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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 109.72 97.02% 2.35% 0.30% 0.33%
2 HDFC Bank 40.49 96.57% 1.70% 1.46% 0.27%
3 Bank of Baroda 35.99 96.01% 3.42% 0.24% 0.34%
4 Union Bank of India 30.50 90.83% 1.96% 5.99% 1.22%
5 Punjab national Bank 27.41 95.68% 3.53% 0.16% 0.63%
6 ICICI Bank 22.28 97.16% 2.70% 0.12% 0.03%
7 Canara Bank 21.87 97.31% 2.40% 0.21% 0.08%
8 Bank Of India 19.97 96.83% 2.88% 0.01% 0.27%
9 Kotak Mahindra Bank 19.43 96.40% 3.26% 0.22% 0.12%
10 Indian Bank 16.48 95.96% 2.86% 0.73% 0.45%
11 Paytm Payments Bank 15.40 91.05% 8.75% 0.20% 0.00%
12 Axis Bank 15.23 96.34% 3.45% 0.12% 0.09%
13 Central Bank of India 11.76 96.53% 2.23% 0.41% 0.83%
14 IDBI Bank 7.73 95.45% 3.28% 1.10% 0.17%
15 Federal Bank 7.30 96.42% 2.29% 1.16% 0.13%
16 Indian Overseas Bank 7.04 96.41% 3.00% 0.28% 0.31%
17 UCO Bank 6.97 97.34% 1.17% 0.59% 0.89%
18 Bank of Maharashtra 6.75 96.63% 3.06% 0.28% 0.03%
19 Indusind Bank 5.49 97.23% 1.53% 1.16% 0.08%
20 India Post Payments Bank Limited 4.79 87.96% 9.73% 1.57% 0.73%
21 Airtel Payments Bank 4.67 93.84% 5.30% 0.80% 0.07%
22 Yes Bank Ltd 4.25 91.53% 5.47% 2.78% 0.22%
23 Karnataka Bank 4.06 96.35% 2.09% 0.95% 0.61%
24 IDFC Bank 3.74 93.96% 4.95% 0.58% 0.51%
25 Karur Vysya Bank 3.44 91.75% 2.52% 2.92% 2.81%
26 Bandhan Bank limited 3.08 96.33% 3.34% 0.10% 0.24%
27 Baroda Uttar Pradesh Gramin Bank 3.06 91.38% 3.26% 4.81% 0.54%
28 Punjab and Sind Bank 2.38 60.92% 1.49% 36.03% 1.57%
29 The South Indian Bank 2.22 96.96% 2.48% 0.25% 0.30%
30 Fino Payments Bank 2.09 88.44% 6.88% 3.83% 0.85%
31 Tamilnaad Mercantile Bank 1.85 97.46% 2.12% 0.21% 0.21%
32 City Union Bank 1.79 95.13% 2.30% 2.49% 0.08%
33 Jammu and Kashmir Bank 1.73 95.79% 3.03% 0.84% 0.34%
34 Equitas Small Finance Bank 1.63 92.41% 5.23% 0.83% 1.53%
35 Citibank 1.52 96.01% 3.69% 0.24% 0.05%
36 AU Small Finance Bank 1.44 95.55% 2.48% 1.32% 0.66%
37 Saraswat Co-operative Bank 1.30 97.28% 2.01% 0.51% 0.19%
38 Maharashtra Gramin Bank 1.20 95.76% 1.11% 2.31% 0.83%
39 Development Bank of Singapore 1.13 83.46% 12.00% 3.72% 0.82%
40 Madhya Bihar Gramin Bank 1.11 94.02% 4.62% 0.23% 1.13%
41 RBL Bank Limited 1.08 95.33% 4.26% 0.10% 0.31%
42 Ujjivan Small Finance Bank Limited 1.06 96.24% 3.44% 0.08% 0.23%
43 Karnataka Gramin Bank 0.80 97.53% 1.69% 0.46% 0.32%
44 Rajasthan Marudhara Gramin Bank 0.77 89.59% 0.32% 4.97% 5.12%
45 Standard Chartered Bank 0.72 96.31% 2.92% 0.15% 0.62%
46 Sarva U.P. Gramin Bank 0.70 92.28% 7.25% 0.01% 0.47%
47 Baroda Rajasthan Kshetriya Gramin Bank 0.64 94.55% 2.63% 2.51% 0.32%
48 Kerala Gramin Bank 0.61 97.25% 1.65% 0.67% 0.42%
49 Abhyudaya Co-operative Bank 0.52 80.93% 1.82% 2.03% 15.22%
50 Andhra Pradesh Grameena Vikas Bank 0.51 92.94% 1.44% 4.63% 0.99%


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.