Mobile Banking Service
Immediate Payment Service (IMPS)

Now you can send/receive money using mobile number and an additional 7 digit MMID number. The benefits are multiple-

  • No need to register the payee/beneficiary.

  • Transfer of funds is real time i.e. the credit will hit beneficiarys account almost instantaneously.

Only Mobile Banking customers can remit money under IMPS. However, all customers can receive funds in their accounts using this Service.

If you wish to receive funds through IMPS, please register your mobile number with the Bank and get 7 digit MMID. For receiving remittance, you will share your mobile number and MMID with the person sending money (remitter).

How to get MMID number?

All our mobile banking customers are issued 7 digit MMID for the primary account registered. For obtaining MMID for other accounts, they may visit the Branch and apply for MMID by filling up a form.

You can also generate MMID for all your accounts enable for Mobile Banking Service, through menu option- IMPS- Generate MMID.

Customers not registered for Mobile Banking Service can register their mobile number at SBI ATM to get MMID for the primary account linked to the ATM card:

Swipe your Debit Card > Select Mobile Registration> enter ATM PIN > Select SMS /Secure Code / IMPS > enter your mobile number > Confirm.

Customers not having ATM card / Customers having more than one account, can visit their Branch and apply for MMID, by filling up a form.

7 digit MMID number will be sent to you over SMS on the mobile number used for registration.

How to transfer funds using this Service?

Customers using the Application based service may please follow the steps as under:

  • Open the mobile banking application

  • Select Funds Transfer > Select Mobile to Mobile Transfer (IMPS) >enter mobile number of the payee > enter MMID of the payee > Enter purpose (optional) >enter amount > select account to be debited

  • Choose OK

  • Enter MPIN

  • Choose confirm and send the request.

The customers using the USSD based service may choose the IMPS option 7 after successful login and respond as follows:

  • Enter the Mobile No of the payee

  • Enter the MMID of the payee

  • Enter the purpose

  • Enter amount

  • Enter the MPIN and complete the request

Customers using the SMS Banking can send the message using the following key words to 9223440000 for making a funds transfer through IMPS.

< IMPS >< Mobile No >< MMID >< amount > < User ID >< MPIN >< Purpose(Optional- 20 Char)>

Forgotten your MMID?

You can retrieve the MMID for your account using any of the following methods:

Send the message MMID SBI to 9223440000 (for retrieving MMID for all accounts)


Send the message MMID SBI account number to 9223440000(for retrieving MMID for a particular account)


If you are registered for Mobile Banking Service, using the application mode, please retrieve the MMID for the accounts enabled for Mobile Banking through menu option- IMPS- Retrieve MMID.

  • Call toll-free number 1800 425 3800.

  • Chose Mobile Banking (Option 5)

  • You will be attended to by Customer Service Representative.

  • Provide Mobile Number.

  • You will be asked to validate certain particulars.

  • On successful validation, MMID will be sent by SMS to you.

Deregistration/Cancellation of MMID

Send SMS to 9223440000 in the following format

MMIDCANCEL SBI (for Cancelling MMID for all accounts)

MMIDCANCEL SBI account number (for cancelling MMID for a particular account)

If you are registered for Mobile Banking Service, using the application mode and wish to cancel the MMID allotted to the account enabled for Mobile Banking, you may use the menu option available in the Mobile Banking Service through option- IMPS- Cancel MMID

Please note:

For changing Mobile number, the customer has to deregister first and register again with new Mobile Number.

PARTICIPATING BANKS  An updated list of participating Banks is available under NPCI website -