How to transfer money from one account to another using your mobile without internet access?

You do not need an internet connection to transfer money to an account using your mobile phone.  You can use NUUP, short for National Unified USSD Platform. NUUP is a mobile banking service provided by NPCI (National Payment Cooperation of India) which works on USSD (Unstructured Supplementary Service Data) technology.  USSD technology, which is unique to GSM handsets, provides session-based communication enabling a variety of applications.  USSD codes are typically used to activate and deactivate services, check available balance, recharge your account, etc.

You can transfer money using NUUP in two ways:

Using MMID and Mobile Number
Dial *99# from your Mobile.
Enter 3 letters of your bank’s short name, first 4 letters of IFSC code or the 2 digit bank numeric code
Once you enter a valid short name, IFSC code or 2 digit bank numeric code you will get a menu with a list of available services enabled for your bank.
Enter 3 for Fund Transfer using MMID and mobile number and submit.
Enter Beneficiary mobile number, MMID and amount.
Enter MPIN.
A confirmation screen will appear showing whether the transaction was a success or a failure.

Fund Transfer using IFSC and Account Number
Dial *99# from your Mobile.
Enter 3 letters of your bank’s short name, first 4 letters of IFSC code or the 2 digit bank numeric code
Once you enter a valid short name, IFSC code or 2 digit bank numeric code you will get a menu with a list of available services enabled for your bank.
Enter 4 for Fund Transfer using IFSC and account number and submit.
Enter Beneficiary account number, IFSC code, Amount.
 Enter MPIN.
A confirmation screen will appear showing whether the transaction was a success or a failure.
 
How to register for mobile banking?
You need to register your mobile number with your bank to use NUUP services.

How to register your mobile number with SBI

• Send MBSREG to 9223440000 to receive UserID and Default MPIN and link for downloading the application. Download State Bank Freedom application using the link received, if preferred mode of channel is application based or browse https://mobile.onlinesbi.com on mobile or Click here to download to PC.

• Login to Internet Banking Service. Click on e-service tab on top, select State Bank Freedom and complete the steps indicated.
• Activate using State Bank ATM-cum-Debit card at any State Bank ATM. Choose ‘Mobile Registration > Mobile Banking Registration > Registration’ and enter your 10 digit mobile number, which should be already registered with the Bank.
• Submit registration form at the Home Branch for immediate activation.

• Customer can visit nearest Branch to register his/her mobile number.

• Register yourself for Mobile Banking at select ICICI Bank ATMs.
• Visit your nearest ICICI Bank Branch to register yourself for Mobile Banking.

How to register your mobile number with Axis Bank

• To avail of the services offered on Axis Mobile, you need to register your mobile phone number at any Axis Bank ATM/Branch for SMS Banking. However, if you have provided your mobile number in the account opening form, then it gets automatically registered for SMS Banking.
• If you are an Axis Bank customer having a Savings Account (except NRI) and ATM cum Debit Card and you are registered for SMS Banking, then you can avail of Mobile Banking Facility.

How to register your mobile number with Punjab National Bank

• Fill the form manually at branch.
• User receives SMS password, Login Password and Transaction Password
• Choose type on https://mobile.netpnb.com after password activation

A more comprehensive list of the ways to register your mobile phone for other banks can be found here.

How can you find your bank’s short name, 4 letters of the IFSC code or numeric code?
I have created a table which lists the short name and the first 4 letters of the IFSC codes for the top 5 banks below.

Bank	First four letters of IFSC	Short code	Bank Numeric Code
State Bank of India	SBIN	SBI	41
HDFC Bank	HDFC	HDF	43
ICICI Bank	ICIC	ICI	44
Axis Bank	UTIB	AXB	45
Punjab National Bank	PUNB	PNB	42

A more comprehensive list can be found here.

How to generate the MMID?
Mobile Money Identification Number or MMID is a unique seven digit number allotted by your bank for receiving funds through IMPS.

How to get MMID for SBI?

• All registered Mobile Banking Users will be allotted MMID and which will be Send through SMS on next day of registration.
• For others to Generate MMID:
• Go to ATM >MobReg>SMS SMS Alert / 3DSecured Code / IMPS>10 digit Mob No. Or Apply at the Branch for online registration.
• User will Receive MMID through SMS.
• For Retrieval/Cancellation of MMID:
• Send SMS “MMID SBI” to 9223440000 to retrieve your MMID.
• Send SMS “MMIDCANCEL” to 9223440000 to cancel your MMID.

How to get MMID for HDFC Bank?

• Customer can call PhoneBanking numbers and register for IMPS, below is the process
• Call PhoneBanking number
• Select Language
• Select 1 for Banking
• Select 6 to talk to agent for IMPS registration, MMID will be sent to your mobile phone by next working day

• iMobile Application
• Go to iMobile on your mobile phone >> Select Bank Account >> Select Desired Account >> Select Insta FT(IMPS) >> Select Generate MMID >> Your 7-digit MMID will be displayed.
• USSD
• Dial *525# >> ICICI Bank Mobile Banking menu will appear. Enter 7 for More Services >> Enter 4 for Generate MMID >> Enter the last 4 digits of the account number for which MMID needs to be generated >> Your 7-digit MMID will be displayed.
• SMS
• SMS MMID >space< to 9222208888 to know MMID for the particular account.
• Internet Banking
• Login to Internet Banking >> Click on Generate MMID >> Select Account Number for which MMID needs to be generated.

• SMS MMID to 5607040

• SMS MMID to 5676782 from the registered mobile number to receive the MMID