SBI MMID – Meaning, How to Get, Check & Use (2026 Guide)
MMID (Mobile Money Identifier) is a 7-digit unique number issued by State Bank of India (SBI) for sending and receiving money through IMPS using your mobile number.
Here’s a simple, step-by-step guide to SBI MMID in easy Indian English.
Quick Summary: SBI MMID
- Full form: Mobile Money Identifier
- Digits: 7-digit number
- Used for: IMPS transfers
- Linked with: Registered mobile number + bank account
- Validity: Active until account/mobile number changes
What Is MMID in SBI?
SBI MMID is used when you send or receive money via IMPS using mobile number + MMID, instead of account number and IFSC.
To complete an IMPS transfer, you need:
- Beneficiary mobile number
- Beneficiary MMID
How to Get MMID in SBI
You can generate or get your SBI MMID using any one of the methods below.
1. Get SBI MMID via SBI YONO App
Steps:
- Open SBI YONO App
- Login → Banking Services
- Go to IMPS / Mobile Transfer
- Select Generate / View MMID
- Your 7-digit MMID will be displayed
✔ Fastest and easiest method
2. Get SBI MMID via SMS
From your registered mobile number, send:
MMID
Send to the SBI IMPS SMS number (as provided by SBI).
You’ll receive an SMS with your MMID.
Note: SMS format or number may vary by circle. YONO App is more reliable.
3. Get MMID from SBI ATM
Steps:
- Insert SBI debit card
- Select IMPS / Mobile Banking
- Choose Generate MMID
- Enter mobile number
- Confirm → MMID shown on screen/receipt
4. Get MMID by Visiting SBI Branch
- Carry ID proof
- Request MMID for your account
- Bank staff will help generate it
How to Check Existing SBI MMID
- SBI YONO App → IMPS section
- ATM receipt (if generated earlier)
- SMS received earlier
If you’ve changed your mobile number, you may need to regenerate MMID.
How to Use SBI MMID for IMPS Transfer
Send Money (Using Mobile + MMID)
You need:
- Beneficiary mobile number
- Beneficiary MMID
- Amount
- MPIN / OTP
Money is credited instantly (24×7).
Receive Money
Share your:
- Registered mobile number
- SBI MMID
That’s it — sender can transfer instantly.
SBI MMID Limits (Indicative)
- Per transaction: Up to ₹2 lakh
- Daily limit: Depends on account & channel
Limits may vary. Check in YONO App for confirmation.
FAQs: SBI MMID
Is MMID same as IFSC?
A. No. MMID is used for mobile-based IMPS. IFSC is used for account-based transfers.
Is MMID mandatory for IMPS?
A. Only if you use mobile number-based IMPS. For account+IFSC, MMID is not needed.
Can I have multiple MMIDs?
A. Yes. Each account linked to a mobile number can have a separate MMID.
Does MMID expire?
A. No, but it may become inactive if your mobile number or account changes.
Common Issues & Troubleshooting
- IMPS failed → Check MMID & mobile number
- Changed mobile number → Regenerate MMID
- MMID not received → Use YONO App instead
Security Tips
- Never share OTP or MPIN
- Share MMID only with trusted people
- Use official SBI apps/ATMs only
- Enable SMS alerts for IMPS transactions
Conclusion
SBI MMID makes instant money transfer via IMPS quick and simple using just your mobile number. The easiest way to generate or check your MMID is through the SBI YONO App.
