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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 88.90 94.25% 2.22% 3.53% 0.27%
2 HDFC Bank 37.27 97.47% 1.84% 0.69% 0.05%
3 BANK OF BARODA 26.96 94.40% 4.47% 1.13% 0.85%
4 Union Bank of India 23.33 94.87% 3.68% 1.45% 0.64%
5 Punjab national Bank 22.94 95.61% 3.97% 0.42% 0.11%
6 ICICI Bank 20.28 95.11% 4.57% 0.32% 0.02%
7 Canara Bank 18.82 93.95% 5.12% 0.93% 0.22%
8 Bank Of India 15.78 96.20% 3.38% 0.42% 0.24%
9 Axis Bank 14.94 96.74% 2.68% 0.58% 0.15%
10 Kotak Mahindra Bank 14.34 94.61% 3.87% 1.52% 0.05%
11 Indian Bank 14.03 83.78% 5.47% 10.75% 1.13%
12 Paytm Payments Bank 13.28 89.76% 9.94% 0.30% 0.04%
13 Central Bank of India 10.28 94.68% 4.65% 0.67% 0.57%
14 IDBI Bank 6.47 95.95% 3.30% 0.75% 0.06%
15 UCO Bank 6.31 76.73% 3.65% 19.62% 0.49%
16 Indian Overseas Bank 5.76 91.41% 3.62% 4.97% 0.70%
17 Bank of Maharashtra 5.55 95.24% 3.03% 1.73% 0.36%
18 Indusind Bank 4.55 93.28% 2.25% 4.47% 0.30%
19 Federal Bank 4.55 95.32% 3.46% 1.22% 0.24%
20 Karnataka Bank 3.54 93.34% 3.92% 2.74% 2.12%
21 Yes Bank Ltd 3.04 93.28% 5.33% 1.39% 0.23%
22 Karur Vysya Bank 3.03 96.26% 3.52% 0.22% 0.02%
23 Airtel Payments Bank 2.78 90.42% 7.08% 2.50% 0.12%
24 IDFC BANK 2.38 95.36% 3.85% 0.79% 0.10%
25 Bandhan Bank limited 2.17 94.99% 4.59% 0.42% 0.18%
26 Punjab and Sind Bank 2.15 42.61% 6.08% 51.31% 4.13%
27 Citibank 1.93 97.50% 2.32% 0.18% 0.02%
28 The South Indian Bank 1.89 95.48% 4.31% 0.21% 0.07%
29 India Post Payments Bank Limited 1.87 93.73% 4.51% 1.76% 0.52%
30 Equitas Small Finance Bank 1.61 95.71% 2.98% 1.31% 0.53%
31 Tamilnaad Mercantile Bank 1.54 88.60% 4.18% 7.22% 1.21%
32 City Union Bank 1.49 93.50% 2.10% 4.40% 0.11%
33 Purvanchal Bank 1.29 89.57% 5.14% 5.29% 1.06%
34 Baroda Uttar Pradesh Gramin Bank 1.29 91.38% 5.64% 2.98% 3.32%
35 Saraswat Co-operative Bank 1.09 93.58% 2.79% 3.63% 0.30%
36 Development Bank of Singapore 0.93 81.39% 18.12% 0.49% 0.02%
37 Fino Payments Bank 0.92 94.62% 5.11% 0.27% 0.02%
38 Madhya Bihar Gramin Bank 0.89 91.38% 7.77% 0.85% 0.57%
39 Standard Chartered Bank 0.86 87.79% 2.46% 9.75% 0.13%
40 Jammu and Kashmir Bank 0.84 88.71% 7.26% 4.03% 0.70%
41 RBL Bank Limited 0.82 91.51% 7.95% 0.54% 0.15%
42 AU Small Finance Bank 0.78 94.39% 4.97% 0.64% 0.25%
43 Ujjivan Small Finance Bank Limited 0.76 90.65% 7.39% 1.96% 1.59%
44 Pragathi Krishna Gramin Bank-IMPS 0.63 94.74% 4.57% 0.69% 0.84%
45 Lakshmi Vilas Bank 0.56 91.46% 6.57% 1.97% 0.15%
46 Maharashtra Gramin Bank 0.53 93.34% 2.51% 4.15% 0.75%
47 Baroda Rajasthan Kshetriya Gramin Bank 0.51 92.25% 4.24% 3.51% 0.66%
48 Sarva U.P. Gramin Bank 0.49 87.71% 11.36% 0.93% 1.60%
49 Rajasthan Marudhara Gramin Bank 0.47 93.32% 2.63% 4.05% 0.83%
50 Kerala Gramin Bank 0.47 96.71% 2.76% 0.53% 0.12%


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.