Inter-bank Mobile Payment Service is a new facility added to Mobile Banking Service. It facilitates funds transfer to an account of the beneficiary with a participating bank, based on beneficiary’s Mobile Number and MMID.
- Mobile Money Identifier (MMID)
- MMID is a 7 digit number allotted by your Bank for receiving funds through IMPS. The bank will allot MMID when you register your mobile number and account number in which you wish to receive funds.
- If you have more than one account, you will get a separate MMID for each account.
- You have to share your mobile number and MMID with the remitter for receiving funds through IMPS.
Step 1: Remitter sends instruction from his / her mobile through his / her bank
provided application or SMS.
Step 2: Remitting bank validates the details of the remitter and debits his / her
account. This transaction is sent by the remitting bank to NPCI.
Step 3: Transaction is passed by NPCI to the beneficiary bank. Beneficiary bank
validates the details of the beneficiary customer, credits the account, sends
confirmation NPCI about transaction status and sends a SMS to the
beneficiary customer informing him of the credit.
Step 4: NPCI sends the transaction status to remitting bank which in turn informs
the status of the transaction to the Remitter.
Step 5: Remitting bank send a SMS confirmation of the transaction to the
remitting customer.
ü You should be a registered user of Mobile Banking Service of the Bank.
ü If you are not a user, please register yourself for mobile banking service. Three simple steps are
- Get user id and default MPIN by sending SMS MBSREG to 9223440000 or 567676.
- Download mobile banking application on your mobile phone and change MPIN.
- If do not have a java enabled mobile register for Mobile Banking Service through USSD or SMS Banking.
- Visit an ATM or Branch for activating your mobile banking service.
- Get beneficiary’s Mobile number and MMID.
ü Send money to the beneficiary following the menu options in the mobile banking application.
Select Funds Transfer > Select IMPS-Mobile to Mobile Transfer > Enter Payee Mobile Number > Enter Payee MMID > Enter Purpose (Optional) > Enter Amount > Select Account to be debited > Choose Ok > Enter MPIN > Choose Confirm
SMS Banking
Send a message to 9223440000 using the following keywords:
<IMPS><Mobile Number><MMID><Amount><UseridD><MPIN><Purpose (Optional-20 Characters)>
USSD
If you are registered for the USSD service, after successful login choose the IMPS (option 7) and respond as follows:
Enter the Mobile No of the payee
Enter the MMID of the payee
Enter the purpose
Enter amount
Enter the MPIN and complete the request
- Register yourself with your Bank for getting MMID.
- Share your mobile number and MMID with the remitter.
- Check the confirmation SMS for credit to your account from the remitter.
If you are registered for Mobile Banking Service, MMID will be allotted for the Primary account enabled for Mobile Banking Service. For obtaining MMID in for other accounts, please visit your Branch.
To get MMID number, please register yourself at State Bank ATM as follows:
- Swipe your Debit Card > Select Mobile Registration > Enter ATM PIN > Select SMS / Secure Code / IMPS > Enter your Mobile Number > Confirm.
- 7 digit MMID number will be sent to you over SMS on the mobile number used for registration. Whenever you wish to receive money using IMPS, share your MMID and mobile number with the remitter.
- MMID will be allotted for the primary account linked to the ATM card.
- Please visit the Branch to receive MMID for other accounts.
If you do not have ATM card for the account, please visit your Branch.
You can visit the Branch and submit an application form for getting MMID. The MMID will be advised to you over SMS on the mobile number used for registration.
Apart from SBI, some more Banks are participating. Please visit National Payments Corporation of India (NPCI) website http://www.npci.org.in/bankmember.aspx to know about the names of the banks participating in the Service.
No, there is no need to register the details of the payee before transferring funds.
To transfer funds using this Service, please follow the steps as under:
If you are using the application based service
- Open the mobile banking application with user ID
- Select Funds Transfer > Select IMPS -Mobile to Mobile Transfer > Enter Mobile Number of the Payee > Enter Payee MMID (7digits) > Enter Purpose (Optional) > Enter Amount > Select Account to be debited > Choose OK.
- Enter MPIN
- Choose confirm and send the request
If you are availing the USSD service,
- After successful login Choose option 7 for IMPS and respond as follows:
- Enter the Mobile No of the payee
- Enter the MMID of the payee
- Enter purpose (optional)
- Enter amount
- Enter the MPIN and complete the request
If you are using the SMS banking
- Send a message to 9223440000 using the following keywords:
- <IMPS><Mobile Number><MMID><Amount><Userid><MPIN><Purpose (Optional – 20 Characters)>
This remittance is subject to the daily / monthly limit prescribed for Mobile Banking Service. The max limit is ` 50,000/- per day, if you are using the application based service and ` 1000/- per day if you are using the USSD / SMS Banking.
When someone sends you money through IMPS using your mobile number and MMID, your account is identified by the MMID.
You have to register each account to get the MMID. The mobile number can be the same for all your accounts.
You can give the same mobile number for all the accounts. The Bank will allot different MMID for each account.
Presently, there are no charges for using the facility.
- Funds can be remitted without registering the payee.
- Transfer of funds is in real time even for accounts maintained with other banks, in other words, the service is available 24 x7.
MMID has 7 digits. The first four digits identify the Bank (9004 for SBH) and the last three digits identify the account.
- If the first four digits of MMID are not valid, the transaction will be rejected.
- If the first four digits are valid i.e represent a Bank but not the intended Bank, your account will be debited and then the entry will be reversed.
- If the first four digits are right and the last three digits are wrong, your account will be debited and then the entry will be reversed.
You can retrieve the MMID for your account using any of the following methods. Please note that the message should be sent only from the number, registered for receiving MMID:
Send the message MMID SBH to 9223440000 (for retrieving MMID for all accounts) (or)
Send the message MMID SBH account number to 9223440000 (for retrieving MMID for a particular account)
You can also use the following method for retrieving your MMID. You can call from any number:
Call toll-free number 1800 425 4055.
Chose Mobile Banking (Option 5)
You will be attended to by Customer Service Representative.
Provide Mobile Number.
You will be asked to validate certain particulars.
In all the above cases, MMID(s) will be sent to the registered mobile number.
Send SMS to 9223440000 in the following format. Please note to send the SMS only from the registered number for MMID.
MMIDCANCEL SBH (for Cancelling MMID for all accounts)
MMIDCANCEL SBH Account Number (for cancelling MMID for a particular account)
For changing Mobile number, you have to deregister the MMID allotted earlier and register again for the MMID with new Mobile Number.
For changing Mobile number, you have to deregister the MMID allotted earlier and register again for the MMID with new Mobile Number.
Presently, the customers cannot withdraw and / or deposit money using IMPS.
The funds should be credited into the beneficiary account in about 15-30 seconds.
Yes, the customer should have sufficient account balance to initiate a fund transfer.
Yes, the remitting customer can transfer funds to the beneficiary account in other banks.
The remitting bank send a confirmation SMS to the remitting customer about the transaction initiated by him / her.
The customer can remit and / or receive funds using the registered mobile number only. In case he / she needs to remit / receive funds using the other mobile number, he / she will have to approach the bank and complete the process of changing the registered mobile number for mobile banking.
The beneficiary can use the funds immediately on receipt of credit in the account. The funds received through IMPS are goods funds and can be used immediately upon credit.
The beneficiary bank send a confirmation SMS to the beneficiary customer informing him / her of the credit in the account.
Yes, In case for any reason, technical or business, the IMPS transaction is not completed the reversal of the remitters funds will happen immediately. In case if such a transaction becomes a subject to reconciliation wherein the status of transaction is not determined immediately, the reversal of funds will happen on the next working day.
The beneficiary details required for making a remittance are mobile number and MMID. The transaction will get declined in case anyone of these two numbers is erroneous and transaction gets reversed instantly.
At the time of mobile banking registration, bank would provide the customer with a Userid and MPIN (Mobile Personal Identification Number) for accessing the mobile banking facility. An IMPS remittance will not be possible without these two inputs.
The beneficiary bank send a confirmation SMS to the beneficiary customer informing him / her of the credit in the account.
The beneficiary bank send a confirmation SMS to the beneficiary customer informing him / her of the credit in the account.
