What Is Mmid In PNB?

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

In the era of digital banking, several innovative features and technologies have emerged to make financial transactions more convenient and accessible. One such feature is MMID, which stands for Mobile Money Identifier. MMID is a unique identification number used in mobile banking transactions, including those offered by Punjab National Bank (PNB). In this blog, we will delve into the concept of MMID, its significance, and how it facilitates mobile banking transactions for PNB customers.

What Is Mmid In PNB?

MMID, or Mobile Money Identifier, is a seven-digit unique identification number assigned to customers for mobile banking services. It enables users to make interbank funds transfers using the Immediate Payment Service (IMPS) platform. IMPS is an instant payment system that allows individuals to transfer funds from one bank account to another using mobile devices, 24/7, including weekends and holidays.

PNB, being one of the prominent banks in India, offers mobile banking services to its customers, and MMID plays a vital role in facilitating secure and convenient interbank transactions through the IMPS network.

Significance Of Mmid In PNB Mobile Banking

  1. Secure Transactions: MMID adds an extra layer of security to mobile banking transactions. When initiating an IMPS transfer, the MMID, along with the recipient’s mobile number, serves as a unique identifier to ensure that funds are transferred to the intended recipient’s account.
  2. Simplified Transactions: MMID simplifies the process of transferring funds through mobile banking. Instead of providing lengthy bank account details, customers can use the recipient’s MMID and mobile number to initiate transactions quickly and efficiently.
  3. Instant Fund Transfers: With MMID, PNB customers can enjoy the benefits of instant fund transfers through IMPS. Transactions can be initiated and completed within seconds, providing convenience and flexibility for individuals in need of immediate money transfers.
  4. Accessibility and Availability: MMID-based transactions are available 24/7, allowing customers to initiate funds transfers at any time, even outside traditional banking hours. This accessibility ensures greater convenience and flexibility for PNB customers.

Obtaining Mmid In PNB

To obtain an MMID for mobile banking transactions in PNB, customers need to follow these general steps:

  1. Registration: Customers must first register for mobile banking services with PNB. This typically involves visiting the nearest branch or using the bank’s mobile banking application to complete the registration process.
  2. Verification and Activation: Once registered, customers undergo a verification process to ensure the authenticity of their mobile banking account. Upon successful verification, the mobile banking service is activated.
  3. MMID Generation: After activation, PNB provides customers with a unique MMID associated with their mobile banking account. The MMID is typically sent via SMS to the registered mobile number or can be obtained through the mobile banking application.

Using Mmid For Transactions

To initiate a funds transfer using MMID in PNB mobile banking, customers need to:

  1. Launch the PNB mobile banking application or access the mobile banking platform through USSD codes or SMS services.
  2. Select the option for funds transfer or IMPS.
  3. Enter the recipient’s mobile number, MMID, and the transfer amount.
  4. Authenticate the transaction using the provided security credentials, such as a PIN or OTP (One-Time Password).
  5. Verify the transaction details and confirm the transfer.


MMID plays a vital role in simplifying and securing mobile banking transactions for PNB customers. With MMID, individuals can enjoy the convenience of instant fund transfers through the IMPS platform, using a unique identification number and the recipient’s mobile number. PNB customers can leverage MMID to facilitate interbank transactions anytime, anywhere, enhancing their banking experience and providing greater financial flexibility.

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How Can I Check My Mmid In PNB?

You can generate your MMID via PNB ONE -> Login -> Service -> MMID -> View & Generate MMID.

How Can I Register For Mmid In PNB?

Phone Banking

  • 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 Ifsc Code Same?

MMIDs are unique codes which you can use to quickly transfer money to a bank account. You do not need to enter a bank account number and IFSC code. What details do you need to transfer money to someone’s bank account? Until a few years ago, you needed the beneficiary’s bank account number and IFSC code.

What Is Mmid Vs Mpin?

The MMID is a 7-digit identification number and the MPIN is a four-digit number password that applies for mobile banking. Now add your beneficiaries to your account and link their account details with your registered mobile number and obtain their MMID from your bank.

Where Is My Mmid Number?

Retrieval of MMID Number
In case you have forgotten your MMID, here is how you can retrieve it. Send SMS to 9223440000 typing ‘MMID SBI account number’ to retrieve the MMID for your particular account. Send SMS to 9223440000 typing ‘MMID SBI’ to retrieve MMID number for all your SBI accounts.

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