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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 115.13 97.16% 2.11% 0.60% 0.12%
2 HDFC Bank 46.30 93.98% 1.66% 3.25% 1.11%
3 BANK OF BARODA 34.09 97.41% 2.17% 0.14% 0.29%
4 Union Bank of India 30.78 94.94% 3.60% 1.09% 0.37%
5 Punjab national Bank 29.87 96.70% 2.85% 0.29% 0.16%
6 Kotak Mahindra Bank 24.41 94.99% 3.05% 1.45% 0.51%
7 Canara Bank 22.32 97.70% 2.22% 0.03% 0.05%
8 ICICI Bank 20.27 94.53% 5.35% 0.01% 0.11%
9 Bank Of India 18.36 97.00% 2.97% 0.00% 0.03%
10 Paytm Payments Bank 17.82 94.10% 5.78% 0.02% 0.09%
11 Indian Bank 16.21 97.31% 2.45% 0.11% 0.13%
12 Axis Bank 14.87 97.66% 2.27% 0.00% 0.07%
13 Central Bank of India 11.98 95.17% 3.37% 0.26% 1.20%
14 Airtel Payments Bank 9.83 95.59% 3.51% 0.71% 0.19%
15 Federal Bank 9.18 92.27% 7.41% 0.09% 0.23%
16 Indusind Bank 8.37 95.95% 3.31% 0.68% 0.05%
17 Indian Overseas Bank 6.99 97.11% 2.68% 0.07% 0.14%
18 India Post Payments Bank Limited 6.98 90.80% 5.29% 3.41% 0.50%
19 IDBI Bank 6.55 95.79% 4.10% 0.01% 0.09%
20 Bank of Maharashtra 6.09 96.30% 3.60% 0.07% 0.04%
21 IDFC BANK 4.06 93.90% 3.71% 2.29% 0.10%
22 Karnataka Bank 3.89 95.30% 3.15% 0.79% 0.76%
23 Bandhan Bank limited 3.77 94.78% 4.75% 0.33% 0.14%
24 Pragathi Krishna Gramin Bank-IMPS 0.89 95.10% 2.91% 0.13% 1.86%
25 Karur Vysya Bank 3.42 95.14% 4.75% 0.07% 0.04%
26 Fino Payments Bank 3.34 87.22% 11.08% 1.04% 0.65%
27 Jammu and Kashmir Bank 3.25 96.30% 3.19% 0.45% 0.06%
28 The South Indian Bank 2.89 96.00% 3.65% 0.29% 0.06%
29 Baroda Uttar Pradesh Gramin Bank 2.40 94.02% 4.73% 0.93% 0.31%
30 AU Small Finance Bank 2.19 96.25% 3.68% 0.04% 0.03%
31 Kerala Gramin Bank -IMPS 0.78 91.97% 2.10% 1.99% 3.93%
32 Tamilnaad Mercantile Bank 1.94 95.81% 3.39% 0.03% 0.77%
33 City Union Bank 1.87 90.93% 6.85% 1.56% 0.66%
34 Punjab and Sind Bank 1.70 92.72% 1.32% 0.00% 5.96%
35 Equitas Small Finance Bank 1.57 89.07% 10.39% 0.17% 0.37%
36 Yes Bank Limited YBP 4.10 79.49% 11.89% 8.43% 0.20%
37 Development Bank of Singapore 1.53 71.92% 28.03% 0.01% 0.04%
38 RBL Bank Limited 1.51 95.01% 4.28% 0.14% 0.57%
39 Maharashtra Gramin Bank 1.48 95.79% 1.85% 0.06% 2.29%
40 Citibank 1.48 96.89% 2.73% 0.38% 0.01%
41 The Banaskantha District Central Co-operative Bank Ltd 1.34 8.22% 0.21% 91.11% 0.45%
42 Ujjivan Small Finance Bank Limited 1.29 93.23% 6.40% 0.09% 0.28%
43 Saraswat Co-operative Bank 1.16 96.23% 3.53% 0.13% 0.10%
44 Madhya Bihar Gramin Bank 1.12 94.41% 4.61% 0.00% 0.98%
45 The Surat Mercantile Co-Op. bank Ltd. 0.14 58.22% 6.10% 35.03% 0.65%
46 Rajasthan Marudhara Gramin Bank 1.07 95.67% 2.87% 0.09% 1.36%
47 Sarva U.P. Gramin Bank 0.79 89.56% 10.19% 0.00% 0.25%
48 Standard Chartered Bank 0.71 96.22% 3.68% 0.05% 0.05%
49 Andhra Pradesh Grameena Vikas Bank 0.71 93.54% 3.86% 0.86% 1.74%
50 Baroda Rajasthan Kshetriya Gramin Bank 0.55 90.89% 7.63% 1.09% 0.38%
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.