{"id":3739,"date":"2022-11-29T11:57:13","date_gmt":"2022-11-29T06:27:13","guid":{"rendered":"https:\/\/vpurshan.wpcomstaging.com\/?p=3739"},"modified":"2023-12-21T17:59:14","modified_gmt":"2023-12-21T12:29:14","slug":"what-is-imps","status":"publish","type":"post","link":"https:\/\/vpurshan.wpcomstaging.com\/what-is-imps\/","title":{"rendered":"IMPS &#8211; Immediate Payment Service &#8211; What is IMPS, and its Benefits?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Transferring funds in real-time and around the clock was a huge challenge in banking. During banking hours, only NEFT and RTGS were accessible for fund transfers. With this in mind, the National Payments Corporation of India (NPCI) launched IMPS &#8211; Immediate Payment Service. IMPS facilitates fund transfers 24*7*365 days and anywhere in India.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Currently, 652 participants are active on IMPS, which includes banks and <strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-purple-color\"><a href=\"https:\/\/www.cashfree.com\/blog\/ppi-interoperability\/\">PPIs<\/a><\/mark><\/strong>. IMPS can be used for fund transfer services or \u201cmerchant pay\u201d commercial transactions up to 5 Lakh INR per day for instant domestic transactions.\u00a0<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"770\" height=\"514\" data-attachment-id=\"3751\" data-permalink=\"https:\/\/vpurshan.wpcomstaging.com\/what-is-imps\/newtheme_payment-aggregator\/\" data-orig-file=\"https:\/\/i0.wp.com\/vpurshan.wpcomstaging.com\/wp-content\/uploads\/2022\/11\/NewTheme_Payment-Aggregator.png?fit=1080%2C720&amp;ssl=1\" data-orig-size=\"1080,720\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"NewTheme_Payment-Aggregator\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/vpurshan.wpcomstaging.com\/wp-content\/uploads\/2022\/11\/NewTheme_Payment-Aggregator.png?fit=770%2C514&amp;ssl=1\" src=\"https:\/\/i0.wp.com\/vpurshan.wpcomstaging.com\/wp-content\/uploads\/2022\/11\/NewTheme_Payment-Aggregator.png?resize=770%2C514&#038;ssl=1\" alt=\"What is IMPS\" class=\"wp-image-3751\" srcset=\"https:\/\/i0.wp.com\/vpurshan.wpcomstaging.com\/wp-content\/uploads\/2022\/11\/NewTheme_Payment-Aggregator.png?resize=1024%2C683&amp;ssl=1 1024w, https:\/\/i0.wp.com\/vpurshan.wpcomstaging.com\/wp-content\/uploads\/2022\/11\/NewTheme_Payment-Aggregator.png?resize=300%2C200&amp;ssl=1 300w, https:\/\/i0.wp.com\/vpurshan.wpcomstaging.com\/wp-content\/uploads\/2022\/11\/NewTheme_Payment-Aggregator.png?resize=768%2C512&amp;ssl=1 768w, https:\/\/i0.wp.com\/vpurshan.wpcomstaging.com\/wp-content\/uploads\/2022\/11\/NewTheme_Payment-Aggregator.png?resize=270%2C180&amp;ssl=1 270w, https:\/\/i0.wp.com\/vpurshan.wpcomstaging.com\/wp-content\/uploads\/2022\/11\/NewTheme_Payment-Aggregator.png?resize=770%2C515&amp;ssl=1 770w, https:\/\/i0.wp.com\/vpurshan.wpcomstaging.com\/wp-content\/uploads\/2022\/11\/NewTheme_Payment-Aggregator.png?w=1080&amp;ssl=1 1080w\" sizes=\"auto, (max-width: 770px) 100vw, 770px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-are-the-benefits-of-imps\"><strong>What are the benefits of IMPS?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">IMPS is one of the most accessible, cost-effective and secure means of money transfer. The benefits of IMPS are as below:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Multiple access and ease of use<\/strong>: IMPS can be transacted through mobile phones as well as internet banking anywhere and anytime, including bank holidays.&nbsp;<\/li>\n\n\n\n<li><strong>Instant transfer of funds: <\/strong>Money transfer happens in real-time, and in cases of technical issues, money is transferred within an hour.&nbsp;<\/li>\n\n\n\n<li><strong>Low transaction cost:<\/strong> Subject to the transaction amount and the policy of the bank through which IMPS transactions are done, regular IMPS charges range anywhere from 2.5 to 15.&nbsp;<\/li>\n\n\n\n<li><strong>Accessibility<\/strong>: IMPS transacted through mobile phones require details like mobile number and <strong>MMID <\/strong>(Mobile Money Identifier) which is a unique 7-digit number of which the first 4-digits are unique identification of the bank offering IMPS. However, IMPS transacted through internet banking requires all details like bank account number and <strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-purple-color\"><a href=\"https:\/\/www.cashfree.com\/grow\/what-is-ifsc-code\/\">IFSC code<\/a><\/mark><\/strong>.\u00a0<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Note: MMID cannot be generated without enabling mobile banking. Therefore, it is required to have a functioning savings bank account that allows mobile banking.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-who-are-the-participants-in-an-imps-transaction\"><strong>Who are the participants in an IMPS transaction?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Each IMPS transaction involves the following parties:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Sender (Remitter)<\/li>\n\n\n\n<li>Receiver (Beneficiary)<\/li>\n\n\n\n<li>Bank<\/li>\n\n\n\n<li>National Financial Switch &#8211; NPCI<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-prerequisites-for-imps-through-mobile-banking\"><strong>Prerequisites for IMPS through Mobile Banking<\/strong><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Registration for Sender:<\/strong><\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Activate mobile banking service of the bank.<\/li>\n\n\n\n<li>Get MMID (Mobile Money Identifier) and MPIN from the bank.<\/li>\n\n\n\n<li>Download the mobile banking app or use the SMS facility if your bank offers IMPS via SMS.<\/li>\n<\/ul>\n\n\n\n<ol class=\"wp-block-list\" start=\"2\">\n<li><strong>Registration for Receiver:<\/strong><\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-purple-color\"><a href=\"https:\/\/www.cashfree.com\/bank-account-verification\/\">Link your mobile number to the bank account.<\/a><\/mark><\/strong><\/li>\n\n\n\n<li>Obtain MMID (Mobile Money Identifier) from the bank.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-transfer-funds-via-imps\"><strong>How to transfer funds via IMPS?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Fund transfer\/remittance through an IMPS can be done using:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Mobile number &amp; MMID (P2P): Both Sender and the Receiver must register their mobile number with their respective bank accounts and obtain MMID.<\/li>\n\n\n\n<li>Account number &amp; IFSC Code or Aadhaar Number (P2A): In cases where the receiver\u2019s mobile number is not registered with any bank account, IMPS transfer is not possible using Mobile Number &amp; MMID. It is made possible using the receiver\u2019s <strong>bank account number &amp; IFSC code<\/strong> or <strong>Aadhaar Number.<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Follow these steps to carry out fund transfers through IMPS:&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Step 1: <\/strong>Log in to the banking app, select the IMPS from the transfer or payment method or use the SMS facility if your bank offers IMPS on SMS.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Step 2:<\/strong> Enter Receiver&#8217;s \/Beneficiary\u2019s <strong>mobile number &amp; their MMID<\/strong> for bank<strong> account number &amp; IFSC code<\/strong> or <strong>Aadhaar number<\/strong>, amount and your MPIN.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Step 3:<\/strong> You will receive a confirmation message on the screen and SMS.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Step 4:<\/strong> Note the transaction reference number for future use.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If due to technical issues, the amount is not transferred instantly, the transfer generally occurs within an hour. However, a compliant request with the bank can also be raised.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">However, it is important to note that you must always check the details like the beneficiary&#8217;s account number, IFSC, mobile number and MMID. This is because money, once transferred, can be returned only by the beneficiary.\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-purple-color\">Related Post: <a href=\"https:\/\/www.cashfree.com\/blog\/imps-vs-neft-vs-rtgs\/\">IMPS Vs NEFT Vs RTGS Vs Other Payment Modes<\/a><\/mark><\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-status-and-tracking-of-the-imps-transaction\"><strong>Status and Tracking of the IMPS transaction<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Once the transfer under IMPS is complete, the IMPS reference number is generated and provided. The IMPS reference number is a unique reference number for every IMPS transaction. The status of the IMPS transaction can be tracked on the mobile banking app or the bank website using the IMPS reference number.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-frequently-asked-questions-faqs\"><strong>Frequently Asked Questions (FAQs):<\/strong><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>What is IMPS?<\/strong><\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Immediate Payment Service facilitates fund transfers 24*7*365 days across India through banks and RBI-authorized Prepaid Payment Instrument Issuers (PPI).&nbsp;<\/p>\n\n\n\n<ol class=\"wp-block-list\" start=\"2\">\n<li><strong>What is the limit for IMPS?<\/strong><\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">The IMPS limit per transaction is 5 lakh INR (for all channels except SMS and IVR). You may contact your bank for any further information.<\/p>\n\n\n\n<ol class=\"wp-block-list\" start=\"3\">\n<li><strong>What services are available through IMPS?<\/strong><\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Sending and Receiving money<\/li>\n\n\n\n<li>Beneficiary account checking functionality<\/li>\n\n\n\n<li>Transaction status-checking functionality<\/li>\n\n\n\n<li>Foreign Inward Remittance<\/li>\n<\/ul>\n\n\n\n<ol class=\"wp-block-list\" start=\"4\">\n<li><strong>Which channels are available for fund transfer using IMPS?<\/strong><\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">The following channels may be used to initiate IMPS transactions:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Mobile Banking App\/SMS<\/li>\n\n\n\n<li>Internet- Net banking facility<\/li>\n\n\n\n<li>ATM<\/li>\n\n\n\n<li>Bank branch<\/li>\n<\/ol>\n\n\n\n<ol class=\"wp-block-list\" start=\"5\">\n<li><strong>What is MMID? How to get an MMID issued?<\/strong><\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">MMID- Mobile Money Identifier is a unique 7-digit number, issued by banks. The first 4 digits identify the <strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-purple-color\"><a href=\"https:\/\/www.cashfree.com\/blog\/banking-as-a-service\/\">bank offering the service<\/a><\/mark><\/strong>, and the last 3 digits are unique to the customer. You may contact your bank to obtain MMID.<\/p>\n\n\n\n<ol class=\"wp-block-list\" start=\"6\">\n<li><strong>Is the facility to Stop payments available on IMPS?<\/strong><\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">No, payment cannot be stopped or cancelled after initiating a payment.&nbsp;<\/p>\n\n\n\n<ol class=\"wp-block-list\" start=\"7\">\n<li><strong>What are the charges for IMPS transactions?<\/strong><\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">The charges vary from bank to bank. Generally, IMPS charges range anywhere from no charge or 2.5 INR to 15 INR.<\/p>\n\n\n\n<ol class=\"wp-block-list\" start=\"8\">\n<li><strong>Can I link multiple accounts to the same mobile number for MMID?<\/strong><\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Yes, you can link more than one account to a mobile number. However, different MMIDs will be issued for each account number.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Transferring funds in real-time and around the clock was a huge challenge in banking. During banking hours, only NEFT and RTGS were accessible for fund transfers. With this in mind, the National Payments Corporation of India (NPCI) launched IMPS &#8211; Immediate Payment Service. IMPS facilitates fund transfers 24*7*365 days and anywhere in India.&nbsp; Currently, 652<\/p>\n","protected":false},"author":204397853,"featured_media":3751,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_wpcom_ai_launchpad_first_post":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"{title}\n\n{excerpt}\n\n{url}","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"_wpas_customize_per_network":false,"jetpack_post_was_ever_published":false},"categories":[1400],"tags":[1423,1422],"class_list":["post-3739","post","type-post","status-publish","format-standard","has-post-thumbnail","category-guides","tag-immediate-payment-service","tag-imps"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v23.7 (Yoast SEO v28.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>What is IMPS and its Benefits?<\/title>\n<meta name=\"description\" content=\"IMPS is one of the most accessible, cost-effective and secure means of money transfer. 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IMPS facilitate fund transfers 24*7*365 days.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.cashfree.com\/grow\/what-is-imps\/\" \/>\n<meta property=\"og:site_name\" content=\"Home\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/gocashfree\/\" \/>\n<meta property=\"article:published_time\" content=\"2022-11-29T06:27:13+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-12-21T12:29:14+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/vpurshan.wpcomstaging.com\/wp-content\/uploads\/2022\/11\/NewTheme_Payment-Aggregator.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1080\" \/>\n\t<meta property=\"og:image:height\" content=\"720\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Vinayak Purshan\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@gocashfree\" \/>\n<meta name=\"twitter:site\" content=\"@gocashfree\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Vinayak Purshan\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.cashfree.com\\\/grow\\\/what-is-imps\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/vpurshan.wpcomstaging.com\\\/what-is-imps\\\/\"},\"author\":{\"name\":\"Vinayak Purshan\",\"@id\":\"https:\\\/\\\/vpurshan.wpcomstaging.com\\\/#\\\/schema\\\/person\\\/643a8000323c367d9e7afd858b96bbe8\"},\"headline\":\"IMPS &#8211; Immediate Payment Service &#8211; What is IMPS, and its Benefits?\",\"datePublished\":\"2022-11-29T06:27:13+00:00\",\"dateModified\":\"2023-12-21T12:29:14+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/vpurshan.wpcomstaging.com\\\/what-is-imps\\\/\"},\"wordCount\":914,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/vpurshan.wpcomstaging.com\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.cashfree.com\\\/grow\\\/what-is-imps\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/i0.wp.com\\\/vpurshan.wpcomstaging.com\\\/wp-content\\\/uploads\\\/2022\\\/11\\\/NewTheme_Payment-Aggregator.png?fit=1080%2C720&ssl=1\",\"keywords\":[\"Immediate Payment Service\",\"IMPS\"],\"articleSection\":[\"Guides\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/www.cashfree.com\\\/grow\\\/what-is-imps\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/vpurshan.wpcomstaging.com\\\/what-is-imps\\\/\",\"url\":\"https:\\\/\\\/www.cashfree.com\\\/grow\\\/what-is-imps\\\/\",\"name\":\"What is IMPS and its Benefits?\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/vpurshan.wpcomstaging.com\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.cashfree.com\\\/grow\\\/what-is-imps\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.cashfree.com\\\/grow\\\/what-is-imps\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/i0.wp.com\\\/vpurshan.wpcomstaging.com\\\/wp-content\\\/uploads\\\/2022\\\/11\\\/NewTheme_Payment-Aggregator.png?fit=1080%2C720&ssl=1\",\"datePublished\":\"2022-11-29T06:27:13+00:00\",\"dateModified\":\"2023-12-21T12:29:14+00:00\",\"description\":\"IMPS is one of the most accessible, cost-effective and secure means of money transfer. 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