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IMPS Bank Performance

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IMPS Top 30 Beneficiary Banks Performance (Sep'20)
Sr. No. IMPS Beneficiary Banks Total Volume (Mn) Approved % BD % TD% Deemed Approved %
1 State Bank of India 65.09 94.62% 1.70% 3.34% 0.34%
2 HDFC Bank 25.05 97.68% 1.96% 0.34% 0.01%
3 ICICI Bank 16.29 96.84% 2.51% 0.62% 0.03%
4 BANK OF BARODA 15.39 92.19% 3.44% 3.91% 0.45%
5 Punjab national Bank 12.72 94.07% 3.69% 2.14% 0.09%
6 Axis Bank 11.42 94.65% 3.82% 1.37% 0.16%
7 Paytm Payments Bank 11.40 81.20% 18.20% 0.56% 0.04%
8 Bank Of India 11.34 88.28% 7.39% 3.47% 0.87%
9 Canara Bank 10.75 92.87% 3.52% 3.18% 0.43%
10 Kotak Mahindra Bank 10.30 93.59% 4.21% 1.99% 0.21%
11 Union Bank of India 9.28 96.93% 2.16% 0.80% 0.11%
12 Central Bank of India 7.24 93.45% 4.93% 1.35% 0.27%
13 Indian Bank 6.32 95.12% 2.56% 1.35% 0.97%
14 Andhra bank 5.91 96.88% 2.24% 0.66% 0.23%
15 Allahabad Bank 4.90 94.91% 3.28% 1.66% 0.14%
16 IDBI Bank 4.85 92.95% 4.80% 2.23% 0.02%
17 Syndicate Bank 4.42 96.33% 3.36% 0.20% 0.11%
18 Indian Overseas Bank 4.29 91.33% 3.10% 5.08% 0.49%
19 Corporation Bank 3.67 79.53% 3.00% 17.09% 0.38%
20 Bank of Maharashtra 3.51 95.30% 3.52% 1.11% 0.07%
21 Federal Bank 3.46 97.72% 1.35% 0.73% 0.20%
22 UCO Bank 3.44 94.74% 2.79% 1.62% 0.84%
23 Oriental Bank of Commerce 2.97 97.19% 2.48% 0.33% 0.01%
24 Indusind Bank 2.93 97.60% 2.32% 0.03% 0.05%
25 Karnataka Bank 2.57 96.43% 2.23% 1.03% 0.30%
26 Karur Vysya Bank 2.54 96.75% 2.69% 0.54% 0.02%
27 Yes Bank Ltd 2.24 93.05% 6.00% 0.88% 0.07%
28 United Bank of India 2.20 85.11% 6.21% 7.01% 1.67%
29 Vijaya Bank 1.81 76.77% 21.74% 1.05% 0.44%
30 RBL Bank Limited 1.67 94.34% 3.75% 1.71% 0.20%


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.