If you want to transfer money using IMPS via mobile number, you may come across the term MMID. Here’s a complete guide on MMID in Indian Bank — what it is, how to generate it, and whether it is still required in 2026.

Quick Summary: MMID in Indian Bank

Feature	Details
Full Form	Mobile Money Identifier
Digits	7-digit number
Used For	IMPS transfer via mobile number
Mandatory in 2026?	Mostly replaced by UPI
How to Get	Mobile banking / Branch

What is MMID?

MMID stands for Mobile Money Identifier.

It is a 7-digit unique number linked to your:

• Bank account
• Registered mobile number

It is mainly used for IMPS mobile number-based transfers.

Earlier, to send money via IMPS using mobile number, you needed:

• Recipient’s mobile number
• Recipient’s MMID

Is MMID Still Required in 2026?

In most cases, UPI has replaced MMID-based transfers.

Today, you can simply:

• Use UPI ID
• Use mobile number linked with UPI
• Scan QR code

MMID is rarely used now, but IMPS via account number + IFSC is still active.

How to Generate MMID in Indian Bank

If required, you can generate MMID using these methods:

Through Indian Bank Mobile Banking App

Steps:

1. Open Indian Bank mobile banking app.
2. Login securely.
3. Go to IMPS / MMID Services.
4. Select Generate MMID.
5. Confirm details.

Your 7-digit MMID will be displayed on screen.

Via Net Banking

1. Login to Indian Bank net banking.
2. Navigate to Funds Transfer.
3. Select IMPS via Mobile Number.
4. Choose option to generate MMID.

Visit Branch

If you cannot generate online:

• Visit nearest Indian Bank branch.
• Submit request for MMID activation.
• Ensure your mobile number is registered.

How to Use MMID for IMPS Transfer

If someone is sending you money using MMID, they need:

• Your mobile number
• Your MMID

To send money:

1. Open mobile banking.
2. Select IMPS.
3. Choose Mobile Number + MMID option.
4. Enter recipient details.
5. Enter amount.
6. Confirm using MPIN/OTP.

Money is credited instantly.

IMPS Transfer Limits (2026)

Transfer Type	Limit (Typically)
IMPS	Up to ₹5 lakh (may vary)
UPI	Usually up to ₹1 lakh

Limits may differ by bank policy.

Common Issues & Solutions

MMID Not Showing

• Ensure mobile number is registered.
• Update mobile banking app.
• Contact branch if issue continues.

IMPS Failed

• Check network.
• Verify MMID and mobile number.
• Confirm sufficient balance.

Security Tips for IMPS & MMID

Double-check mobile number and MMID.
Never share MPIN or OTP.
Use official Indian Bank app only.
Avoid using public WiFi for transactions.

FAQs: MMID Indian Bank

Conclusion

MMID in Indian Bank is a 7-digit identifier used for IMPS mobile-based transfers. However, in 2026, most customers prefer UPI for faster and simpler transfers.

If you still need IMPS via mobile number, you can generate MMID through mobile banking or branch. Always verify details carefully before transferring funds.