*99# for Mobile Banking 2021 Dial *99# for Bank Balance

*99# for Mobile Banking 2021 – Dial USSD *99# for Check Bank Balance, Mini Statement & Fund Transfer by IMPS. Unlike UPI, it does not require a smartphone and access to the internet but uses specified codes for transactions. This USSD interface (also called *99# service) was developed by NUUP (National Unified USSD Platform) to overcome the problem of poor internet connectivity in rural areas. It came up with the option of 12 regional languages in addition to English. Currently, this service is being offered by 51 banks. BHIM app as mentioned above can come up with USSD features as well.

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 the onboarding 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# 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 dialing *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 of 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 inquiry, setting / changing UPI PIN besides a host of other services.

*99# service is currently offered by 83 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 a 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 Services Sending 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 Services Account 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

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

  • Dial *99# from your Mobile handset.
  • The welcome screen will appear asking you to enter your bank’s 3 letters short name or first 4 letters of IFSC.
  • After entering a valid IFS Code or short name, a menu will appear with different options of available services enabled for your bank. For example – The short name for SBI is SBI, the First 4 letters of the IFSC code are SBIN and the 2 digits direct code for SBI Bank is ’41’ (you can Dial *99*41# directly to access your SBI account). You may Find other banks’ shortcode or direct codes below in 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
*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)

*99# bank list 2021

Sr. No.Bank NameIFSCShort Code
1DCB BankDCBLDCB
2Axis BankUTIBAXI
3Andhra BankANDBANB
4Karnataka BankKARBKBL
5Union Bank of IndiaUBINUOB
6Vijaya BankVIJBVJB
7Punjab National BankPUNBPNB
8YES BankYESBYBL
9IndusInd BankINDBIIB
10Bank of MaharashtraMAHBBOM
11The Thane Janta Sahakari Bank Ltd(TJSB)TJSBTSB
12The Ratnakar Bank LimitedRATNRBL
13ICICI BankICICICI
14Canara BankCNRBCNB
15UCO BankUCBAUCO
16South Indian BankSIBLSIB
17IDFCIDFBIDF
18IDBI BankIBKLIDB
19Allahabad BankALLAALB
20Kotak Mahindra BankKKBKKMB
21Bank Of BarodaBARBBOB
22HDFCHDFCHDF
23State Bank Of IndiaSBINSBI
24Dena BankBKDNDNB
25Karur Vysaya Bankkvblvysya
26Standard CharteredSCBLSCB
27Indian BankIDIBINB
28Central Bank of indiaCBINCBI
29Syndicate BankSYNBSYB
30Indian Overseas BankIOBAIOB
31Bank Of IndiaBKIDBOI
32Punjab and Sind BankPSIBPSB
33City Union BankCIUBCUB
34The Lakshmi Vilas Bank LimitedLAVB
35G P Parsik BankPJSBGPB
36Vasai Vikas Co-op Bank LtdVVSBVVS
37Thane Bharat Sahakari BankTBSBTBS
38Apna Sahakari BankASBLAPN
39Janta Sahakari Bank PuneJSBPJSB
40Rajkot Nagari Sahakari Bank LtdRNSBRKN
41Punjab and Maharastra Co. bankPMCBPMC
42Jammu & Kashmir BankJAKAJKB
43The Mehsana Urban Co-Operative BankMSNUMUC
44Bandhan BankBDBLBDN
45The Saraswat Co-Operative BankSRCBSRC
46The Kalyan Janta Sahkari BankKJSBKJB
47Kallappanna Awade Ichalkaranji Janata Sahakari Bank Ltd.KAIJKIJ
48The Gujarat State Co-operative Bank LimitedGSCBGSC
49The Hasti Co-operative Bank LtdHCBLHTI
50The Mahanagar Co-Op. Bank LtdMCBLMCB
51Airtel Payments BankAIRPARL
52FINO Payments BankFINOFIN
53Kerala Gramin BankKLGBKLG
54Pragathi Krishna Gramin BankPKGBPKB
55Karnataka vikas Gramin BankKVGBKVG
56Andhra Pragathi Grameena BankAPGBAND
57Prathama BankPRTHPRT
58Maharashtra Grameen BankMAHGMGB
59Purvanchal BankSBIN0RRPUGBPUR
60Rajasthan Marudhara Gramin BankSBIN0RRMRGBRMG
61Telangana Gramin BankSBIN0RRDCGBTGB
62Chhattisgarh Rajya Gramin BankSBIN0RRCHGBCHB
63Saurashtra Gramin BankSBIN0RRSRGBSAG
64Andhra Pradesh Grameena Vikas BankSBIN0RRAPGBAVP
65Uttarakhand Gramin BankSBIN0RRUTGBUKG
66Meghalaya Rural BankSBIN0RRMEGBMRB
67Mizoram Rural BankSBIN0RRMIGBMZR
68Vananchal Gramin BankSBIN0RRVCGBVGB
69Baroda Rajasthan Kshetriya Gramin BankBARBOBRGBXXBKG
70Dena Gujarat Gramin BankBKDN0700000DGB
71Chaitanya Godavari Grameena BankANDB0CGGBHOCGG
72Baroda Uttar Pradesh Gramin BankBARBOBUPGBXBUB
73Baroda Gujarat Gramin BankBARB0BGGBXXBGI
74Dhanlaxmi BankDLXBDLB
75Paschim Banga Gramin BankUCBA0RRBPBGPBG
76Ujjivan Small Finance Bank LimitedUJVNUIJ
77Federal BankFDRLFBL
78Jana Small Finance BankJSFBJSF
79J & K Grameen BankJAKA0GRAMENJKG
80Punjab Gramin BankPUNB0PGB003PGB
81Himachal Pradesh Gramin BankPUNB0HPGB04HGB
82Sarva Haryana Gramin BankPUNB0HGB001SBG
83AU Small Finance BankAUBLAUS

List of Telecom Service Providers offering *99# service

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

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