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NUUP (*99# Service on USSD platform)
One of the innovative payment service launched by NPCI includes *99# service, which works on Unstructured Supplementary Service Data (USSD) channel. This service was launched envisioning the potential of Mobile Banking and the need for immediate low value remittances which will help in financial deepening and inclusion of underbanked society in the mainstream banking services. *99# service was dedicated to the nation by the Honourable Prime Minister of India Shri Narendra Modi on 28th August 2014 as part of Pradhan Mantri Jan DhanYojana (PMJDY).
*99# service has been launched to take the banking services to every common man across the country. Banking customers can avail this service by dialing *99#, a “Common number across all Telecom Service Providers (TSPs)” on their mobile phone and transact through an interactive menu displayed on the mobile screen. Key services offered under *99# service include, interbank account to account fund transfer, balance enquiry, mini statement besides host of other services. *99# service is currently offered by 43 leading banks & all GSM service providers and can be accessed in 12 different languages including Hindi & English. *99# service is a unique interoperable direct to consumer service that brings together the diverse ecosystem partners such as Banks & TSPs (Telecom Service Providers).
It is a common technology platform developed by NPCI which allows the Banks and TSPs to seamlessly integrate with each other to provide banking services to the customers at large over the mobile phones (basic as well as smartphone).
The maximum limit of fund transfer per customer on NUUP is Rs.5,000 per day.
Convenience of *99*99# Service
It is a value added service from NPCI that facilitates the customers to check the status of his/her Aadhaar number seeding/linking in the bank account. The service works across all GSM service providers and brings together the diverse ecosystem partners such as Banks & TSPs (Telecom Service Providers).
Considering that various subsides and benefits of the State and Central Government schemes under the Direct Benefit Transfer (DBT) programme are being doled out basis the Aadhaar number of the beneficiary; this service has proved to be a convenient mechanism for the users to ascertain his/her Aadhaar seeding/ linking status in the bank account.
Currently, following Financial, Non-financial and Value Added Services (VAS) are offered through *99# service:
A. Send Money
B. Request Money
C. Check Balance
D. My Profile
E. Pending request
F. Transactions
G. UPI PIN
Financial Services
A. Send Money : Users can send money to the beneficiary using one of the following
1. Mobile Number ,
2. Aadhar Number ,
3. Payment address,
4. saved beneficiary,
5. IFSC code and Account Number
B. Request Money : Users can request money from another account holder using beneficiary’s
1. Registered mobile number or
2. Virtual Payment address.
C. Check Balance: View available balance of the bank account linked to user’s mobile number.
D. My Profile : User can manage the following settings in his profile
1. Change Bank Account
2. Change Language
3. My details
4. Payment Address
5. Manage Beneficiary
6. Merchant
7. De register
E. Pending request : pending requests for payments can be seen
F. Transactions : Previous Transactions can be checked
G. UPI PIN : UPIN can be set or changed
Value Added Services:
It is a value added service from NPCI that facilitates the customers to check the status of his/her Aadhaar number seeding/linking in the bank account.
Main Features of *99# Service
• Works without Internet – Uses voice connectivity
• Round the clock availability (works even on holidays)
• Accessible through a common code *99# across all TSPs
• Works across all GSM service providers and mobile handsets
• Additional channel for banking and key catalyst for financial inclusion
• Service also offered through BC Micro ATMs to serve the rural populace
• No additional charges while roaming for using the service
• Round the clock availability to customers (works even on holidays)
• No need to install any application on mobile handset to use the service
What kind of issues are faced by the customer in using *99# service?
While doing transactions on *99#, customers may face following issues:
Mobile handsets: *99# service is available only on GSM handsets.
Handset Compatibility Issue: Though USSD based transactions works across all GSM handsets; however, owning to various reasons, sometimes few handsets do not support
USSD service. Though, the numbers of such handset models is few; still users are requested to check if their handset supports the USSD service (in case they are facing problems while performing transaction).
Technical Error or Declined Request: Transaction not getting completed due toNetwork / connectivity issues at TSPs or Banks end.
Wrong User Inputs: Transaction will get declined if the user enters wrong information like IFS Code, Account number, UPIN etc.
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