*99# for Mobile Banking 2023 Dial *99# for Bank Balance

*99# for Mobile Banking 2023 – 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.

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.

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 Name	IFSC	Short Code
1	DCB Bank	DCBL	DCB
2	Axis Bank	UTIB	AXI
3	Andhra Bank	ANDB	ANB
4	Karnataka Bank	KARB	KBL
5	Union Bank of India	UBIN	UOB
6	Vijaya Bank	VIJB	VJB
7	Punjab National Bank	PUNB	PNB
8	YES Bank	YESB	YBL
9	IndusInd Bank	INDB	IIB
10	Bank of Maharashtra	MAHB	BOM
11	The Thane Janta Sahakari Bank Ltd(TJSB)	TJSB	TSB
12	The Ratnakar Bank Limited	RATN	RBL
13	ICICI Bank	ICIC	ICI
14	Canara Bank	CNRB	CNB
15	UCO Bank	UCBA	UCO
16	South Indian Bank	SIBL	SIB
17	IDFC	IDFB	IDF
18	IDBI Bank	IBKL	IDB
19	Allahabad Bank	ALLA	ALB
20	Kotak Mahindra Bank	KKBK	KMB
21	Bank Of Baroda	BARB	BOB
22	HDFC	HDFC	HDF
23	State Bank Of India	SBIN	SBI
24	Dena Bank	BKDN	DNB
25	Karur Vysaya Bank	kvbl	vysya
26	Standard Chartered	SCBL	SCB
27	Indian Bank	IDIB	INB
28	Central Bank of india	CBIN	CBI
29	Syndicate Bank	SYNB	SYB
30	Indian Overseas Bank	IOBA	IOB
31	Bank Of India	BKID	BOI
32	Punjab and Sind Bank	PSIB	PSB
33	City Union Bank	CIUB	CUB
34	The Lakshmi Vilas Bank Limited	LAVB
35	G P Parsik Bank	PJSB	GPB
36	Vasai Vikas Co-op Bank Ltd	VVSB	VVS
37	Thane Bharat Sahakari Bank	TBSB	TBS
38	Apna Sahakari Bank	ASBL	APN
39	Janta Sahakari Bank Pune	JSBP	JSB
40	Rajkot Nagari Sahakari Bank Ltd	RNSB	RKN
41	Punjab and Maharastra Co. bank	PMCB	PMC
42	Jammu & Kashmir Bank	JAKA	JKB
43	The Mehsana Urban Co-Operative Bank	MSNU	MUC
44	Bandhan Bank	BDBL	BDN
45	The Saraswat Co-Operative Bank	SRCB	SRC
46	The Kalyan Janta Sahkari Bank	KJSB	KJB
47	Kallappanna Awade Ichalkaranji Janata Sahakari Bank Ltd.	KAIJ	KIJ
48	The Gujarat State Co-operative Bank Limited	GSCB	GSC
49	The Hasti Co-operative Bank Ltd	HCBL	HTI
50	The Mahanagar Co-Op. Bank Ltd	MCBL	MCB
51	Airtel Payments Bank	AIRP	ARL
52	FINO Payments Bank	FINO	FIN
53	Kerala Gramin Bank	KLGB	KLG
54	Pragathi Krishna Gramin Bank	PKGB	PKB
55	Karnataka vikas Gramin Bank	KVGB	KVG
56	Andhra Pragathi Grameena Bank	APGB	AND
57	Prathama Bank	PRTH	PRT
58	Maharashtra Grameen Bank	MAHG	MGB
59	Purvanchal Bank	SBIN0RRPUGB	PUR
60	Rajasthan Marudhara Gramin Bank	SBIN0RRMRGB	RMG
61	Telangana Gramin Bank	SBIN0RRDCGB	TGB
62	Chhattisgarh Rajya Gramin Bank	SBIN0RRCHGB	CHB
63	Saurashtra Gramin Bank	SBIN0RRSRGB	SAG
64	Andhra Pradesh Grameena Vikas Bank	SBIN0RRAPGB	AVP
65	Uttarakhand Gramin Bank	SBIN0RRUTGB	UKG
66	Meghalaya Rural Bank	SBIN0RRMEGB	MRB
67	Mizoram Rural Bank	SBIN0RRMIGB	MZR
68	Vananchal Gramin Bank	SBIN0RRVCGB	VGB
69	Baroda Rajasthan Kshetriya Gramin Bank	BARBOBRGBXX	BKG
70	Dena Gujarat Gramin Bank	BKDN0700000	DGB
71	Chaitanya Godavari Grameena Bank	ANDB0CGGBHO	CGG
72	Baroda Uttar Pradesh Gramin Bank	BARBOBUPGBX	BUB
73	Baroda Gujarat Gramin Bank	BARB0BGGBXX	BGI
74	Dhanlaxmi Bank	DLXB	DLB
75	Paschim Banga Gramin Bank	UCBA0RRBPBG	PBG
76	Ujjivan Small Finance Bank Limited	UJVN	UIJ
77	Federal Bank	FDRL	FBL
78	Jana Small Finance Bank	JSFB	JSF
79	J & K Grameen Bank	JAKA0GRAMEN	JKG
80	Punjab Gramin Bank	PUNB0PGB003	PGB
81	Himachal Pradesh Gramin Bank	PUNB0HPGB04	HGB
82	Sarva Haryana Gramin Bank	PUNB0HGB001	SBG
83	AU Small Finance Bank	AUBL	AUS

List of Telecom Service Providers offering *99# service

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

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