MobileBanking

MobileBanking is very simple. You can perform a host of functions including accessing your account balance, mini-statement and account statement, etc. MobileBanking is also available on ngpay through which you can transfer funds, shop at select merchant outlets and make payments.

Just keep in mind that you have to type in certain keywords and send an SMS to 5676712. You will receive a response in the form of a text message within just a few seconds.

Here is a list of the SMSes you need to send for the various functions of MobileBanking:

With ngpay you can access your account and carry out fund transfers with MobileBanking. Ensure you have a GPRS enable mobile to download and use ngpay.

Now it’s much easier to transfer money from one bank to another, thanks to Interbank Mobile Payment Service (IMPS).

The advantages are:

• 1.You don’t need to pre-register the beneficiary of the money
• 2.Funds are transferred in real-time. This means that money is credited to the beneficiary’s account instantly.

What are the features of IMPS?

The features of 'IMPS' are as follows:

• Receive money using IMPS
  You can receive money using IMPS. All you need to do is register your mobile number with the bank and link it to your account number (the one you want the money to be credited to).
  
  Registering for IMPS:
  You can register for IMPS service by calling up PhoneBanking by following the steps given below.
  
  • 1. Call PhoneBanking number
  • 2. Select Language
  • 3. Select 1 for Banking
  • 4. Select 6 to register for IMPS
  On successful registration, you would receive a 7 digit Mobile Money ID (MMID).
• Get the MMID number
  SMS to 5676712 and you will know the MMID issued to your account.
• Send money using IMPS
  You can send money using MobileBanking’s ngpay application:
  • Go to ATM express
  • Click on HDFC Bank
  • Select Fund Transfer
  • Click on Mobile Money Transfer
  • Enter ‘mobile number’ and 'MMID' of beneficiary
  • Validate your identity to send the money

For any further questions click here

ngpay is a great service that you can use to transfer funds, shop, pay bills, etc. You can do this from your mobile phone.

View the ngpay demo to understand the service better and then download ngpay to your mobile. Once you download ngpay on your mobile the application will help you through the set up stages. The ngpay service works on most JAVA enabled phones.

What are the features of ngpay?

You get a vast range of services with ngpay to help add convenience and simplicity to your banking transactions. Listed below are the features of ngpay:

• Banking with HDFC Bank: You can transfer funds to any HDFC Bank account or any other bank account in India or any VISA Debit or Credit Card with ngpay.
• Entertainment at Fame Ablabs and INOX: Search for your favourite movies, select your favourite seats and pay for your tickets in style.
• Travel through IRCTC, Deccan, Make My Trip, Yatra, redBus: Look for travel options, prices, holiday details and book tickets to any destination.
• Shopping from Ferns N Petals, Archies, FutureBazaar: Search for, buy and ship gifts and products to anyone, anywhere in India.
• Telecom Services with BPL Mobile: Manage your mobile account, top-up your prepaid balance and pay your monthly post paid bills.

For any goods or services purchased from the partners listed above you can pay with your HDFC Bank Credit Card or via HDFC Bank Direct Pay.

How safe is ngpay?

The service is very safe. Some of the reason that ensure your safety are:

• 1. You will need to enter your unique 6 digit PIN every time you make a payment. This PIN is the same as the one selected by you when you registered for ngpay.
• 2. The PIN is not stored on your handset so even if your handset is stolen no one can get your PIN.
• 3. A system called ngpay Wallet is a tamper-proof digital system that stores your bank account and card details in encrypted form on your phone.
• 4. The ngpay service provides 128 bit end-to-end financial grade security from your handset through to the application servers. It has also been independently certified for financial transactions and is verisign certified.

Just use this great service since the security of your transactions is guaranteed.

Any questions on ngpay?

Have more questions, check our FAQs section

Just download and fill in the account opening form and submit it to your nearest HDFC Bank branch.

• Download Account Opening Form for Individuals
• Download Account Opening Form for Companies

Register for MobileBanking online in 3 simple steps using NetBanking:

• Login using your Cust ID and IPINIt is an Internet password that is given to customers to access their NetBanking. It is a confidential password for the security of their account.
• Click on Insta query Registration
• Fill in the required details

OR

Just download the MobileBanking application form, fill it, sign it and drop it off at the nearest HDFC Bank Branch

• MobileBanking registration – Individual
• MobileBanking registration – Corporate

What is IMPS?
IMPS stands for Interbank Mobile Payment Service. It is an instant interbank electronic fund transfer service, which you can use with your mobile phone. As an HDFC Bank customer you can send money instantly to anyone in any participating bank (including another HDFC Bank customer) who is registered for IMPS via the MobileBanking service. You can also receive money through this mechanism from anyone else in a participating bank (including another HDFC Bank customer).

How does this transfer happen in real time?
We have set up a system with our participating banks, in association with the National Payment Corporation of India (NPCI), to enable real time fund transfers between banks. We do our best to make your banking as easy as possible.

What is MMID?
MMID stands for ‘Mobile Money Identifier’. A 7 digit MMID unique code will be issued to you by your bank to enable you to avail of IMPS when you have to receive money. You will have different MMID's for different accounts; however, all these can be linked to a single mobile number.

Do I, as sender or receiver, need to have a bank account to use IMPS?
Yes, you need to have a bank account with HDFC Bank to use IMPS.

Do I need to register to send money through IMPS?
You have to register for HDFC Bank's MobileBanking application ngpay to send money through IMPS. This is the procedure to send money using ngpay:

• Go to ATM express
• Click on HDFC Bank
• Select Fund Transfer
• Click on Mobile Money Transfer
• Enter ‘mobile number’ and ‘MMID’ of beneficiary

Validate your identity to send the money

If I have more than one account linked to my mobile number how do I select the account from which I want to send money to a beneficiary?
All you have to do is specify the particular account from which you want to send money during the transaction.

Is my beneficiary also required to register for IMPS?
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 your beneficiary’s 10 digit mobile number and MMID to send money.

Is there any limit on the value of transactions when I am receiving money using IMPS?
HDFC Bank has not put any limit on the amount of money that the beneficiary can receive using IMPS. However, the remitting Bank may put a limit on maximum amount of funds that can be transfered in one transaction/day.

What if I lose my mobile phone, will someone who finds it be able to send money from my account using IMPS?
No. The person will have to know your Customer ID, IPINIt is an Internet password that is given to customers to access their NetBanking. It is a confidential password for the security of their account. or mChek PIN in order to authenticate any transaction. You should be careful not to divulge your personal details to anyone.

What happens in case I enter a wrong beneficiary mobile number when sending money?
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.

Can I send or receive money at any time and on any day using IMPS?
IMPS transactions are not bound by any timing or holidays; you can send and receive money 24 hours a day and 7 days a week.

If I send money and the beneficiary’s account does not receive it, will I get my money back? When will I get my money back?
You will get your money back. If your account has been debited and the beneficiary’s account has not been credited, then the money will be sent back to your account within 7 working days. In case you do not receive the money within 7 working days, just call HDFC Bank PhoneBanking and mention the following:

• Sender’s Mobile Number
• Sender’s Account Number
• RRN (Transaction Reference Number)
• Date of Transaction
• Beneficiary’s Bank Name
• Beneficiary’s Mobile Number
• Beneficiary’s MMID
• Amount of Transaction

How long does it take for the money to be credited in my beneficiary’s account?
If the transaction is successful, the money will be credited in your beneficiary’s account immediately.

Can I send money from my HDFC Bank Savings account to another account in any other bank?
Yes, you can send money from your HDFC Bank account to any beneficiary who has an account registered for IMPS, with the IMPS participating banks. Click here to know about list of participating banks

After I send money, how will I know when my account has been debited?
You will receive an SMS confirming the debit to your account on your registered mobile phone when the transaction has been completed successfully.

Can I send and receive money using a mobile number other than one registered with the bank?
You can send and receive funds using a mobile number that has been registered with the bank only.

When can a beneficiary use the funds received through IMPS?
A beneficiary can use the funds immediately after they have been credited to his/her account.

Where do I register a complaint with regard to the IMPS transactions?
You can register a complaint by calling our PhoneBanking service. Your query will be resolved within 7 working days.

Have more questions, check our FAQs section

Have more questions, check our FAQs Section