December 08, 2016

*99# Service

One of the innovative payment service launched by NPCI includes *99# service, which works on Unstructured Supplementary Service Data (USSD) channel. This service was launched envisioning the potential of Mobile Banking and the need for immediate low value remittances which will help in financial deepening and inclusion of underbanked society in the mainstream banking services. *99# service was dedicated to the nation by the Honorable Prime Minister of India Shri Narendra Modi on 28th August 2014 as part of Pradhan Mantri Jan Dhan Yojana (PMJDY).

*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, interbank account to account fund transfer, balance enquiry, mini statement besides host of other services. *99# service is currently offered by 43 leading banks & all GSM service providers and can be accessed in 12 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).
*99# Service  on Scribd

It is a common technology platform developed by NPCI which allows the Banks and TSPs to seamlessly integrate with each other to provide banking services to the customers at large over the mobile phones (basic as well as smartphone).

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

Financial Services Fund Transfer (P2P)
Fund Transfer (P2A)
Fund Transfer (P2U)
Non-Financial Services Know MMID
  • Generate MPIN
  • Change MPIN
Change MPIN
Generate OTP
Balance Enquiry
Mini Statement
Value Added Services QSAM (Query Service on Aadhaar Mapper) or *99*99#

 Features of *99# Service
  • Works without Internet – Uses voice connectivity
  • Round the clock availability (works even on holidays)
  • Accessible through a common code *99# across all TSPs
  • Works across all GSM service providers and mobile handsets
  • Additional channel for banking and key catalyst for financial inclusion
  • Service also offered through BC Micro ATMs to serve the rural populace

S. No. Bank Name Category First 4 Letters of IFSC Short Code Multimodal Code
1 Abhyudaya Co-op Bank Co-op ABHY ACB *99*87#
2 Allahabad Bank Public ALLA ALB *99*54#
3 Andhra Bank Public ANDB ANB *99*59#
4 Apna Sahakari Bank Co-op ASBL APN *99*85#
5 Axis Bank Private UTIB AXB *99*45#
6 Bank of Baroda Public BARB BOB *99*48#
7 Bank of India Public BKID BOI *99*47#
8 Bank of Maharashtra Public MAHB BOM *99*61#
9 Bhartiya Mahila Bank Public BMBL BMB *99*86#
10 Canara Bank Public CNRB CNB *99*46#
11 Central Bank of India Public CBIN CBI *99*51#
12 Corporation Bank Public CORP CRB *99*57#
13 DCB Bank Private DCBL DCB *99*65#
14 Dena Bank Public BKDN DNB *9978#
15 Federal Bank Private FDRL FBL *9972#
16 Gujarat State Co-op Bank Co-op GSCB GSC *99*90#
17 Hasti Co-op Bank Co-op HCBL HCB *99*89#
18 HDFC Bank Private HDFC HDF *99*43#
19 ICICI Bank Private ICICI ICI *99*44#
20 IDBI Bank Public IBKL IDB *99*49#
21 Indian Bank Public IDIB INB *99*58#
22 Indian Overseas Bank Public IOBA IOB *99*52#
23 IndusInd Bank Private INDB IIB *99*69#
24 ING Vysya Bank Private VYSA ING NA
25 Janata Sahakari Bank Co-op JSBP JSB *99*81#
26 Karnataka Bank Private KARB RIB *9976#
27 Karur Vysya Bank Private KVBL RVB *9975#
28 Kotak Mahindra Bank Private KKBK RMB *99*68#
29 Mehsana Urban Co-op Bank Co-op MSNU MUC *99*82#
30 Nainital Bank Co-op NTBL NTB *99*80#
31 NKGSB Co-op Bank Co-op NKGS NGB *99*83#
32 Oriental Bank of Commerce Public ORBC OBC *99*53#
33 Punjab & Maharashtra Co-op Bank Co-op PMCB PMC *99*88#
34 Punjab & Sind Bank Public PS IB PSB *9971#
35 Punjab National Bank Public PUNB PNB *99*42#
36 RBL Bank Private RATN RBL *9979#
37 Saraswat Bank Co-op SRCB SRC *99*84#
38 State Bank of Bikaner & Jaipur Public SBBJ SBJ *9970#
39 State Bank of Hyderabad Public SBHY SBH *99*60#
40 State Bank of India Public SBIN SBI *99*41#
41 State Bank of Mysore Public SBMY SBM *9973#
42 State Bank of Patiala Public STBP SBP *99*62#
43 State Bank of Travancore Public SBTR SBT *99*67#
44 Syndicate Bank Public SYNB SYB *99*55#
45 Tamilnad Mercantile Bank Private TMBL TMB *9977#
46 The South Indian Bank Private SIBL SIB *9974#
47 UCO Bank Public UCBA UCO *99*56#
48 Union Bank of India Public UBIN UOB *99*50#
49 United Bank of India Public UTBI UBI *99*63#
50 Vijaya Bank Public VIJB VJB *99*64#
51 Yes Bank Private YESB YBL *99*66#


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