*99# for Mobile Banking – Dial USSD *99# for Check Bank Balance, Mini Statement & Fund Transfer by IMPS

*99# for Mobile Banking 2019 – Dial USSD *99# for Check Bank Balance, Mini Statement & Fund Transfer by IMPS. Check List of 51 Banks offering this service. Dial *99# to access your bank account from any handset, Dial *99# from your phone and check your bank balance, check your statement, Send Money Using MMID, Send Money Using IFSC Code etc. Dial *99# for all Mobile Banking Services Like – Bank Balance Enquiry, Mini Statement & Fund Transfer through IMPS etc. You may also check FAQs on *99# Service in this article.

99#, a USSD based mobile banking service of NPCI was initially launched in November 2012. The service had limited reach and only two TSPs were offering this service i.e. MTNL & BSNL.Understanding the importance of mobile banking in financial inclusion in general and of *99# in particular, various regulatory/trade bodies came together to ensure on boarding of all TSPs on *99# (USSD 1.0). With the wider ecosystem (11 TSPs), *99# was dedicated to the nation by Hon’ble Prime minister on 28th August 2014, as part of Pradhan Manti Jan Dhan Yojna.

*99# for Mobile Banking – Dial USSD *99#

*99# for Mobile Banking

What is *99#?

*99# is a USSD (Unstructured Supplementary Service Data) based mobile banking service from NPCI that brings together diverse ecosystem partners such as Banks & TSPs (Telecom Service Providers). Using *99# service, a customer can access financial services by dialling *99# from his/her mobile registered with the bank. The service works across all GSM service providers and handsets.

*99# service has been launched to take the banking services to every common man across the country. Banking customers can avail this service by dialing *99#, a “Common number across all Telecom Service Providers (TSPs)” on their mobile phone and transact through an interactive menu displayed on the mobile screen. Key services offered under *99# service include, Sending and Receiving interbank account to account funds, balance enquiry, setting / changing UPI PIN besides host of other services. *99# service is currently offered by 41 leading banks & all GSM service providers and can be accessed in 13 different languages including Hindi & English. *99# service is a unique interoperable direct to consumer service that brings together the diverse ecosystem partners such as Banks & TSPs (Telecom Service Providers).

Key Features of *99# Mobile Banking Service

  • You can access your bank account without enabling internet service. This service uses voice connectivity
  • Accessible through a common code *99# across all TSPs
  • No additional charges while roaming for using the service But Rs 1.50 (per session) will be deducted from your mobile account balance for using this service.
  • Works across all GSM service providers and mobile handsets
  • Round the clock availability to customers (works even on holidays) The Funds remitted using the *99# service can be received by the beneficiary 24/7 .
  • No need to install any application on mobile handset to use the service
  • Additional channel for banking services and key catalyst for financial inclusion

List of Services Available Under *99#

*99# service can be used by the customers for the following purposes: a) Financial b) Non-Financial c) Value Added Services (VAS)

Currently, following Financial, Non-financial and Value Added Services (VAS) are offered through *99# service.

Financial ServicesSending Money using Mobile No
Sending Money using UPI ID
Sending Money using Aadhaar No.
Sending Money using Account No. + IFSC
Requesting Money using UPI ID / Mobile No.
Non-Financial ServicesAccount Balance
Set UPI PIN
Change UPI PIN
Last 5 transactions
Value Added Services(*99*99#)Aadhaar linking Status
PMJDY A/C Overdraft Status

How to Use or Access Mobile Banking Service Via *99#

The service can be availed by dialing *99# from any GSM mobile phone. As a pre-requisite, the customer is required to register his/her mobile number with his bank for the mobile banking services. The customers already using mobile banking will be able to use this service without any additional registration by dialling *99# from their GSM mobile handset. The customers not registered for mobile banking service will have to contact their respective banks for mobile banking registration

If you have not registered for mobile banking service, you will have to contact your respective bank(s) for mobile banking registration.

Balance Enquiry, Mini Statement, Fund Transfer, Generate MPIN etc.

  • Dial *99# from your Mobile handset.
  • Welcome screen will appear asking you to enter your bank’s 3 letters short name or first 4 letters of IFSC.
  • After entering valid IFS Code or short name, menu will appear with different options of available services enabled for your bank. For example – Short name for SBI is SBI, First 4 letters of IFSC code is SBIN and the 2 digit direct code for SBI Bank is ’41’ (you can Dial *99*41# directly to access your SBI account). You may Find other banks short code or direct codes at below of this article…
  • Enter 1 for Balance Enquiry, Enter 2 for Mini Statement and submit, Enter 6 for Know Your MMID,Enter 7 for Change MPIN and submit.
  • A confirmation screen will appear displaying the available balance or Mini Statement etc.

*99# for Mobile Banking

Fund Transfer using MMID and Mobile Number

User can transfer funds by using MMID and Mobile number of the Beneficiary. The transaction flow for the same is as follows:

  • Dial *99# from your Mobile handset.
  • Welcome screen will appear asking you to enter your bank’s 3 letters short name or first 4 letters of IFSC.
  • After entering valid IFS Code or short name, menu will appear with different options of available services enabled for your bank.
  • Enter 3 for Fund Transfer using MMID and Mobile Number and submit.
  • Subsequent screen to enter Beneficiary Mobile number, MMID, Amount and Remarks (Optional) will appear.
  • Enter MPIN and last 4 digits of account number (Optional).
  • A confirmation screen will appear showing success response.

Fund Transfer using IFSC and Account Number

User can transfer funds by using IFS Code and Account Number of the Beneficiary. The transaction flow for funds transfer using Account Number and IFS Code is as follows:

  • Dial *99# from your Mobile handset.
  • Welcome screen will appear asking you to enter your bank’s 3 letters short name or first 4 letters of IFSC.
  • After entering valid IFS code or short name, menu will appear with different options of available services enabled for your bank.
  • Enter 4 for Fund Transfer using Account Number and IFSC and submit.
  • Subsequent screen to enter Beneficiary Account Number, IFS Code, Amount and Remarks (Optional) will appear.
  • Enter MPIN and last 4 digits of account number (Optional).
  • A confirmation screen will appear showing success response

Fund Transfer using Aadhaar Number

User can transfer funds by using Aadhaar Number of the Beneficiary. The transaction flow for funds transfer using Aadhaar Number is as follows:

  • Dial *99# from your Mobile handset.
  • Welcome screen will appear asking you to enter your bank’s 3 letters short name or first 4 letters of IFSC.
  • After entering valid IFS Code or short name, menu will appear with different options of available services enabled for your bank.
  • Enter 5 for Fund Transfer using beneficiary Aadhaar number.
  • Subsequent screen to enter Beneficiary Aadhaar Number will appear.
  • Enter MPIN and last 4 digits of account number (Optional).
  • A confirmation screen will appear showing success response.

Note: The above are the standard process, however for authentication, different banks may use additional security means such as:

  • Enter Last 4 digit of your Account number OR
  • Enter User Id

Is there a facility/option available to Stop/Cancel financial transactions initiated using *99# service?

No. Since the *99# service uses IMPS channel which is an immediate fund transfer service; hence, it will not be possible to stop/cancel financial transaction after it has been initiated.

List of Banks offering *99# service

Please Check List of all banks offering *99# service with Short Code, IFSC Code and Multimodal Code. In this file you may find (The banks’ short codes, first 4 letters of IFSC Codes and Direct codes)

List of Live Banks with IFSC & Bank Code 

Bank NameFirst 4 Letters of IFSCShort CodeNumeric Code
Allahabad BankALLAALB54
Andhra BankANDBANB59
Axis BankUTIBAXI45
Bank of BarodaBARBBOB48
Bank of IndiaBKIDBOI47
Bank of MaharashtraMAHBBOM61
Canara BankCNRBCNB46
Central Bank of IndiaCBINCBI51
City Union BankCIUBCUB97
Corporation BankCORPCRB57
DCB Bank Ltd.DCBLDCB78
Dena BankBKDNDNB65
HDFC BankHDFCHDF43
ICICI BankICICIICI44
IDBI BankIBKLIDB49
IDFC BankIDFBIDF92
Indian BankIDIBINB58
Indian Overseas BankIOBAIOB52
IndusInd BankINDBIIB69
Karnataka BankKARBKBL76
Karur Vysya BankKVBLvysya75
Kotak Mahindra BankKKBKKMB68
Oriental Bank of CommerceORBCOBC53
Punjab National BankPUNBPNB42
South Indian BankSIBLSIB74
State Bank of IndiaSBINSBI41
Syndicate BankSYNBSYB55
TJSB BankTJSBTSB96
UCO BankUCBAUCO56
Union Bank of IndiaUBINUOB50
United Bank of IndiaUTBIUBI63
Vijaya BankVIJBVJB64
Ratnakar BankRATNRBL79
Thane Bharat Sahkari BankTBSBTBS112
Punjab & Sindh bankPSIBPSB71
Apna Sahkari BankASBLAPN85
Janata Sahkari BankJSBPJSB81
Mehsana Urban Co-Op BankMSNUMUC82
Vasai Vikas Sahkari BankVVSBVVS113
Punjab & Maharashtra Co-Op BankPMCBPMC88
Jammu And Kashmir BankJAKAJKB98
Airtel Payment BankAIRPARL
Apna Sahkari BankASBLAPN
G P Parsik BankPJSBGPB
Laxmi Vilas BankLAVBLVB
Rajkot Nagarik Sahkari Bank Ltd.RNSBRKN
Saraswat BankSRCBSRC
The Kalyan Janata Sahkari Bank LtdKJSBKJB

List of Telecom Service Providers offering *99# service

S. No.Telco Name
1AIRCEL
2AIRCEL
3BSNL
4IDEA
5MTNL
6QUADRANT
7RELIANCE
8TATA
9UNINOR
10VODAFONE
11VIDEOCON

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