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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 98.73 96.90% 2.06% 0.81% 0.23%
2 HDFC Bank 40.90 97.13% 2.22% 0.62% 0.02%
3 BANK OF BARODA 30.92 95.48% 3.82% 0.47% 0.24%
4 Punjab national Bank 27.22 90.63% 3.52% 5.52% 0.33%
5 ICICI Bank 26.11 95.64% 4.08% 0.27% 0.01%
6 Union Bank of India 26.01 97.34% 2.49% 0.12% 0.05%
7 Canara Bank 21.52 95.10% 4.20% 0.50% 0.19%
8 Bank Of India 18.25 96.09% 3.45% 0.29% 0.17%
9 Kotak Mahindra Bank 17.80 93.53% 4.12% 2.21% 0.14%
10 Paytm Payments Bank 17.36 81.56% 16.57% 1.73% 0.14%
11 Axis Bank 16.76 96.87% 3.05% 0.05% 0.02%
12 Indian Bank 15.61 85.94% 8.14% 5.38% 0.54%
13 Central Bank of India 11.21 94.24% 3.69% 1.39% 0.67%
14 Purvanchal Bank 9.34 3.15% 0.12% 96.69% 0.04%
15 IDBI Bank 8.08 88.68% 3.92% 7.26% 0.14%
16 Bank of Maharashtra 6.88 92.41% 2.73% 4.78% 0.08%
17 Indian Overseas Bank 6.37 96.42% 3.25% 0.23% 0.10%
18 UCO Bank 6.03 91.23% 3.23% 4.87% 0.67%
19 Federal Bank 5.73 95.53% 3.99% 0.38% 0.10%
20 Indusind Bank 4.90 96.04% 3.03% 0.78% 0.16%
21 Baroda Uttar Pradesh Gramin Bank 4.19 32.69% 1.86% 64.06% 1.39%
22 Karnataka Bank 3.99 92.88% 2.27% 3.91% 0.94%
23 Karur Vysya Bank 3.45 95.85% 3.49% 0.66% 0.01%
24 Airtel Payments Bank 3.30 93.06% 5.74% 1.15% 0.06%
25 Yes Bank Ltd 3.24 93.32% 5.73% 0.82% 0.13%
26 IDFC BANK 2.92 94.19% 5.01% 0.72% 0.08%
27 India Post Payments Bank Limited 2.47 89.65% 3.96% 5.27% 1.12%
28 Bandhan Bank limited 2.47 95.49% 4.28% 0.16% 0.08%
29 The South Indian Bank 2.15 96.90% 2.99% 0.06% 0.05%
30 Citibank 2.13 96.95% 2.73% 0.27% 0.05%
31 Equitas Small Finance Bank 1.81 96.33% 3.16% 0.43% 0.08%
32 City Union Bank 1.69 94.71% 2.34% 2.90% 0.05%
33 Tamilnaad Mercantile Bank 1.67 96.34% 2.96% 0.29% 0.41%
34 RBL Bank Limited 1.48 94.25% 4.78% 0.63% 0.34%
35 Punjab and Sind Bank 1.33 86.52% 3.27% 7.71% 2.50%
36 Saraswat Co-operative Bank 1.28 94.54% 3.48% 1.03% 0.95%
37 Fino Payments Bank 1.18 94.47% 5.38% 0.12% 0.04%
38 Jammu and Kashmir Bank 1.10 90.98% 4.66% 3.39% 0.97%
39 Development Bank of Singapore 1.02 81.59% 16.34% 2.00% 0.06%
40 AU Small Finance Bank 1.01 92.47% 4.62% 2.62% 0.29%
41 Madhya Bihar Gramin Bank 0.91 87.90% 9.08% 1.59% 1.43%
42 Ujjivan Small Finance Bank Limited 0.86 91.34% 3.79% 2.52% 2.36%
43 Standard Chartered Bank 0.81 95.67% 2.66% 1.47% 0.20%
44 Maharashtra Gramin Bank 0.73 95.09% 2.07% 1.95% 0.89%
45 Pragathi Krishna Gramin Bank-IMPS 0.67 97.75% 1.97% 0.21% 0.07%
46 Baroda Rajasthan Kshetriya Gramin Bank 0.60 93.75% 2.94% 2.78% 0.53%
47 Lakshmi Vilas Bank 0.57 93.39% 6.23% 0.33% 0.06%
48 Rajasthan Marudhara Gramin Bank 0.57 91.30% 1.81% 5.54% 1.35%
49 Sarva U.P. Gramin Bank 0.56 86.33% 11.67% 1.04% 0.96%
50 Kerala Gramin Bank -IMPS 0.55 97.99% 1.77% 0.21% 0.03%


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.