In a significant move towards financial inclusion, the National Payments Corporation of India (NPCI) launched the *99# service. This USSD-based mobile banking initiative is designed to bring banking services to every corner of India, bridging the digital divide by removing the dependency on high-end technology.

[Image of USSD banking workflow in India]

What is *99# Service?

The *99# service is a unique "Unstructured Supplementary Service Data" (USSD) channel that allows customers to access their bank accounts and perform financial transactions using a basic GSM mobile handset. Unlike modern banking apps, this service does not require an active internet connection or a smartphone.

Key Features and Benefits

• No Internet Required: Works on voice connectivity, making it ideal for rural and remote areas.
• Works on All Handsets: Compatible with everything from a basic ₹1,000 feature phone to the latest iPhone.
• 24/7 Availability: Accessible anytime, including Sundays and public holidays.
• Multi-lingual Support: Available in 13 different Indian languages to ensure ease of use for everyone.
• Interbank Transfers: Supports funds transfer using Mobile Number & MMID or Account Number & IFSC.

How to Get Started

To use this service, follow these simple steps:

1. Dial *99# from the mobile number registered with your bank.
2. Enter your bank's name or the first 4 digits of your IFSC.
3. Select the service you need (Balance Enquiry, Mini Statement, or Fund Transfer).
4. Authenticate the transaction using your UPI PIN.

Available Services

Through the *99# menu, users can perform both financial and non-financial tasks, including:

• Balance Enquiry and Mini Statement
• Fund Transfer (UPI, Account Number, or Aadhaar)
• Change or Reset UPI PIN
• Check Aadhaar Linking Status with Bank Account