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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 108.76 96.20% 2.44% 0.90% 0.46%
2 HDFC Bank 44.81 96.53% 2.96% 0.50% 0.01%
3 BANK OF BARODA 34.52 96.02% 3.41% 0.26% 0.31%
4 Union Bank of India 29.66 97.23% 2.19% 0.48% 0.09%
5 Punjab national Bank 27.04 94.41% 3.18% 2.10% 0.32%
6 Canara Bank 23.87 93.71% 2.80% 3.27% 0.22%
7 ICICI Bank 22.97 95.31% 4.12% 0.48% 0.09%
8 Kotak Mahindra Bank 19.98 94.33% 4.49% 1.01% 0.17%
9 Bank Of India 19.07 96.50% 2.95% 0.26% 0.28%
10 Paytm Payments Bank 18.45 87.99% 11.67% 0.31% 0.03%
11 Axis Bank 16.85 97.27% 2.48% 0.17% 0.08%
12 Indian Bank 15.31 96.20% 2.98% 0.40% 0.42%
13 Central Bank of India 13.35 95.62% 3.32% 0.60% 0.46%
14 IDBI Bank 8.82 91.51% 3.58% 4.88% 0.03%
15 Federal Bank 7.89 96.76% 1.08% 2.00% 0.17%
16 Bank of Maharashtra 7.52 93.24% 3.74% 2.78% 0.24%
17 Indian Overseas Bank 6.92 95.65% 2.83% 1.22% 0.30%
18 UCO Bank 6.39 94.62% 1.78% 2.57% 1.03%
19 Indusind Bank 5.77 96.19% 3.14% 0.58% 0.09%
20 Karnataka Bank 4.33 95.96% 1.99% 1.59% 0.47%
21 Airtel Payments Bank 4.11 92.78% 4.73% 2.32% 0.17%
22 IDFC BANK 3.78 94.31% 4.38% 1.15% 0.16%
23 Yes Bank Ltd 3.71 94.89% 3.98% 0.99% 0.15%
24 Karur Vysya Bank 3.62 96.48% 3.15% 0.34% 0.03%
25 India Post Payments Bank Limited 3.14 94.03% 5.64% 0.22% 0.11%
26 Bandhan Bank limited 2.85 95.74% 3.69% 0.44% 0.12%
27 Baroda Uttar Pradesh Gramin Bank 2.28 93.81% 3.38% 2.30% 0.51%
28 The South Indian Bank 2.24 95.74% 2.84% 1.33% 0.09%
29 Equitas Small Finance Bank 2.04 95.44% 3.95% 0.41% 0.20%
30 Citibank 2.00 97.38% 2.18% 0.42% 0.02%
31 City Union Bank 1.87 95.05% 2.09% 2.64% 0.23%
32 Tamilnaad Mercantile Bank 1.86 96.74% 2.41% 0.48% 0.38%
33 Fino Payments Bank 1.54 92.11% 5.33% 2.22% 0.34%
34 Punjab and Sind Bank 1.47 96.55% 2.60% 0.28% 0.58%
35 Jammu and Kashmir Bank 1.37 90.52% 4.34% 4.58% 0.56%
36 Saraswat Co-operative Bank 1.35 94.32% 1.91% 2.79% 0.98%
37 AU Small Finance Bank 1.25 95.33% 4.07% 0.38% 0.22%
38 RBL Bank Limited 1.15 87.96% 7.22% 4.03% 0.79%
39 Maharashtra Gramin Bank 1.14 88.63% 0.90% 10.28% 0.19%
40 Development Bank of Singapore 1.12 86.24% 12.82% 0.67% 0.26%
41 Ujjivan Small Finance Bank Limited 1.06 93.75% 2.95% 1.70% 1.59%
42 Madhya Bihar Gramin Bank 0.91 87.98% 7.37% 2.25% 2.40%
43 Standard Chartered Bank 0.78 95.39% 3.22% 1.16% 0.24%
44 Rajasthan Marudhara Gramin Bank 0.73 83.51% 2.56% 13.32% 0.61%
45 Baroda Rajasthan Kshetriya Gramin Bank 0.60 95.18% 2.80% 1.44% 0.58%
46 Sarva U.P. Gramin Bank 0.59 83.04% 9.80% 5.76% 1.40%
47 Kerala Gramin Bank -IMPS 0.57 97.03% 1.37% 1.07% 0.52%
48 SVC Co-operative Bank Limited 0.52 88.59% 6.38% 4.55% 0.47%
49 Abhyudaya Co-operative Bank 0.52 96.19% 1.00% 2.67% 0.15%
50 Sarva Haryana Gramin Bank 0.51 82.57% 6.54% 9.42% 1.46%


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.