How to Use *99# Mobile Codes (IMPS/ IFSC/ Fund Transfer/ Mini Balance)

The Service *99# doesn’t require Intenet to access your bank account details ie. Balance, Mini Statement, Fund Transfer using MMID, IFSC code etc, generate OTP Code etc.  All customer must note that USSD Code can be used on all the GSM Mobile number but it requires that the customer is required to register his/her mobile number with his bank for the mobile banking services. The customers already using mobile banking will be able to use this service without any additional registration by dialing *99# from their GSM mobile handset. You can’t use *99# to register mobile number. The Hacking/ Fraud by USSD is not possible because, you have to register your number by submitting valid document at Bank Branch. So it is safe to use NCPI *99# USSD Service.

Non- Financial Services:

Balance Enquiry

User can check available balance of the bank account linked to his/her mobile number. The transaction flow to do Balance Enquiry is as follows:

  • Dial *99# from your Mobile handset.
  • Welcome screen will appear asking you to enter your bank’s 3 letters short name or first 4 letters of IFSC.
  • After entering valid IFS Code or short name, menu will appear with different options of available services enabled for your bank.
  • Enter 1 for Balance Enquiry and submit.

A confirmation screen will appear displaying the available balance.

Mini Statement

Use *99# code to get last 5/ 10 transaction Mini Statement. User can generate mini account statement for the bank account linked his/her to mobile number. The transaction flow to generate Mini Statement is as follows:

  • Dial *99# from your Mobile handset.
  • Welcome screen will appear asking you to enter your bank’s 3 letters short name or first 4 letters of IFSC.
  • After entering valid IFS Code or short name, menu will appear with different options of available services enabled for your bank.
  • Enter 2 for Mini Statement and submit.
  • A confirmation screen will appear showing the mini-statement.

Know MMID

User can know their MMID which was allotted to him/her by bank during mobile banking registration. The transaction flow to know MMID is as follows:

  • Dial *99# from your Mobile handset.
  • Welcome screen will appear asking you to enter your bank’s 3 letters short name or first 4 letters of IFSC.
  • After entering valid IFS Code or short name, menu will appear with different options of available services enabled for your bank.
  • Enter 6 for Know Your MMID and submit.
  • A confirmation screen will appear displaying MMID linked to your account.

Change MPIN

User can change MPIN using this service. This is an additional security feature for financial transactions. The complete transaction flow to change MPIN is as follows:

  • Dial *99# from your Mobile handset.
  • Welcome screen will appear asking you to enter your bank’s 3 letters short name or first 4 letters of IFSC.
  • After entering valid IFS Code or short name, menu will appear with different options of available services enabled for your bank.
  • Enter 7 for Change MPIN and submit.
  • Enter old MPIN, new MPIN and confirm.
  • A confirmation screen will appear displaying change of MPIN successfully.

Generate OTP

User can generate One Time Password (OTP) which is used for different transactions as a second factor of authentication. The transaction flow to generate OTP is as follows:

  • Dial *99# from your Mobile handset.
  • Welcome screen will appear asking you to enter you bank’s 3 letters short name or first 4 letters of IFSC.
  • After entering valid IFS Code or short name, menu will appear with different options of available services enabled for your bank.
  • Enter 8 for Generate OTP and Submit.
  • Enter MPIN.
  • A confirmation screen will appear showing the OTP generated for your required action.

Financial Services

Fund Transfer using MMID and Mobile Number (*99#)

User can transfer funds by using MMID and Mobile number of the Beneficiary. The transaction flow for the same is as follows:

  • Dial *99# from your Mobile handset.
  • Welcome screen will appear asking you to enter your bank’s 3 letters short name or first 4 letters of IFSC.
  • After entering valid IFS Code or short name, menu will appear with different options of available services enabled for your bank.
  • Enter 3 for Fund Transfer using MMID and Mobile Number and submit.
  • Subsequent screen to enter Beneficiary Mobile number, MMID, Amount and Remarks (Optional) will appear.
  • Enter MPIN and last 4 digits of account number (Optional).

A confirmation screen will appear showing success response.

Fund Transfer using IFSC and Account Number

User can transfer funds by using IFS Code and Account Number of the Beneficiary. The transaction flow for funds transfer using Account Number and IFS Code is as follows:

  • Dial *99# from your Mobile handset.
  • Welcome screen will appear asking you to enter your bank’s 3 letters short name or first 4 letters of IFSC.
  • After entering valid IFS code or short name, menu will appear with different options of available services enabled for your bank.
  • Enter 4 for Fund Transfer using Account Number and IFSC and submit.
  • Subsequent screen to enter Beneficiary Account Number, IFS Code, Amount and Remarks (Optional) will appear.
  • Enter MPIN and last 4 digits of account number (Optional).
  • A confirmation screen will appear showing success response.

Fund Transfer using Aadhaar Number

The NCPI USSD *99# Code can be used for Aadhaar Based Fund Transfer. The user has to connect his/ her Aadhaar Card by USING VAS facility or go to ATM and register Aadhar Card number.

User can transfer funds by using Aadhaar Number of the Beneficiary. The transaction flow for funds transfer using Aadhaar Number is as follows:

  • Dial *99# from your Mobile handset.
  • Welcome screen will appear asking you to enter your bank’s 3 letters short name or first 4 letters of IFSC.
  • After entering valid IFS Code or short name, menu will appear with different options of available services enabled for your bank.
  • Enter 5 for Fund Transfer using beneficiary Aadhaar number.
  • Subsequent screen to enter Beneficiary Aadhaar Number will appear.
  • Enter MPIN and last 4 digits of account number (Optional).
  • A confirmation screen will appear showing success response.

Note: The above are the standard process, however for authentication, different banks may use additional security means such as:

  • Enter Last 4 digit of your Account number OR Enter User Id

Leave a Reply

Your email address will not be published. Required fields are marked *