IMPS kya hai aur kaise kam karata hai


Kya aap jante hain ki IMPS kya hai (IMPS in Hindi)? aap men se aise bahut log honge jo ki paise transfer karne ke lia IMPS kaa estmaal kiya hoga lekin kyaa aapko eske vishay men puri jaankaari hai. yadi nahin to ghabraeye nahin kyunki aaj ham esi vishay men janne vale hain. jaise ki ham jante hain ki aajakal sabhi chijen online men upalabdh hai. vaise hi banking ki suvidha bhi aajakal online men upalabdh hai.
Aaj aap ghar baithe hi apne sare banking ke kam kar sakte hain. jaise ki fund transfer, demand draft, passbook printing etyaadi. thik vaise hi aise bahut se services hain jiskaa ham estmal karte hain apne suvidhaa ke lia jaise ki RTGSNEFT aur IMPS. jaise ki hamne pahle hi ye jan liya hai kiNEFT aur RTGS kya hai. to esalia aaj ham IMPS kya hai ke vishay men janenge.
IMPS ko sabse pahle 2010 men laya gaya tha ab ese aaye hua lagabhag 8 saal ho gaye hain. ese NEFT aur RTGS ke baad introduce kiyaa gaya hai esalia ye logon ke bich jyada prasiddh hai. eska estmaal kar koi bhi ek hi jhatke men paison ke transfer ek account se dusre account tak kar sakta hai. esalia aaj mainne sochaa ki kyun n aap logon ko IMPS kya hai ke vishay men puri jankari de di jaaye jisse eske bare men aapko aur dusre jagah men dekhne ya padhne ki jarurat nahin hai. to phir binaa deri kiye chalia shuru karte hain aur IMPS kya hota hai aur kaise kam karta hai eske bare men jante hain.
IMPS kya Hai (IMPS in Hindi)
Sabse pahle jante hain ki IMPS ka Full Form hai Immediate Payment Service aur ese ham hindi men kah sakte hain tatkal bhugtan seva. IMPS ek aise bainking Payment System seva hai jiske tahat aap Real time men paise ko ek account se dusre account men bhej sakte hain. jahaan NEFTaur RTGS men paise bhejne men thoda samay lagta hai vahin IMPS ke madhyam se paise bhejne par ye tatkal hi complete ho jaataa hai, jisse hamen aur jyada entjar karne ki jarurat nahin pdti hai.
National Payments Corporation Of India ne sabse pahle Immediate Payment Service (IMPS) ki shuruvaat ki thi. es service ke dvaaraa aap chaubis ghante kabhi bhi mobaael phon, internet, ATM ke jariye kisi bhi baink men Electronic fund transfer kar sakte hain. es service ko sabse pahle agast 2010 men ek paayalat prajekt ke taur par shuru kiya gaya thaa aur baad men 22 navambar 2010 ko ese ek full service ke taur par launch kar diyaa gaya tha. halanki, shuruvat men ese keval kuchh ki bainkon jaise ki stet baink of india, icici baink, baink auph endiyaa ne hi lanch kiyaa tha, lekin bad men Axis baink aur HDFC baink jaise dusre private bainkon ne bhi yah sarvis shuru kar di. abNPCI ki website par yah sarvis muhaiya karane vaale sabhi bainkon ki puri list maujud hai.
IMPS ke dvara kaise paison kaa Transfer karen
Vaise dekha jaaye to aise bahut se tarike hain jinke dvara aap IMPS men paison kaa transfer kar sakte hain, unhi ke vishay men ham aaj puri jankari praapt karenge jise aap aage estmaal men la sakte hain.
IMPS karna Bank Account aur IFSC code ke dvara
IMPS ka estmaal karnaa bank account aur IFSC details ke dvara, yah ek bahut hi common tarika hai fund transfer karne ke lia. es method ke jariye aap kisi ko bhi jinkaa ki kisi bhi baink men agar ek account bhi ho tab bhi aap aasani se unhen paise transfer kar sakte hain. eske lia bas aapko ek achchha internet connection chaahia, jo ki net banking yaa mobile-banking data kuchh bhi ho esse koi frak nahin pdtaa hai. yahaan niche men mainne aapko process samjhaane ki koshish kari hai.
Sabse pahle apne net banking account par login karen.
Uske bad aap jise beneficiary ke hisaab se Add karnaa chaahte hain unke saari details bharakar unhen naye beneficiary ke hisaab se add karen. Beneficiary kaise add karen eski jankaari mainne pahle hi aapko de di hai. yahan par aapko bas sahi details check karne ki jarurat hai. Beneficiary addition process ke doraan aapko aapke mobile number par OTP aa sakti hai.
ek baar aapne beneficiary ko add kar lia, phir aap details ko select kar sakte hain aur aap jitna amount bhejnaa chaahte hain use mention kar sakte hain. eske alaavaa aap kuchh jaruri comments bhi likh sakte hain.
eske pashchaat aapko details verify karne ki jarurat hai. uske baad ek baar phir saare details ko carefully ek baar last time verify kar len apni tassli ke lia.
aakhir men ese confirm karen.
aisaa karne se turant hi paise aapke account se debit hokar receiver’s account men credit ho jaayenge kuchh hi palon men.
eske baad aap ek SMS receive karenge jahaan par aapke transaction ki details rahegi. ese sambhaal ke rakhen kyunki agar koi bhi pareshaani ho payment ko lekar tab aap bank vaalon ko ye reference number dikhaa sakte hain.
IMPS karna Mobile Number aur MMID ke dvara
Is process ko samajhne se pahle aapko ye samajhna jaruri hai ki ye MMID kaise kaam karta hai.
MMID aur IMPS ko samjhen
Agar aap IMPS ko estmal karnaa chaahte hain tab aapke paas ek bank account jo ki mobile-banking services ke lia enrolled honaa chahia aapke concerned bank ke sath. agar aapne abhi tak bhi apna mobile number apne bank ke saath register nahin kiya tab aapko apne bank ke nikatavarti branch men jaakar application form submit karna hoga es service ko prapt karne ke lia. ye forms bank’s official websites yaa net banking website par upalabdh hote hain jinhen aap asani se bhar sakte hain.
Ek baar aapne apne mobile number ko concerned bank men register kar liyaa, tab vo aapko ek unique seven-digit MMID code prdaan karenge jiskaa estmaal aap instant transfers IMPS ke dvara kar sakte hain. es MMID code men first four digits hote hain unique identification number us bank ke jo ki aapko ye IMPS ki suvidhaa prdaan kar rahi hai.
Agar apka multiple bank accounts hai, tab bhi aapkaa bank aapke sabhi bank account ke lia ek ek unique MMID number allocate karenge. chunki aapkaa MMID number ek combination hotaa hai aapke account number aur mobile phone number, esalia aap asani se ese samajh sakte hain ki konsaa MMID Code kis bank account ko refer karta hai.
Aise bahut se tarike hain jisse aap MMID code generate kar sakte hain aapke bank ke hisaab se. kuchh banks auto-generate kar lete hai aapke MMID code ko jab aap apne mobile number ko register karte hain mobile banking ke lia. kuchh banks aapko SMS request karne par allow karte hain seven-digit MMID code generate karne ke lia vahin kuchh men aapko online request dalna pdta hai apne net banking account se ese generate karne ke lia.
MMID ke dvara Fund Transfer kaise karen
Sabse pahle apne mobile banking app par Log in karen.
eske baa fund transfer section par jaaan aur IMPS select karen.
eske baad account number,mobile number aur MMID code add karen apne beneficiary ke aur apne transfer ko initiate karen.
aapko es transaction ko ek OTP aur mPIN ke dvaaraa verify phir kar sakte hain.
aapke account se paise debit hokar receiver’s ke account men immediately kuchh seconds men credit ho jaate hain.
eske pashchaat aap ek SMS receive karenge jahaan ki saari transaction details mention hoti hain. es reference number ko surakshit rakhen taaki kahin kuchh issue ho tab aap ese bank ko dikhaa sakte hain.
ATMs ke dvara IMPS kaise karen
Iske lia apko beneficiary’s ke Debit Card number ki jarurat hoti hai fund transfer karne ke lia ATMs ka estmal kar. lekin yahaan es method men aap kitne paise transfer kar sakte hain per day aur per month men eski ek limit hoti hai. eske lia aapko apne bank ke saath thoda Check karna hota hai. ye kuchh steps hain jinhen aapko palan karna hoga.
Sabse pahle apne Debit Card ko swipe karna hai aur apne ATM PIN ko enter karnaa hoga.
uske baad funds transfer option ko select karnaa hogaa aur phir IMPS ke option par jaanaa hogaa.
yahaan par aapkaa registered mobile number screen par pradarshit hogaa.
phir apne beneficiary’s mobile aur MMID number ko karnaa hotaa hai.
uske baad aap kitne amount transfer karnaa chaahte hain use bharen phir en details ko confirm karen aur phir use send kar den.
kuchh hi seconds men aapke accounts se paise debit hokar receiver ke account men credit ho jaate hain.
ek baar paise transfer ho jayen tab aapko ek SMS receive hoga jahaan aapke saare transaction details likhe honge.
SMS ke dvara IMPS kaise karen
Aapke pas internet connection nahin hai? phir bhi aap paise kaa transfer karnaa chaahte hain. bilakul bhi ghabraaeye nahin kyunki aap phir bhi IMPS service kaa estmaal kar sakte hain SMS ke dvaaraa. yahaan par bhi aap SMS format ke dvaaraa beneficiary add kar sakte hain. ye SMS format aap apne bank ke website se praapt kar sakte hain. dhyaan rahe ki ye format alag alag bank men alag alag hote hain. yahaan par mainne ek fomat aapko udhaaran ke rup men bataayaa hai.
IMPS <Beneficiary Mobile No><Beneficiary MMID><Amount><MPIN>
Ek baar ye khtm ho jaaye phir aap asani se paise bhej sakte hain.
Features of IMPS apakr Phone par
IMPS ke dvaara money transfer bahut hi safe aur secure hote hain NEFT aur RTGS ke jaise.
ye facility ko aap apne smart device yaa phone par aasaani se estmaal kar sakte hain agar aapke paas internet connection ho tab.
ye ek bahut hi fastest way hai paison kaa transfer karne ke lia alag alag bank accounts ke bich.
paise ko aap kisi ko bhi bhej sakte hain agar aapke paas unke mobile number hai tab.
yahaan par recipient ko jald hi amount credited ho jaate hain binaa kisi delays kaa.
yahaan par logon ko apne bank details share karne ki jarurat nahin hai fund transfer karne ke lia.
ye service pure varsh 24 ghante available hain.
yahaan par kisi bhi parties ko service ke estmaal ke lia koi charges dene ki jarurat nahin hai.
eske saath Notifications donon parties ko bheji jaati hai jab transaction complete ho jaaye jahaan par Sender ko paise kaa debit hone kaa message miltaa hai vahin Receiver ko paise kaa credit hone kaa message.
Currently IMPS ki transfer limit keval Rs. 50,000 hi hain.
eske lia aapke paas aapkaa bank’s ATM cum Debit Card kaa honaa jaruri hai.
aap apne Mobile ko bank ke saath registered karnaa hogaa jisse ki hamen saare SMS alerts praapt hon.
agar aapke paas basic handset hai, tab bhi aap es service kaa estmaal SMS aur texting ki madad se kar sakte hain.
kuchh banks men unke khud ke applications ke madad se aap IMPS ki suvidhaa utha sakte hain aur vo bhi bahut hi teji se.
IMPS ke benefits kya hain
IMPS fund transfer service ne Online transaction ki paribhaashaa hi badal kar rakh di hai. ye aaj apne users ko bahut saare benefits prdaan kar rahi hai agar unke users online/mobile banking services ko activate karen hua hain tab. yahaan men aapko IMPS ke benefits ke baare men bataane jaa rahaa hun.
Instant Fund Transfer: eske madad se aap real time men fund transfer kar sakte hain. eske lia apko bas receiver ka account number aur mobile number chaahia. ye saare transactions ek hi pal men ho jate hain.
Easy Process: ye puri process bahut hi jald puri hote hain aur eske sath ye user-friendly bhi hote hain. eske lia bas aapko beneficiary details ko add karna hota hai jaise ki ham NEFT/RTGS men karte hain aur active hone ke lia wait karte hain. kuchh banks naye beneficiary ko fund transfer karne ke lia jyada se jyaada 30 mins lagaate hain. esalia aapko unke naam, account number, IFSC or MMID (Mobile Money Identifier) Code, bank account type, jaise details ko apne saamne handy rakhna hota hai.
Round The Clock: samay kabhi bhi IMPS ke bich koi baadhaa utpann nahin karta hai kyunki aap IMPS Transfer kisi bhi samay kar sakte hai jahe vo Sunday ho ya koi Public Holiday.
Money Transfer Channels: IMPS men paise bhejne ke lia aap bahut se method ka estmal kar sakte hain jaise ki net banking, mobile banking, ATMs or SMSs etyaadi.
jahaan par internet ki suvidha bhi nahin hai vahaan par bhi aap SMS ke dvara IMPS men paise bhej sakte hain.
Open To All: es service ka estmal Resident yaa non-resident Indians (NRI) bhi kar sakte hain paison kaa transfer.
Security First: IMPS men money transfer bahut hi surakshit dhang se hotaa hai, esmen banks bahut baar check karne ke baad hi aapke transaction ko valid karte hain. lekin dhyaan rahen ki agar aapne koi wrong beneficiary details bharaa hogaa tab ye fault keval aapki hi hogi. phir bhi agar aapne galti se koi galat beneficiary account men paise bhej dia hain tab aap aise men apne Bank saakhaa se sampark kar sakte hain refund ke lia.
List of Banks jo ki bhaarat men IMPS Money Transfer ki suvidha prdan karte hain
Yahan par mainne kuchh aise banks ke naam likhe hua hain jo ki philhal India men apne customers ko IMPS services offer kar rahe hain.
Andhra Bank
 Allahabad Bank
Adarsh Co-Operative Bank Ltd.
Axis Bank
Bandhan Bank Ltd.
Bank of India
Bank of Baroda
Bassein Catholic Co-op Bank
Bank of Maharashtra
Canara Bank
BNP Paribas
Central Bank of India
Catholic Syrian Bank
City Union Bank
Citibank
Cosmos Co-operative Bank
Corporation Bank
Development Bank of Singapore
Dena Bank
Dhanalakshmi Bank
Development Credit Bank
Federal Bank
Dombivli Nagarik Sahakari Bank
HSBC
HDFC Bank
IDBI Bank
ICICI Bank
Indian Overseas Bank
Indian Bank
ING Vysya Bank
IndusInd Bank
Janata Sahakari Bank, Pune
Jammu & Kashmir Bank
Karur Vysya Bank
Karnataka Bank
Kerala Gramin Bank
Lakshmi Vilas Bank
Kotak Mahindra Bank
Nainital Bank
Mehsana Urban Co-operative Bank
NKGSB Co-operative Bank
Pragathi Krishna Gramin Bank
Oriental Bank of Commerce
Punjab and Sind Bank
Punjab and Maharashtra Co-op Bank
Rajkot Nagrik Sahkari Bank Ltd
Punjab National Bank
Saraswat Bank
RBL Bank
Standard Chartered Bank
South Indian Bank
State Bank of Hyderabad
State Bank of Bikaner and Jaipur
State Bank of Mysore
State Bank of India
State Bank of Travancore
State Bank of Patiala
Syndicate Bank
Thane Janata Sahakari Bank
Tamilnad Mercantile Bank
The A.P Mahesh Urban Co-op Bank
UCO Bank
The Greater Bombay Co-op Bank
Union Bank of India
Vijaya Bank
United Bank of India
Yes Bank
FAQs on IMPS
IMPS kyaa hai? IMPS, ko ham Immediate Payment Service ke naam se bhi jaante hain, yah ek electronic fund transfer process hai jiske paison ko payee/beneficiary account men instantly bheja jata hai aur vo bhi real time men. bhaarat men National Payments Corporation of India (NPCI) ye suvidha prdaan karti hai.
kya IMPS ke doraan paise paane ke lia koi charges pdti hai?
nahin.
kya alag alag banks different IMPS charges lagati hain?
han.
kya karna chaahia agar aapke account se paise debit ho jaye aur phir receiver ko vo paise nahin milen ?
agar aapke saath aise hotaa hai jo ki aksar nahin hotaa hai to aise men aapko 24 hours tak karnaa chaahia. es bich agar aapke paise phir bhi nahin aayaa tab aapko apne banks se contact karnaa chaahia.

kya IMPS ki koi specific timings hoti hai?
nahin. IMPS services ki subidhaa aap din men kabhi bhi uthaa sakte hain 24/7 basis men.
kya IMPS services kaa laabh bank holidays men uthaya ja sakta hai?
IMPS services kaa laabh saalaanaa 365 days uthaayaa jaa saktaa hai jahaan par bank holidays aur weekends shaamil hain.
IMPS ki kya benefits hain?
Realtime, instant
ye har samay Available hotaa hai
ye bahut hi Safe aur secure hotaa hai
Economical hai
ese kayi channels ke maadhyam se kiyaa jaa saktaa hai: jaise ki Mobile Banking, internet banking, ATMs etyaadi.
IMPS services ke lia kaise register kiya jata hai?
agar aapko bhi IMPS services ka estmaal karna hai tab eske lia aapko apne bank’s internet/mobile banking service ke lia signup karnaa hoga.
IMPS ki koi transaction limit hoti hai kya?
han. Banks ke anusaar alag alag minimum aur maximum limits hoti hain.
kya IMPS ke madad se dusre deshon ko bhi paise bheja ja sakta hai?
nahin. IMPS ka estmal keval domestic fund transfer transactions ke lia kiya ja sakta hai.
Ise bhi paden      NEFT kya hai ,    RTGS kya hai
Mujhe purn asha hai ki mainne aap logon ko IMPS kya hai (IMPS in Hindi)? ke baare men puri jankari di aur men asha karta hun aap logon ko IMPS ke baare men samajh aa gaya hoga. mera aap sabhi paathkon se gujaaris hai ki aap log bhi es jankari ko apne aas-pdos, rishtedaron, apne mitron men Share karen, jisse ki hamaare bich jaagruktaa hogi aur isse sabko bahut laabh hoga. mujhe aap logon ki sahyog ki avashyakta hai jisse main aur bhi nayi jankari aap logon tak pahuncha sakun.
Meri hamesha se yahi koshish rahi hai ki main hamesha apne readers ya paathkon ka har taraph se help karun, yadi aap logon ko kisi bhi tarah ki koi bhi doubt hai to aap mujhe bejhijak puchh sakte hain. main jarur un Doubts kaa hal nikalne ki koshish karunga. aapko yah lekh IMPS kya hai?kaisa laga hamen comment likhakar jarur batan taaki hamen bhi aapke vichaaron se kuchh sikhne aur kuchh sudharne ka moka mile.

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