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1. Customer having mobile number with any service provider can use this facility.
2. Facility can be used in any type of mobile hand set.
3. There is no need to download any software.
4. There is no need for GPRS (internet) connectivity.
5. The sent/received response messages will not be stored in the mobile hand set and more secured.
6. Transaction flow of customer of any bank is uniform and simple to use.
7. Remitter can send remittance 24x7x365 basis and for the successful transaction, beneficiary account will get credited within 30 seconds.
8. Funds transfer using a/c no + IFSC (p2a) and Mobile Number + MMIDare also available.
9. Customer who needs balance enquiry and mini statementcan use the facility directly using the Mobile Number registered with the Bank.
10. Customer who wants to avail Funds Transfer facility also should apply for Mobile Banking and get MPIN from their Branches.
 11. To user this facility, the MMID for the account has to be generated either from Net Banking or by sending SMS - MMID to 9444394443.
12. As on date the following menu are enabled
a. Balance Enquiry
 b. Mini Statement
c. Funds Transfer (Beneficiary Mobile & MMID) – Up to Rs.5000/- per day
d. Funds Transfer (Beneficiary Account No & IFSC) – Up to Rs.5000/- per day
Can perform transactions
· From anywhere
 · From any mobile
 · Anytime (24 X 7)
 · Without net connection
· No Bank charges for funds transfer
Indian Bank: Corporate Office 254-260, Avvai Shanmugam Salai Royapettah, Chennai 600 014.

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