mobile number to the account in the respective bank. No need to register for mobile banking service.
  • Get Mobile Money Identifier (MMID) from the bank

For Remitter (To send money):

  • Login to the application and select the IMPS menu from the IMPS or use the SMS facility in your mobile if your bank provides IMPS on SMS
  • Get Beneficiary Mobile number and MMID
  • Enter Beneficiary Mobile number, beneficiary MMID, Amount and your MPIN to send
  • Await confirmation SMS for the debit in your account and credit in beneficiary account
  • Note the transaction reference number for any future query
  • Share your Mobile number and MMID with the remitter
  • Ask the remitter to send money using your Mobile number and MMID
  • Check the confirmation SMS for credit to your account from the remitter
  • Note the transaction reference number for any future query
   IMPS » Links to member bank’s IMPS page

 

Sr. No.Bank NameNo. of MMID issued (in lakhs)IMPS RemittanceIMPS Merchant Payment National Unified USSD Platform (NUUP)
Using MMID(P2P)Using Account No. & IFS Code(P2A) Active Channels
1Allahabad Bank 0.13  Mobile 
2Andhra Bank 9.13 Mobile / ATM
3 Axis Bank 84.33 Mobile 
4Bank of Baroda 6.53 Mobile/Internet 
5 Bank of India 1.87Mobile
6Bank of Maharashtra 0.01  Mobile  
7Bassein Catholic Co-op Bank 0.01 Mobile  
8BNP Paribas 0* Mobile 
9Canara Bank 4.8 Mobile/ATM/Internet
10 Catholic Syrian Bank 0.1 Mobile   
11Central Bank of India 0.05  Mobile /Internet  
12 Citibank 0.26Mobile /Internet   
13Corporation Bank 7.64 Mobile/Internet
14 Cosmos Co-operative Bank0*Mobile  
15Dena Bank 0*Mobile  
16Development Bank of Singapore0*  Mobile  
17Development Credit Bank 0.23  Mobile  
18Dhanalakshmi Bank 4.98  Mobile  
19Dombivli Nagarik Sahakari Bank 0.15 Mobile 
20Federal Bank 0.34 Mobile / Internet
21 HDFC Bank 3.88 Mobile / Internet   
22HSBC 0* Mobile 
23ICICI Bank 179.12 Mobile / Internet
24 IDBI Bank0.05Mobile 
25Indian Bank 44.95Mobile / Internet  
26Indian Overseas Bank 4.06  Mobile  
27Indusind Bank 0.37 Mobile/ATM 
28 ING Vysya Bank0.02 Mobile  
29Jammu & kashmir Bank 0*Mobile   
30Janata Sahakari Bank, Pune 0.01 Mobile  
31Karnataka Bank 21.84  Mobile 
32Karur Vysya Bank 0.13 Mobile
33Kotak Mahindra Bank 22.34 Mobile/Internet
34 Lakshmi Vilas Bank4.98 Mobile / ATM   
35Mehsana Urban Co-operative Bank 0*Mobile 
36NKGSB Co-operative Bank 0* Mobile  
37Oriental Bank of Commerce 17.35  Mobile
38Punjab and Maharashtra Co-op Bank 0.28 Mobile 
39Punjab National Bank 3.22  Mobile / Internet
40 Saraswat Bank0.01Mobile  
41South Indian Bank 1.95  Mobile  
42Standard Chartered Bank 0*   Mobile 
43State Bank of Bikaner and Jaipur 0.21 Mobile 
44State Bank of Hyderabad 0.28 Mobile 
45State Bank of India 60.74 Mobile
46State Bank of Mysore 0.02 Mobile 
47State Bank of Patiala 0.08  Mobile 
48State Bank of Travancore 0.16 Mobile 
49Syndicate Bank 0.12 Mobile 
50Tamilnaad Mercantile Bank 0.08 Mobile  
51Thane Janata Sahakari Bank 1.81 Mobile  
52The A.P Mahesh Urban Co-op Bank 0* Mobile 
53The Greater Bombay Co-op Bank 0.39 Mobile 
54UCO Bank 0.34  Mobile 
55Union Bank Of India 15.87 Mobile/ATM/Internet
56 United Bank Of India0.18Mobile 
57Vijaya Bank 0.54 Mobile 
58Yes Bank Ltd 5.77 Mobile / Internet 

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