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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 110,032,275 98.00% 1.60% 0.31% 0.09%
2 HDFC Bank 44,768,832 95.59% 1.66% 2.20% 0.55%
3 BANK OF BARODA 33,078,201 97.70% 2.08% 0.15% 0.07%
4 Union Bank of India 29,912,114 96.35% 2.65% 0.97% 0.04%
5 Punjab national Bank 28,302,798 96.60% 3.27% 0.05% 0.08%
6 Canara Bank 22,181,747 91.39% 1.79% 6.44% 0.38%
8 Kotak Mahindra Bank 21,638,092 96.93% 3.00% 0.04% 0.02%
7 ICICI Bank 20,488,298 96.91% 2.33% 0.58% 0.18%
9 Bank Of India 19,991,543 95.40% 2.54% 1.80% 0.27%
10 Indian Bank 15,841,542 97.65% 1.89% 0.14% 0.32%
12 Paytm Payments Bank 14,114,915 93.74% 6.21% 0.04% 0.02%
11 Axis Bank 13,931,371 97.55% 2.42% 0.003% 0.02%
13 Central Bank of India 12,286,514 94.40% 1.70% 3.15% 0.76%
14 Federal Bank 7,816,818 94.63% 4.92% 0.32% 0.13%
15 UCO Bank 7,147,239 97.63% 2.08% 0.02% 0.28%
19 Indusind Bank 6,962,340 95.73% 2.34% 0.20% 1.73%
16 Indian Overseas Bank 6,927,878 95.29% 3.37% 1.06% 0.28%
17 IDBI Bank 6,683,161 89.41% 2.80% 2.00% 5.78%
20 Airtel Payments Bank 6,483,458 92.83% 6.11% 0.63% 0.43%
18 Bank of Maharashtra 6,258,104 96.82% 2.58% 0.56% 0.04%
21 India Post Payments Bank Limited 5,626,569 83.83% 5.68% 8.86% 1.64%
22 IDFC BANK 5,006,245 94.35% 4.46% 0.72% 0.47%
23 Yes Bank Ltd 4,159,109 82.84% 5.10% 11.17% 0.88%
24 Karnataka Bank 3,617,591 0.03% 0.00% 0.06% 99.91%
25 Bandhan Bank limited 3,397,161 96.40% 2.97% 0.18% 0.45%
26 Karur Vysya Bank 3,167,862 97.01% 2.84% 0.09% 0.07%
27 The South Indian Bank 2,667,262 96.93% 2.54% 0.07% 0.47%
28 Fino Payments Bank 2,596,876 90.45% 8.75% 0.55% 0.24%
30 Baroda Uttar Pradesh Gramin Bank 2,595,726 94.11% 2.70% 1.61% 1.58%
29 Jammu and Kashmir Bank 2,360,168 96.13% 2.46% 0.44% 0.97%
31 Tamilnaad Mercantile Bank 1,795,663 97.10% 2.21% 0.20% 0.49%
32 City Union Bank 1,754,982 93.62% 3.83% 1.40% 1.15%
33 Punjab and Sind Bank 1,709,971 92.38% 0.39% 6.02% 1.21%
35 AU Small Finance Bank 1,606,503 96.98% 2.90% 0.05% 0.08%
34 Citibank 1,555,749 97.35% 2.48% 0.13% 0.04%
37 RBL Bank Limited 1,406,378 92.12% 6.95% 0.17% 0.75%
39 Development Bank of Singapore 1,393,436 81.65% 17.55% 0.51% 0.29%
36 Maharashtra Gramin Bank 1,336,890 94.73% 1.58% 1.04% 2.64%
38 Equitas Small Finance Bank 1,303,494 92.47% 6.20% 0.70% 0.63%
40 Saraswat Co-operative Bank 1,167,025 97.68% 1.87% 0.04% 0.41%
41 Ujjivan Small Finance Bank Limited 1,152,150 95.89% 3.99% 0.001% 0.12%
42 Madhya Bihar Gramin Bank 1,094,762 94.85% 3.91% 0.15% 1.09%
43 Pragathi Krishna Gramin Bank-IMPS 844,814 97.09% 2.24% 0.10% 0.57%
45 Rajasthan Marudhara Gramin Bank 843,685 93.70% 2.01% 1.70% 2.59%
44 Kerala Gramin Bank -IMPS 833,336 96.85% 1.61% 0.20% 1.34%
47 Sarva U.P. Gramin Bank 737,177 91.45% 7.67% 0.15% 0.73%
46 Standard Chartered Bank 705,258 97.09% 2.77% 0.11% 0.03%
49 Andhra Pradesh Grameena Vikas Bank 581,421 94.43% 0.89% 2.56% 2.12%
50 ESAF Small Finance Bank 569,935 97.37% 2.16% 0.35% 0.12%
48 Baroda Rajasthan Kshetriya Gramin Bank 566,141 96.18% 2.66% 0.49% 0.67%
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.