All Days Except National Holidays(08:00 AM To 08:00 PM)
IMPS is an innovative real time payment service that
is available round the clock. This service is offered by National Payments
Corporation of India (NPCI) that empowers customers to transfer money instantly
through banks and RBI authorized Prepaid Payment Instrument Issuers (PPI)
Available 24 x7 (functional even on
Safe and secure, easily accessible
and cost effective
Channel Independent can be
initiated from Mobile/ Internet / ATM channels
Debit & Credit Confirmation by
Funds Transfer and Remittances
Query Service on Aadhaar Mapper (QSAM)
QSAM (Query Service on Aadhaar Mapper) – This service
helps user in knowing their Aadhaar Seeding status with their bank account.
This service can be availed by
User will know whether his/her
AADHAAR number is seeded/linked to any bank account number or not
If yes, then with which bank and
when it was last updated
The following channels may be used to initiate IMPS
Smartphone- Bank App/ SMS /
Basic phone-SMS/USSD (NUUP)
Internet- Bank’s Internet banking
ATM-By Using ATM Card at Banks ATM
The sender enters receivers details like:
MMID & Mobile no. or Account
number & IFS Code or Aadhaar number
Amount to be transferred
Remarks/Payment Reference number
Both sender & receiver get SMS confirmation.
For using IMPS on mobile phones, a customer will have
to register for mobile banking with his/her individual bank. However, for
initiating IMPS using Bank branch, Internet banking and ATM channels, no prior
Mobile banking registration is required.
Both banked as well as un-banked customer can avail
IMPS. However, unbanked customer can initiate IMPS transaction using the
services of Pre-Paid Payments instrument issuer (PPI).
Yes, customer can link more than one account to the
same mobile number. However each A/C no. will have different MMID.
Mobile Money Identifier is a 7 digit number, issued by
banks. MMID is one of the input which when clubbed with mobile number
facilitates fund transfer. Combination of Mobile no. & MMID is uniquely
linked with an Account number and helps in identifying the beneficiary details.
Different MMID’s can be linked to same Mobile Number. (Please contact your bank
for getting the MMID issued)
Using Beneficiary Mobile no. and
Using Beneficiary Account no. and
Using Beneficiary Aadhaar Number
Banks and non-bank entities (RBI authorized PPI’s) are
offering IMPS to the customers across India. List of member banks and PPIs
providing the IMPS services is available on http://www.npci.org.in/bankmember.aspx
No, IMPS is an immediate fund transfer service, after
initiating the payment request payment cannot be stopped or cancelled.
No need for re-registration if there is no change in
mobile no., Registration is only requested if there is a change in mobile
IMPS transactions can be sent and received 24X7,
(round the clock), including on holidays.
Customer can log IMPS complaint with their respective
The charges for remittance through IMPS are decided by
the individual member banks and PPIs.Please check with your bank or PPI.