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 IMPS  :   Application Based   SMS Based    ATM
 Immediate Payment Service (IMPS) on ATM


Immediate Payment Service (IMPS) is an instant interbank electronic fund transfer service through mobile phones. This service is provided by National Payment Corporation of India (NPCI) to the NFS members banks. IMPS facilitate customers to use mobile instruments as a channel for accessing their banks accounts and remitting funds there from. Using this service, customers of any banks can do fund transfer or payment instantly using his/her mobile phones on 24x7 basis.

Considering the real time process round the clock and more secured, ATM is considered as one of relevant channels and useful for customer to do IMPS fund transfer securely. Our customers can send money to other bank customers through LVB ATMs using his/her Debit cards.


1.     IMPS on ATM available all time 365x24x7.

2.     Fund transfer using IMPS is instant and secured.

3.     IMPS on ATM will support both inter-bank (beneficiary having account in other bank) and intra-bank (beneficiary having account in our bank) fund transfer.

4.     Mobile phone not required for initiating IMPS transaction.

5.     SMS alert will be sent to the remitter for debit of his/her account debit and credit of his/her beneficiary’s account.

  Click here to view the procedure for doing IMPS Transaction in ATM

 LVB's HANDYPAY - Mobile Banking application


Send SMS as “LVBDOWNLOAD” to “ 9282441155 “. URL will be received in SMS to download the Handy Pay application. Select the exact handset/mobile make, exact model and download the HandyPay application.

Home Screen for HandyPay Application

The Home screen is designed to display the Bank’s logo with the goddess Lakshmi. The menus available in the home screen are

1.     IMPS

2.     Railway Ticket Booking

3.     Air Ticket Booking

4.     Movie Ticket Booking

HandyPay - Immediate Payment Service ( IMPS) 

 Click here to view the Demo

Immediate Payment Service (IMPS), offers an instant, 24X7, secured, inter bank and intra bank electronic fund transfer service through mobile phones with immediate confirmation features on a real time basis/instantly.

Eligibility for availing service: Our SB/Current Account holders with VISA debit card only.

A Customer has to fill-in the mobile banking services request form (Click here to download the request form) for availing this facility and submit to their base branch where his/her account is maintained.  Upon successful registration, the Mobile Money Identifier (MMID) will be sent to customer mobile through SMS. Our Bank MMID starts with 9056.  Eg. 9056013

It is our customers’ choice to use either SMS based transactions or downloading the applications in High end mobiles to perform transactions.  

We are the first among south based Bank to introduce this facility. Click here to view the list of banks having IMPS facility.


Process flow of IMPS ( Application Based ):


Send SMS as “LVBDOWNLOAD” to “9282441155“. URL will be received in SMS to download the application.Select the exact handset/mobile make, exact model and download the application

Click here to view the Screen flow , Eligibility and Procedure


Process flow of IMPS ( SMS Based ):


1.     Remitter transfers funds to the beneficiary using either the downloaded  and activated mobile banking application on your mobile phone or the following SMS syntax and send to


IMPS <Beneficiary Mobile Number> <Beneficiary MMID> <Amount>

Example of the SMS is as follows:

IMPS 9812345678 9000000 1000

9812345678 - Beneficiary Mobile Number (10 Digit)

9000000 – Beneficiary MMID (7 Digit)

1000 - Amount to be remitted

2.     Outbound Interactive Voice Response (IVR) is initiated by our bank to obtain MPIN from remitter.

3.     Remitter enter his/her MPIN

4.     On Successful validation, account is debited and the amount is credited to beneficiary.

5.     Remitter has to check the confirmation SMS for debit of his/her account and credit to beneficiary account.

This facility can be used in any mobiles irrespective of service provider and the hand set model/brand. 


Salient Features of IMPS  

  • Faster Funds transfer from one bank account to another within 30 seconds
  • No need to share the Bank Account.
  • Confirmation of funds transfer through SMS to Sender and receiver
  • Only through Registered mobile, transaction can be carried out.
  • No loss of Bank account details in case of lost of mobile.
  • Using any mobiles irrespective of service provider/Hand set model/Make can be done.
Funds transfer up to Rs.50,000/- can be made any time (24 X 7 X 365), anywhere
Charges for availing this service:

Presently we are providing this facility free of cost. Hence there is no Registration and Transaction charges at present.

SMS Charges:  normal SMS charges applicable

Maximum No. of transactions per day : 5 (Five)

Maximum Transaction amount per day is  Rs. 50,000/-

Click here to View the FAQs
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