{"id":3138,"date":"2025-06-02T13:31:15","date_gmt":"2025-06-02T05:31:15","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=3138"},"modified":"2025-06-02T13:31:15","modified_gmt":"2025-06-02T05:31:15","slug":"%e5%8d%b0%e5%ba%a6%e7%9a%84%e5%8d%b3%e6%97%b6%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9fimps%e8%af%a6%e8%a7%a3","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/en\/2025\/06\/02\/%e5%8d%b0%e5%ba%a6%e7%9a%84%e5%8d%b3%e6%97%b6%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9fimps%e8%af%a6%e8%a7%a3\/","title":{"rendered":"India's Instant Payment System IMPS in Detail"},"content":{"rendered":"<p style=\"text-align:center\"><img decoding=\"async\" src=\"https:\/\/ts271.mm.bing.net\/th?q=phonepe270\" alt=\"India&#039;s Instant Payment System IMPS in Detail\" title=\"India&#039;s Instant Payment System IMPS in Detail\"><\/p>\n<p>India's Immediate Payment System (IMPS, Immediate Payment Service) is a real-time fund transfer service launched by the National Payments Corporation of India (NPCI) that allows users to make instant inter-bank transfers 24\/7 via mobile phones, the internet, or bank branches. Here is a detailed explanation of IMPS:<\/p>\n<hr>\n<h3><strong>1. Core features of IMPS<\/strong><\/h3>\n<ul>\n<li><strong>on-line processing<\/strong>: Funds arrive in seconds, no waiting.<\/li>\n<li><strong>Year-round<\/strong>: 24-hour operation, including holidays and weekends.<\/li>\n<li><strong>Multi-Channel Access<\/strong>::\n<ul>\n<li>Mobile Banking (MMID + Mobile Number)<\/li>\n<li>Internet Banking (IFSC + Account Number)<\/li>\n<li>ATM\/USSD Code (*99#).<\/li>\n<\/ul>\n<\/li>\n<li><strong>Microefficiency<\/strong>: The single transaction limit is usually \u20b950,000 (may be lower in some banks).<\/li>\n<\/ul>\n<hr>\n<h3><strong>2. Key elements of IMPS<\/strong><\/h3>\n<ul>\n<li><strong>MMID (Mobile Money Identifier)<\/strong><br \/>\nA 7-digit unique number assigned by your bank and tied to your mobile phone number for mobile transfers.<\/li>\n<li><strong>IFSC (Indian Financial System Code)<\/strong><br \/>\nAn 11-digit alphanumeric code that identifies the branch where the payee has an account.<\/li>\n<li><strong>trading limit<\/strong><br \/>\nEach bank sets its own limit (e.g. HDFC single limit \u20b92 lakh; SBI allows \u20b95 lakh).<\/li>\n<\/ul>\n<hr>\n<h3><strong>3. Scenarios for the use of IMPS<\/strong><\/h3>\n<ol>\n<li><strong>Person-to-person transfers<\/strong>: Quick cost-sharing among friends or family remittances.<\/li>\n<li><em>Emergency payments<\/em>: Scenarios where medical bills, bills, etc. need to be instantly available.<\/li>\n<li><em>E-commerce and small businesses<\/em>: Alternative to cash for small collections.<\/li>\n<\/ol>\n<hr>\n<h3><em><strong>4. IMPS vs UPI vs NEFT<\/strong><\/em><\/h3>\n<table>\n<thead>\n<tr>\n<th>characterisation<\/th>\n<th>IMPS<\/th>\n<th>UPI<\/th>\n<th>NEFT<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>timeliness<\/td>\n<td>(in) real time<\/td>\n<td>(in) real time<\/td>\n<td>Batch processing (batches per hour)<\/td>\n<\/tr>\n<tr>\n<td><em><strong>operating hours<\/strong><\/em><\/td>\n<td><em><strong>24\/7<\/strong><\/em><\/td>\n<td><em><strong>24\/7<\/strong><\/em><\/td>\n<td><em><strong>Weekday 8:00~18:30<\/strong><\/em><\/td>\n<\/tr>\n<tr>\n<td><em><strong>authentication<\/strong><\/em><\/td>\n<td>MMID or IFSC<\/td>\n<td>UPI ID\/VPA<\/td>\n<td>IFSC+ Account<\/td>\n<\/tr>\n<tr>\n<td><em><strong>typical use<\/strong><\/em><\/td>\n<td>-Emergency transfer<br \/>-Without UPI<\/td>\n<td>-Daily code payment<br \/>-P2P<\/td>\n<td>-Large non-emergency transfers<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<blockquote>\n<p>\ud83d\udca1 <em>draw attention to sth.<\/em>: UPI is built on the IMPS infrastructure but is more flexible.<\/p>\n<\/blockquote>\n<hr>\n<h3>5. How do I initiate an IMPS transaction?<\/h3>\n<h4><strong>(A) via mobile phone number + MMID<\/strong><\/h4>\n<p>1\ufe0f\u20e3Login to Mobile Banking \u2192 Select \"IMPS\" option.<br \/>\n2\ufe0f\u20e3 Enter the payee's mobile phone number and MMID.<br \/>\n3\ufe0f\u20e3 Enter the amount and MPIN to confirm.<\/p>\n<h4><strong>(B) Pass-through account + IFSC<\/strong><\/h4>\n<p>1\ufe0f\u20e3Internet Banking, select \"Fund Transfer\" \u2192 \"IMPS\".<br \/>\n2\ufe0f\u20e3 Fill in the payee account, IFSC and amount.<br \/>\n3\ufe0f\u20e3 Authorisation with OTP\/Double Authentication.<\/p>\n<hr>\n<h3>6.*<em>Cost structure<\/em><\/h3>\n<p>Most banks have IMps fees of:<\/p>\n<h3><strong>6. Cost structure (continued)<\/strong><\/h3>\n<p>Most banks charge the following fees for IMPS transactions (varies from bank to bank):<\/p>\n<table>\n<thead>\n<tr>\n<th><strong>Range of transaction amounts<\/strong><\/th>\n<th><strong>Handling fee (\u20b9)<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u20b91 ~ \u20b91,000<\/td>\n<td>\u20b92.5 ~ \u20b95<\/td>\n<\/tr>\n<tr>\n<td>\u20b91,001 ~ \u20b910,000<\/td>\n<td>\u20b95 ~ \u20b915<\/td>\n<\/tr>\n<tr>\n<td>&gt;\u20b910,000<\/td>\n<td>Usually not more than \u20b925<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<ul>\n<li><em>Some public sector banks (e.g. SBI) waive charges on small transfers<\/em>.<\/li>\n<li><em>Private banks (e.g. HDFC, ICICI) may charge higher fees<\/em>.<\/li>\n<\/ul>\n<blockquote>\n<p>\u26a0\ufe0f <strong>take note of<\/strong>: There are no fees to be paid by the recipient and NPCI does not charge the user directly; the fees are determined by the originating bank.<\/p>\n<\/blockquote>\n<hr>\n<h3><strong>7. Analysis of the advantages and disadvantages of IMPS<\/strong><\/h3>\n<h4>\u2705 <strong>vantage<\/strong><\/h4>\n<ul>\n<li><strong>prompt settlement<\/strong>: Faster than NEFT\/RTGS for urgent needs.<\/li>\n<li><strong>Available 24\/7<\/strong>: Not subject to bank opening hours or holidays.<\/li>\n<li><em><strong>wide coverage<\/strong><\/em>: Supported by almost all Indian commercial banks and some co-operative banks.<\/li>\n<\/ul>\n<h4>\u274c <strong>drawbacks<\/strong><\/h4>\n<ul>\n<li><em><strong>Lower limits<\/strong><\/em>: Not suitable for large transfers (need to switch to RTGS).<\/li>\n<li><em><strong>Dependency on MMID\/IFSC<\/strong><\/em>: Incorrect information may cause the transfer to fail or funds to be held up.<\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"<p>India's Immediate Payment System (IMPS, Immediate Payme...<\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[38],"tags":[],"class_list":["post-3138","post","type-post","status-publish","format-standard","hentry","category-38"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.9 (Yoast SEO v23.7) - 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