National Payments Corporation of India http://www.npci.org.in/impsmerpay11.

aspx

IMPS merchant payments > Participating Banks on IMPS Merchant Payments > State Bank of
India
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1. How to register mobile number

2. How to generate MMID

3. How to get M-PIN

4. How to perform P2M PUSH transaction

5. How to generate OTP

6. Demonstration of Transaction

7. Amount limits and Bank charges

8. Contact information

9. Functionalities available

SBI - How to register for mobile banking

Available on all 4 Modes: Application(SMS or GPRS) / WAP / USSD / SMS Banking

1. 1.Send MBSREG to 9223440000 or 567676

2. Receive UserID and Default MPIN

3. Download Application on JAVA Mobile from http://mobile.onlinesbi.com/ or from Android

Market on Android Mobiles.

WAP URL:http://mobile.onlinesbi.com/sbiwap/

USSD: Dial *595# on GSM operators like Airtel, Idea, Vodafone, Aircel, Uninor, MTNL etc.

SMS Banking: Keywords like SMPIN, SBAL, SMIN, etc with UserId & MPIN to 9223440000

4. Change Default MPIN thru any one of the chosen Mode to avail MBS on that Mode.

5. Register A/c At ATM >MobReg>Mob Banking>10 digit Mob No. Or Apply at Branch CBS.

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SBI - How to generate MMID

1. All registered Mobile Banking Users will be allotted MMID and which will be Send through
SMS on next day of registration.

2. For others to Generate MMID

3. Go to ATM >MobReg>SMS SMS Alert / 3DSecured Code / IMPS>10 digit Mob No. Or

4. Apply at the Branch for online registration.

5. User will Receive MMID through SMS.

6. For Retrieval/Cancellation of MMID:

a. Send SMS “MMID SBI” to 9223440000 to retrieve your MMID.

b. Send SMS “MMIDCANCEL” to 9223440000 to cancel your MMID.

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SBI - How to get M-PIN

After sending SMS <MBSREG> to 9223440000/ 567676, customer will receive the User ID and
default MPIN via SMS on Mobile no. Change default M-PIN through any one of the chosen modes
(mobile banking application / WAP application / USSD/SMS) to avail mobile banking service on that
mode

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SBI - How to do IMPS P2M PUSH transaction

Through Mobile Banking Application

1. Log on to mobile banking application using your user id

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Through Mobile Banking Application

1. Log on to mobile banking application using your user id

2. Select option ‘IMPS – Immediate Payment Service’ in the main menu

3. Select option ‘IMPS merchant payments’ in the sub-menu

4. Enter details: Merchant mobile number, Merchant MMID, Amount, Payment Reference

5. Enter M-PIN

6. Transaction status will be displayed on the screen

7. Transaction status will also be sent as SMS alert on customer mobile

Through SMS

Send a message to 9223440000 using the following keywords:

<MIMPS> <Merchant Mobile No> <Merchant MMID> <amount> <User ID> <MPIN> <Payment
Reference>

Business rules
The daily ceiling is Rs. 1,000 per transaction per customer for fund transfer / other transactions
and with a calendar month limit of Rs. 5,000 per customer. The customers desiring to transact for
higher limits may obtain OTP (One Time Password) before doing the transaction. The process of
obtaining the OTP is detailed below.The daily ceiling for transactions with OTP will be Rs5000/-
per customer for fund transfer / other transactions and with a calendar month limit of Rs. 25,000
per customer.

Process for obtaining OTP

The customer to call the Bank’s contact centre toll free number 18004253800 from the mobile
number registered for the service. The customer will be required to enter the last four digits of the
account number and the last three digits of the user ID for validating and sending the OTP. The
OTP will be advised to the customer over IVR and also over SMS to the mobile number.

If the transaction requires an OTP, the following SMS should be sent:

<OTP> <OTP number> <MIMPS> <Merchant Mobile No> <Merchant MMID> <amount> <User
ID> <MPIN> <Payment Reference>

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SBI - How to generate OTP

Using the mobile banking application

1. Log on to mobile banking application using your user id

2. Select option ‘IMPS – Immediate Payment Service’ in the main menu

3. Select option ‘Generate OTP’ in the sub-menu

4. Enter M-PIN

5. The OTP will be displayed on the screen along with its validity amount and time

6. OTP will also be sent as SMS alert on customer mobile

Process flow for generation of OTP thru IVR is as follows

1. Customer dials contact centre telephone no 18004253800 from his register mobile

2. Upon choosing mobile Banking information option, and subsequently OTP option, IVR
prompts for last 4 digits of primary account no and last 3 digits of user id.

3. Bank validates the aforesaid credentials as success or failure and sends the OTP or the
failure message to customer and speaks out OTP to the customer.

The transaction limit for OTP generated through mobile banking application is Rs 50,000/- and
through IVR is Rs 5,000/- per transaction.
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SBI - Demonstration of Transaction

To check out demonstration of transaction, click here
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SBI - Amount limits and Bank charges

1. Through SMS and USSD – Rs 1,000/- per day and Rs 5,000/- per month

2. Through mobile banking application and WAP – Rs 50,000/- per day and Rs 2,50,000/- per
month

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SBI - Contact information

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SBI - Contact information

1. Customer care number - 1800228866/ 1800 42 53800 / 1800 11 2211

2. Website - https://www.sbi.co.in/user.htm?action=viewsection&lang=0&id=0,1,21,691,837

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SBI - Functionalities available

1. P2M PUSH – Customer Remittance and Merchant Acceptance

2. P2M PULL - Customer Remittance and Merchant Acceptance

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