MMID stands for Mobile Money Identifier. It’s a unique 7-digit number issued by your bank that links your mobile number with your bank account. It’s used for sending or receiving money through IMPS (Immediate Payment Service) — especially useful if you don’t have someone’s full bank account details.
- You need MMID + mobile number to receive funds via IMPS.
- You need MMID + mobile number + OTP/M-PIN to send funds.
How to Get Your MMID
1. Via SMS (For HDFC Bank)
- Send:
MMID <Last 4 digits of A/C> - To: 5676712
- You’ll receive your MMID via SMS.
2. Using HDFC Mobile Banking App
- Log in → Select your account → Tap on IMPS or MMID options.
- You’ll see or can generate your MMID here.
3. Through NetBanking
- Log in → Go to Funds Transfer > IMPS > Generate MMID.
- You can view or regenerate your MMID anytime.
4. Visit a Branch or ATM
- Ask for MMID generation at a branch or ATM.
Can You Have Multiple MMIDs?
Yes. If you have multiple accounts linked to the same mobile number, your bank can issue a separate MMID for each account. This helps route funds correctly.
Using MMID to Send or Receive Money (IMPS)
- To receive funds: Give the sender your mobile number + MMID.
- To send funds: You need the receiver’s mobile number + MMID, and you’ll authorize using OTP or M-PIN.
Is MMID Safe?
Yes, MMID is secure. It’s tied to your mobile number and does not expose full account details. Always verify recipient details before confirming an IMPS transfer.
Summary
- MMID is a 7-digit code that lets you transfer money via mobile quickly and safely using IMPS.
- It’s easy to get from your bank via SMS, app, NetBanking, or branch.
- Combine it with your mobile number to send or receive money instantly, even without full bank details.
