IMPS

IMPS (Immediate Payment Service) from HDFC Bank is an instant real time inter-bank electronic fund transfer service. Using this service, you will now be able to receive or send money even on Sundays and Bank Holidays or late at night.

What's more, the money is credited in to the beneficiary account instantly. So go ahead and ask your friends to send you money through IMPS and enjoy instant credits into your HDFC Bank account.

Also available on Android / Android Tablet / Iphone / Windows Tablet / BB Z10 Apps

Effective 10th May 2014, service charges will be levied on IMPS outgoing transactions, click here for more details

 

Send money using IMPS

Now you can instantly transfer money through IMPS by

  • Using Account number and IFS Code
  • Or

  • Using MMID and Mobile number

Know more

Receive money using IMPS 

Now receive money using IMPS by

  • Sharing your account number and IFS Code with Sender
  • Or

  • Sharing your Mobile Number and MMID with Sender

Know more

How to Generate MMID

01

Logon to MobileBanking

or

02

Logon to NetBanking

or

03

Call PhoneBanking and speak to agent

 

How to receive money using IMPS

Using Account number and IFSC CodeUsing Mobile Number and MMID

Now share your Account number and IFS Code with the sender so that he/she can send money to your account instantly.

Share your MMID and Mobile number with the sender so that he/she can send money to your account instantly.

How to generate MMID.

Genrate MMID through MobileBanking

  • Logon to MobileBanking App or logon to m.hdfcbank.com from mobile internet browser
  • Click on accounts section
  • Click on Generate MMID

or

Generate MMID through NetBanking

  • Logon to NetBanking
  • Click on accounts section
  • Click on Generate MMID under left panel

Select account and confirm, MMID will be generated instantly

or

Call PhoneBanking to generate MMID

  • Call PhoneBanking number of your region
  • Select Language
  • Select 1 for Banking
  • Select 6 to talk to agent to register for IMPS and generation of MMID

Request for IMPS registration will be tken and MMID will be sent to your Mobile number by next working day.

How to send money using IMPS

Send Money using Account number and IFS CodeSend Money using MMID and Mobile Number

NetBanking

  • Logon to NetBanking
  • Click on "Third Party Transfer" Tab
  • Click on IMPS Funds transfer using account number on the left panel
  • Select Beneficiary, enter Amount, Remark and confirm
  • You will receive the confirmation sms for IMPS transaction.

 

NetBanking

  • Click on "Third Party Transfer" Tab
  • Click on IMPS Funds transfer using MMID on the left panel.
  • Fill the details ie Beneficiary Mobile Number, Beneficiary MMID, Amount , Remark and confirm
  • You will receive the confirmation sms for IMPS transaction.

MobileBanking

Android / Android Tablet / Iphone / Windows Tablet / BB Z10 Apps

  • Logon to MobileBanking
  • Click on Fund Transfer Tab
  • Click on Other Bank using IMPS
  • Select option Using IFS Code/AC No.”
  • Select Beneficiary, enter Amount, Remark and confirm
  • You will receive the confirmation sms for IMPS transaction.

 

MobileBanking through browser

  • Logon to m.hdfcbank.com
  • Click on Third party Fund Transfer
  • Click on IMPS Funds transfer using Account number
  • Select Beneficiary, enter Amount, Remark and confirm
  • You will receive the confirmation sms for IMPS transaction.

 

MobileBanking

Blackberry

  • Logon to MobileBanking
  • Click on Third party Transfer
  • Click on IMPS Funds Transfer
  • Fill the details ie Beneficiary Mobile Number, Beneficiary MMID, Amount and Remark and confirm
  • You will receive the confirmation sms for IMPS transaction

 

Android and Iphone App

  • Logon to MobileBanking
  • Go to Funds Transfer Tab
  • Click on Other Bank using IMPS
  • Select option “Using MMID.”
  • Fill the details ie Beneficiary Mobile Number, Beneficiary MMID, Amount and Remark and confirm
  • You will receive the confirmation sms for IMPS transaction

FAQs for IMPS

If my IMPS transaction is failed or not completed , by when will I get my money back?
Yes. In case, your account is debited and beneficiary account is not credited, then please call on our PhoneBanking number with the following details:

  • RRN (Transaction Reference Number)
  • Date of transaction
  • Amount of transaction
  • Remitter Bank name
  • Beneficiary Bank Name

The TAT for reveral of amount for failure transaction is 5 days.

What are the charges for doing IMPS transactions?
Currently there are no charges, However effective 10th May 2014, service charges will be levied on all IMPS outgoing transactions, please click here for more details.

What is IMPS?
IMPS stands for Immediate Payment Service. It is an instant interbank electronic fund transfer service, which can be accessed from MobileBanking or NetBanking. As an HDFC Bank customer you can send money instantly to anyone in any participating bank (including another HDFC Bank customer). You can also receive money through this mechanism from anyone else in a participating bank (including another HDFC Bank customer).

Is my beneficiary also required to register for IMPS?
Customer using Option “IMPS using Account number and IFSC code”
No
Customer using option “IMPS using Mobile Number and MMID”.
Yes, your beneficiary (either an HDFC Bank customer or another Bank’s customer) has to have his/her mobile number registered with his/her respective bank in which the account is hosted. Your beneficiary should also have a valid 7 digit MMID provided by his/her bank. Just as you have, your beneficiary will also have a unique MMID for each bank account linked to his/her mobile number.

What details of my beneficiary do I need to send money?
You will need you beneficiary’s Account number and IFSC code to send money. (Beneficiary needs to be added in NetBanking in order to transfer money or you can send money to already added NEFT Beneficiaries)
or
You will need your beneficiary’s 10 digit mobile number and MMID to send money if you are using option of MMID and Mobile Number to send money.

What happens in case I enter a wrong beneficiary mobile number when sending money using option “IMPS using MMID”?
You will have to enter both a mobile number and MMID to initiate a money transfer and funds will be credited to an account. This is another reason why this service is safe.

How do I send money through NetBanking

  • Logon to NetBanking
  • Click on "Third Party Transfer" Tab
  • Click on “IMPS Funds transfer using account number” on the left panel
  • Select Beneficiary, enter Amount, Remark and confirm
  • You will receive the confirmation sms for IMPS transaction.

Or

  • Click on "Third Party Transfer" Tab
  • Click on “IMPS Funds transfer using MMID” on the left panel.
  • Fill the details ie Beneficiary Mobile Number, Beneficiary MMID, Amount , Remark and confirm
  • You will receive the confirmation sms for IMPS transaction.

How do I send money through MobileBanking

Blackberry

  • Logon to MobileBanking
  • Click on Third party Transfer
  • Click on IMPS Funds Transfer
  • Fill the details ie Beneficiary Mobile Number, Beneficiary MMID, Amount and Remark and confirm
  • You will receive the confirmation sms for IMPS transaction

Android and Iphone App

  • Logon to MobileBanking
  • Go to Funds Transfer Tab
  • Click on IMPS button
  • Fill the details ie Beneficiary Mobile Number, Beneficiary MMID, Amount and Remark and confirm
  • You will receive the confirmation sms for IMPS transaction

Where can I see the summary or status of all the IMPS transactions that has been done by me?

NetBanking

  • Logon to NetBanking
  • Click on "Third Party Transfer" Tab
  • Click on “View IMPS Funds transfer” on the left panel
  • Input Reference number or Specify date to search your transaction and press ok
  • System will display the list of IMPS transaction.
  • You can click on the reference number of the transaction to check the status of the transaction

MobileBanking

Blackberry

  • Logon to MobileBanking
  • Click on "Third Party Transfer"
  • Click on View IMPS Funds Transfer
  • Input Reference number or Specify date to search your transaction and press ok
  • System will display the list of IMPS transaction.
  • You can click on the reference number of the transaction to check the status of the transaction

Android and Iphone App

  • Logon to MobileBanking
  • Click on Fund Transfer Tab
  • Click on View IMPS Funds Transfer under Enquiry section
  • Input Reference number or Specify date to search your transaction and press ok
  • System will display the list of IMPS transaction.
  • You can click on the reference number of the transaction to check the status of the transaction

Is there any limit on the value of transactions when I am sending money using IMPS?
Yes, the limits are as follows:

  • IMPS using Account number:
    Customer can transfer maximum amount as per the TPT limits. However per transaction limit for IMPS using Account number is Rs 2 Lakhs.
  • IMPS using MMID:
    NetBanking and MobileBanking: Rs 5000 per day per Custid (on either of the channel)
    Please note:Limit of Rs 5000 applies whether as an individual or multiple transactions from either of the channel but not from both the channels.

How to register Beneficiary for IMPS?
Steps to add a IMPS beneficiary.

Beneficiary will get added in 12 Hours. Post addition, you can transfer money to any IMPS registered beneficiary.

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