Are you curious to know what is MMID in HDFC? You have come to the right place as I am going to tell you everything about MMID in HDFC in a very simple explanation. Without further discussion let’s begin to know what is MMID in HDFC?

In today’s digital age, banking has become more accessible and user-friendly than ever before. HDFC Bank, one of India’s leading financial institutions, offers a range of services designed to enhance the banking experience for its customers. One such feature is MMID, which stands for Mobile Money Identifier. In this blog, we will explore what MMID is, how it works, and the convenience it brings to HDFC Bank customers.


MMID, short for Mobile Money Identifier, is a unique 7-digit number that is assigned to an HDFC Bank customer’s bank account. It is primarily used for facilitating Immediate Payment Service (IMPS) transactions through mobile banking or internet banking platforms. IMPS is a real-time interbank electronic funds transfer system in India that enables users to transfer funds securely and conveniently.

Key Features Of MMID:

  1. Uniqueness: Each HDFC Bank customer is provided with a unique MMID that is linked to their bank account. This number is non-transferable and specific to the customer’s account.
  2. Ease of Transaction: MMID simplifies the process of sending and receiving money through mobile banking apps. Users can initiate transactions using MMID without the need for detailed account information.
  3. Immediate Transfer: IMPS transactions using MMID are typically processed instantly, ensuring that funds are transferred to the recipient’s account without delay.
  4. 24/7 Availability: IMPS transactions using MMID can be initiated at any time, even outside regular banking hours. This flexibility adds to the convenience of using MMID for transfers.

How Does MMID Work?

Using MMID for IMPS transactions is straightforward:

  1. Generate MMID: HDFC Bank customers can request their MMID through various channels, including the bank’s mobile banking app, internet banking portal, or by visiting a branch. The MMID is linked to the customer’s bank account.
  2. Recipient’s MMID: To send money to someone, you need to know their MMID, which should be shared by the recipient.
  3. Initiate Transaction: Using your HDFC Bank mobile banking app or internet banking portal, select the IMPS option and enter the recipient’s MMID along with the amount you wish to transfer.
  4. Transaction Confirmation: Review the transaction details and confirm the transfer. You may also need to enter a Mobile Personal Identification Number (MPIN) for added security.
  5. Instant Transfer: The funds will be transferred instantly to the recipient’s account, and both parties will receive confirmation of the transaction.

Benefits Of Using MMID

  1. Convenience: MMID simplifies the process of transferring funds, as it eliminates the need to remember or share detailed account information. It’s particularly useful for individuals who frequently conduct mobile or internet banking transactions.
  2. Accessibility: IMPS transactions using MMID can be initiated 24/7, providing users with flexibility and accessibility, even during holidays and non-banking hours.
  3. Speed: MMID facilitates real-time transactions, ensuring that the recipient receives the funds almost immediately.
  4. Security: IMPS transactions using MMID are secure and require authentication through MPIN, ensuring that the funds are transferred only when authorized by the account holder.


MMID, or Mobile Money Identifier, is a valuable feature offered by HDFC Bank that enhances the ease and efficiency of conducting mobile banking transactions. With its unique 7-digit number linked to your bank account, MMID simplifies the process of sending and receiving money securely, making it a popular choice for HDFC Bank customers who value convenience and accessibility in their banking experience.

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Where Can I Find My HDFC MMID?

You need to login to Mobile Banking App or visit m.HDFCbank.com using your mobile internet browser. Go to the Accounts section. Click on the available option to ‘Generate MMID.

Where Can I Find My MMID Number?

Call the bank’s phone banking number. Choose the language and select the banking option. Talk to a customer care representative and ask for the generation of MMID. MMID will be sent to the account holder’s registered mobile number within a 24-hour window.

Is MMID And Customer Id Same?

Once the customer register his/her mobile number with their bank, it will issue them a 7-digit unique MMID code that can used for immediate transfer of funds using IMPS. The first 4 digits of this code is the unique identification number of the bank from where the customer has got their IMPS service.

What Is Imps Or MMID?

You can use MMID to send funds to another bank account through the Immediate Payment Service (IMPS). IMPS is most useful for customers who use their smartphones to send money. To initiate an IMPS transaction, both the sender and the receiver should have MMIDs for their bank accounts.

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