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What is IMPS?

Immediate Payment Service (IMPS) enables you to instantly transfer funds online safely from your bank account to accounts maintained with other banks participating in IMPS. This service is available 24x7, even on Sundays and any Bank holidays through Retail Internet Banking/Mobile Banking Service. This service is brought to you by the National Payments Corporation of India (NPCI) in collaboration with member banks.


  1. Instant interbank fund transfers
  2. Transact 24 X 7
  3. Simple and easy to use
  4. Time and cost saving
  5. Safe, secure and state-of-art technology
  6. Immediate confirmation to sender and receiver via SMS & Email


  1. What is IMPS?
  2. Does the customer need to have a bank account for availing IMPS?
  3. Does the customer need to register to remit the funds through IMPS?
  4. Is the beneficiary customer also required to register for IMPS?
  5. What beneficiary details does the customer need to affect an IMPS remittance?
  6. Can a customer link more than one account to the same mobile number?
  7. What are the steps for IMPS fund transfer Retail Internet Banking?
  8. Is there any limit on the value of transactions in IMPS?
  9. Can we withdraw and / or deposit money using IMPS?
  10. What are the timings for initiating and receiving IMPS remittances?
  11. If the transaction is not completed will the customer get his / her money back? When?
  12. What are the charges for the customer for sending and receiving remittances using IMPS?
  13. How long does it take for the remittance to get credited into the beneficiary account number?
  14. Can the remitter transfer funds from his / her to the beneficiary account in other bank?
  15. Is it necessary to have sufficient account balance to initiate a remittance?
  16. Is it necessary to have a minimum limit to send and receive funds through IMPS?
  17. How does the remitter come to know that his account is debited and funds have been credited in the beneficiary’s account?
  18. How does a beneficiary come to know of funds being credited to his / her banks account?
  19. When can the beneficiary use the funds received through IMPS?
  20. Which all banks are offering IMPS?



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