The innovative payment service *99# works on Unstructured Supplementary Service Data (USSD) channel. This service allows mobile banking transactions using basic feature mobile phone, there is no need to have mobile internet data facility for using USSD based mobile banking. It is envisioned to provide financial deepening and inclusion of underbanked society in the mainstream banking services.

*99# service has been launched to take the banking services to every common man across the country. Banking customers can avail this service by dialling *99#, a “Common number across all Telecom Service Providers (TSPs)” on their mobile phone and transact through an interactive menu displayed on the mobile screen.

Key services offered under *99# service include, interbank account to account fund transfer, balance enquiry, mini statement besides host of other services.

*99# service is currently offered by 51 leading banks & all GSM service providers and can be accessed in 12 different languages including Hindi & English.

*99# service is a unique interoperable direct to consumer service that brings together the diverse ecosystem partners such as Banks & TSPs (Telecom Service Providers).


What You Can do with USSD Banking?

Financial Services Non-Financial Services
Fund transfer via:

  • MMID
  • Aadhaar
  • Account number
  • Balance Enquiry
  • Mini statement
  • OPT generation
  • Generation and change of MPIN


Features & Benefits of USSD *99# Service

  • Works without data connection on a basic phone
  • Works round the clock
  • Easy to use
  • Works on all GSM handsets
  • Highly secure interface


Funds Transfer limit:

  • Rs 5,000/day
  • Rs 50,000/annum


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