*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
	MPIN 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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