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| == IMPS == | | == See also == |
| An alternative to UPI is to use IMPS with phone number beneficiary (it also allows account number + IFSC) which needs phone number + Bank name only. So if we know someone's phone number and their bank name, we can transfer using IMPS/Net Banking.
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| Banks with Net Banking where sending money like this is confirmed working,
| | # [[Making payments using Free Software]] |
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| # Federal Bank | |
| # Bank of Baroda
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| # Indian Bank - they have both normal IMPS where you wait to add beneficiary, and "IMPS 24x7 - without adding beneficiary" that works instantly
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| Banks that don't offer this option,
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| # ICICI Bank - they still ask for MMID in addition to phone number.
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| # HDFC
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| # SBI
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| # City Union Bank (CUB) - they present a large form with lots of details. Specifically, IFSC code and account number seems to be mandatory (mobile number field also there, along with email, but there was no option to enter just the bank name)
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| Reference: This option was introduced from 1st February 2024 [https://pavzi.com/imps-new-rules-2024-allowed-to-transfer-upto-5lacks-without-account-number/] But all banks may not have implemented this in their Net Banking applications yet.
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