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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 101.86 96.01% 2.49% 0.76% 0.74%
2 HDFC Bank 39.19 97.41% 2.24% 0.33% 0.02%
3 Bank of Baroda 31.70 95.65% 3.87% 0.31% 0.18%
4 Union Bank of India 27.31 97.18% 2.63% 0.10% 0.09%
5 Punjab national Bank 24.33 95.06% 3.81% 0.35% 0.79%
6 Canara Bank 21.40 92.34% 1.77% 2.78% 3.12%
7 ICICI Bank 20.78 95.49% 3.92% 0.53% 0.06%
8 Kotak Mahindra Bank 19.73 95.89% 3.74% 0.16% 0.21%
9 Bank Of India 18.53 95.39% 3.22% 0.71% 0.68%
10 Indian Bank 15.17 92.49% 4.64% 2.02% 0.85%
11 Axis Bank 13.28 96.26% 3.32% 0.27% 0.16%
12 Paytm Payments Bank 12.70 92.38% 7.40% 0.19% 0.02%
13 Central Bank of India 11.08 94.31% 2.66% 1.90% 1.12%
14 Federal Bank 6.94 94.70% 4.82% 0.09% 0.39%
15 Indian Overseas Bank 6.78 95.27% 3.21% 1.15% 0.37%
16 IDBI Bank 6.71 91.66% 4.06% 3.79% 0.48%
17 UCO Bank 6.71 97.10% 2.49% 0.25% 0.17%
18 Bank of Maharashtra 6.08 96.24% 3.61% 0.12% 0.02%
19 Indusind Bank 5.56 96.19% 2.40% 1.25% 0.16%
20 Airtel Payments Bank 4.80 92.69% 4.65% 1.13% 1.53%
21 India Post Payments Bank Limited 4.75 92.21% 6.23% 0.75% 0.82%
22 Yes Bank Ltd 4.23 92.40% 5.39% 1.16% 1.05%
23 IDFC BANK 4.08 90.45% 8.92% 0.36% 0.27%
24 Karnataka Bank 3.58 92.47% 2.24% 3.82% 1.47%
25 Bandhan Bank limited 3.13 93.16% 5.89% 0.34% 0.60%
26 Karur Vysya Bank 3.09 95.26% 3.23% 0.70% 0.81%
27 Baroda Uttar Pradesh Gramin Bank 2.66 91.93% 2.98% 3.65% 1.43%
28 Fino Payments Bank 2.26 89.65% 6.75% 2.64% 0.96%
29 The South Indian Bank 2.25 97.32% 2.63% 0.03% 0.03%
30 Jammu and Kashmir Bank 1.95 90.58% 2.70% 5.40% 1.32%
31 The Akola District Central Co-op. Bank Ltd. Akola 1.74 1.28% 0.07% 98.61% 0.04%
32 Tamilnaad Mercantile Bank 1.72 95.95% 2.69% 0.91% 0.45%
33 Citibank 1.66 96.25% 3.01% 0.69% 0.05%
34 City Union Bank 1.65 92.08% 3.58% 2.22% 2.12%
35 Equitas Small Finance Bank 1.46 86.95% 10.04% 2.87% 0.14%
36 Punjab and Sind Bank 1.45 96.03% 2.33% 0.37% 1.27%
37 AU Small Finance Bank 1.37 95.16% 4.18% 0.24% 0.42%
38 Saraswat Co-operative Bank 1.17 93.43% 2.54% 3.84% 0.19%
39 Maharashtra Gramin Bank 1.16 91.68% 0.99% 6.29% 1.05%
40 Development Bank of Singapore 1.01 89.16% 9.44% 0.02% 1.38%
41 Madhya Bihar Gramin Bank 1.00 95.52% 4.15% 0.06% 0.27%
42 Ujjivan Small Finance Bank Limited 1.00 95.05% 4.57% 0.15% 0.23%
43 RBL Bank Limited 0.97 92.77% 6.13% 0.02% 1.08%
44 Standard Chartered Bank 0.75 96.24% 3.31% 0.32% 0.13%
45 Karnataka Gramin Bank 0.72 97.54% 1.88% 0.17% 0.40%
46 Rajasthan Marudhara Gramin Bank 0.71 91.87% 0.59% 3.26% 4.28%
47 Sarva U.P. Gramin Bank 0.67 92.76% 6.76% 0.08% 0.39%
48 Kerala Gramin Bank 0.66 98.31% 1.40% 0.13% 0.16%
49 Baroda Rajasthan Kshetriya Gramin Bank 0.60 94.65% 3.16% 0.81% 1.38%
50 Fincare Small Finance Bank 0.50 85.83% 13.02% 0.49% 0.66%


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.