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IMPS Bank Performance

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IMPS Top 50 Banks Performance
Sr. No. IMPS Beneficiary Banks Total Volume (Mn) Approved % BD % TD% Deemed Approved %
1 State Bank of India 127.19 95.19% 1.79% 1.54% 1.48%
2 HDFC Bank 48.57 96.56% 2.67% 0.75% 0.02%
3 BANK OF BARODA 37.33 97.23% 1.84% 0.33% 0.60%
4 Punjab national Bank 35.08 97.49% 2.38% 0.04% 0.09%
5 Union Bank of India 33.29 95.85% 2.47% 0.39% 1.28%
6 Kotak Mahindra Bank 29.20 97.08% 2.28% 0.36% 0.28%
7 Canara Bank 25.17 97.16% 2.40% 0.32% 0.13%
8 ICICI Bank 21.23 94.23% 5.75% 0.01% 0.01%
9 Bank Of India 19.50 95.71% 2.74% 0.64% 0.92%
10 Indian Bank 18.04 97.50% 1.70% 0.48% 0.32%
11 Axis Bank 14.87 95.44% 4.49% 0.02% 0.05%
12 Airtel Payments Bank 13.83 97.07% 2.25% 0.54% 0.14%
13 Central Bank of India 13.62 97.21% 2.01% 0.05% 0.73%
14 India Post Payments Bank Limited 7.73 91.10% 6.36% 1.15% 1.38%
15 Indusind Bank 9.83 93.86% 6.10% 0.03% 0.01%
16 Federal Bank 9.60 94.64% 5.24% 0.05% 0.07%
17 Indian Overseas Bank 7.57 95.27% 2.74% 1.50% 0.49%
18 IDBI Bank 6.92 95.28% 3.98% 0.48% 0.25%
19 Bank of Maharashtra 6.04 96.94% 2.91% 0.05% 0.10%
20 Bandhan Bank limited 4.73 96.26% 3.21% 0.27% 0.26%
21 Karnataka Bank 4.64 95.92% 3.07% 0.50% 0.52%
22 IDFC BANK 4.57 95.23% 2.60% 2.00% 0.17%
23 Fino Payments Bank 4.39 89.18% 10.66% 0.07% 0.09%
24 Yes Bank Ltd 4.30 84.81% 12.38% 2.75% 0.06%
25 Jammu and Kashmir Bank 4.30 96.99% 2.45% 0.35% 0.21%
26 Karur Vysya Bank 3.63 96.99% 2.91% 0.07% 0.03%
27 Baroda Uttar Pradesh Gramin Bank 2.82 91.18% 3.81% 4.21% 0.79%
28 The South Indian Bank 2.78 96.78% 3.13% 0.08% 0.02%
29 AU Small Finance Bank 2.50 96.54% 3.13% 0.08% 0.25%
30 Punjab and Sind Bank 2.11 87.28% 0.39% 7.21% 5.11%
31 Equitas Small Finance Bank 2.09 94.10% 4.40% 1.08% 0.42%
32 Tamilnaad Mercantile Bank 2.09 96.99% 1.43% 0.64% 0.93%
33 City Union Bank 2.00 93.05% 5.02% 1.70% 0.23%
34 Maharashtra Gramin Bank 1.75 96.51% 0.74% 1.67% 1.07%
35 Development Bank of Singapore 1.71 72.17% 27.68% 0.07% 0.07%
36 RBL Bank Limited 1.57 94.49% 5.12% 0.00% 0.39%
37 Ujjivan Small Finance Bank Limited 1.51 95.65% 4.29% 0.03% 0.04%
38 Citibank 1.40 96.84% 2.63% 0.51% 0.02%
39 Rajasthan Marudhara Gramin Bank 1.24 96.70% 2.03% 0.22% 1.05%
40 Saraswat Co-operative Bank 1.23 96.94% 2.67% 0.35% 0.03%
41 Madhya Bihar Gramin Bank 1.16 93.36% 4.92% 0.62% 1.10%
42 Pragathi Krishna Gramin Bank-IMPS 1.12 96.24% 1.23% 1.64% 0.88%
43 Jio Payments Bank Ltd - IMPS 0.98 94.86% 4.19% 0.66% 0.28%
44 Sarva U.P. Gramin Bank 0.96 92.13% 6.02% 0.85% 1.01%
45 Andhra Pradesh Grameena Vikas Bank 0.94 95.52% 1.28% 0.36% 2.84%
46 Kerala Gramin Bank -IMPS 0.91 95.49% 1.69% 2.05% 0.77%
47 Sarva Haryana Gramin Bank 0.84 93.34% 4.97% 0.87% 0.82%
48 Standard Chartered Bank 0.74 96.25% 3.59% 0.12% 0.04%
49 FINCARE SMALL FINANCE BANK LTD 0.73 78.44% 21.15% 0.24% 0.17%
50 ESAF Small Finance Bank 0.69 97.68% 1.89% 0.27% 0.16%
Glossary -
  • Business Decline (BD) - Transaction decline due to a customer entering, incorrect beneficiary account etc. Or due to other business reasons such as exceeding per transaction limit, exceeding permitted count of transactions per day, exceeding amount limit for the day etc. Such declined transactions are termed as Business Decline. Any decline which is not because of a technical reason of the bank or NPCI is termed as business Decline.
  • Technical Decline (TD) - Transaction decline due to technical reasons, such as unavailability of systems and network issues on bank or NPCI side.
  • Deemed Approved (Pending Credit Confirmation for IMPS transactions) - Deemed Approved percentage indicates the total percentage of cases of the total transactions, where credit confirmations are not received online from the beneficiary banks for the credit. If the beneficiary account is not credited online, transaction would be manually processed by the beneficiary bank as per the extant RBI guidelines.
  • Beneficiary - The account holder who is receiving money.