MMID Full Form: Mobile Money Identifier for IMPS Explained
Independent guide. We are not part of RBI, NPCI or any bank, and we never ask for your account details, PIN or OTP.
MMID stands for Mobile Money Identifier. It is a 7-digit number your bank gives you. Your mobile number plus your MMID point to one of your bank accounts, so someone can send you money by IMPS without knowing your account number or IFSC. Each account gets its own MMID.
- Full form
- Mobile Money Identifier
- Length
- 7 digits
- First 4 digits
- Your bank's IMPS code
- Used with
- IMPS, with your mobile number
- Issued by
- Your bank, one per account
- Timings
- 24×7×365, no holidays (IMPS)
What is MMID?
NPCI, which runs IMPS, describes MMID as a 7-digit number issued by banks. Combined with your mobile number, it is uniquely linked to one bank account. If you have several accounts on the same mobile number, each has a different MMID. Some banks, such as SBI, HDFC Bank and PNB, call it the "Mobile Money Identification Number".
| Digits | In 9012345 (sample) | Meaning |
|---|---|---|
| 1st–4th | 9012 | The bank offering IMPS (a unique code per bank) |
| 5th–7th | 345 | Set by your bank for your account |
Sending money by mobile number + MMID is called P2P (person to person) IMPS. Sending by account number + IFSC is called P2A (person to account).
How a payment by mobile number and MMID works
What the sender and receiver need
- Your mobile number must be registered with your bank for mobile banking.
- Generate an MMID for the account where you want the money. This is a one-time step.
- Share only your mobile number and MMID with the sender. Never share your MPIN or OTP.
- If you change your registered mobile number, SBI says you must generate a new MMID.
- HDFC Bank lets only resident accounts generate an MMID, not NRE or NRO accounts.
- You need the receiver's mobile number, 7-digit MMID and name.
- You need your bank's mobile banking (or net banking, at some banks) and your MPIN or OTP to approve.
- Some banks set a lower limit for mobile + MMID payments than for account + IFSC (see the table below).
How to get your MMID
Look for "Generate MMID" or "IMPS" in your bank's app or net banking. Official examples:
| Bank | How to generate MMID |
|---|---|
| HDFC Bank | NetBanking: Account → Account Details → Generate MMID. App: Accounts → Generate MMID. Or call phone banking; the MMID comes by SMS by the next working day. |
| ICICI Bank | Net Banking, or SMS MMID <last 4 digits of account number> to 9222208888. |
| PNB | Mobile banking or internet banking. |
How to send money by mobile number and MMID
- Open fund transfer in your bank app or net banking and choose IMPS by mobile number and MMID.
- Enter the receiver's name, mobile number and MMID.
- Enter the amount and confirm with your MPIN or OTP.
- Keep the reference number shown on the success screen.
Limits by MMID: bank examples
IMPS allows up to ₹5 lakh per transaction, but banks may set a much lower limit for mobile + MMID payments:
| Bank | Mobile + MMID | Account + IFSC |
|---|---|---|
| HDFC Bank | ₹5,000 per transaction | ₹5 lakh per transaction |
| ICICI Bank (Net Banking) | ₹10,000 per transaction and per day | ₹5 lakh per transaction, ₹20 lakh per day |
Charges are the same as for any IMPS payment at your bank. See the IMPS guide for timings and charges.
MMID vs IFSC vs UPI ID
| MMID | IFSC | UPI ID | |
|---|---|---|---|
| What it is | 7 digits | 11 characters | A handle like name@bank |
| Identifies | One account (with your mobile number) | A bank branch (you also need the account number) | One account linked in a UPI app |
| Used for | IMPS only | IMPS, NEFT, RTGS | UPI |
| Receiver must register? | Yes, mobile banking + MMID | No | Yes, a UPI app |
| Secret? | No, safe to share | No, public | No, safe to share |
Wrong MMID and safety
- Wrong MMID or mobile number: HDFC Bank says the payment will very likely be rejected; SBI warns it may be credited to the wrong person. Check both before you pay.
- Sharing your MMID is safe: it can only be used to send money to you. To take money out of an account, the account holder must approve with their own MPIN or OTP.
Never share your MPIN, OTP, card details or banking password, even with callers claiming to be from your bank. You never need them to receive money.
History of MMID
IMPS started with mobile number + MMID as its only way to pay. Account number + IFSC was added later, because people whose mobile number was not registered for mobile banking could not receive money.
NPCI pilots IMPS with four banks.
IMPS launches publicly, using mobile number + MMID.
FAQs
What is the full form of MMID?
Mobile Money Identifier. Some banks call it Mobile Money Identification Number. It is a 7-digit number used with your mobile number to receive IMPS payments.
Is MMID the same for all my bank accounts?
No. Each account linked to your mobile number has its own MMID.
Do I need an MMID to receive IMPS money?
Only if the sender pays by mobile number. If they use your account number and IFSC, you need no MMID or registration.
Is it safe to share my MMID?
Yes. It only lets people send money to you. Never share your MPIN or OTP.
Does my MMID change if I change my mobile number?
Yes. SBI says you must generate a new MMID after changing your registered mobile number.
Is MMID used in UPI?
No. UPI uses a UPI ID, QR code or mobile number. MMID is used only for IMPS.
Official sources
- NPCI – About IMPS (MMID, P2P and P2A) (accessed 31 Oct 2026)
- NPCI – IMPS FAQs (accessed 31 Oct 2026)
- SBI – IMPS FAQs (MMID format; new MMID after mobile change) (accessed 31 Oct 2026)
- HDFC Bank – IMPS (generate MMID, limits, residents only) (accessed 31 Oct 2026)
- ICICI Bank – IMPS (generate MMID by SMS, limits) (accessed 31 Oct 2026)
- PNB – IMPS (what is MMID) (accessed 31 Oct 2026)
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