IMPS Reference Number: Meaning, and How to Track it Online

Every IMPS transfer generates a unique 12-digit code used for IMPS reference number tracking. This identifier enables an IMPS ref no check whenever there is a delay, dispute, or pending status. Learning how to track IMPS reference number ensures reliable and transparent fund transfers.

Key Highlights

• IMPS reference number tracking: Done via mobile banking, internet banking, SMS, or ATMs.
• How to track IMPS reference number: Use the bank portal/app or share with support.
• Details required: Date, amount, beneficiary, and reference number.
• Resolution timeline: Failed transfers usually settle within T+2 days.

What is IMPS Reference Number?

When you make a transfer using IMPS, the system generates a unique 12-digit IMPS reference number. This number serves as a digital footprint of the transaction. It helps the sender and the bank verify whether the money has been successfully credited to the beneficiary’s account.

You can use this number for:

• Transaction verification: Confirming whether the transfer has been completed.
• Complaint resolution: Banks require the IMPS reference number in case of failed or delayed transfers.
• Tracking transfers: It allows customers to use services like IMPS reference number tracking for quick updates.

It acts as the transaction’s identity, ensuring no transfer goes unrecorded or untraceable.

Importance of IMPS Reference Number

The IMPS reference number serves as a tool for both the customer and the bank to assure a transaction's safety and traceability.

Here’s why it matters:

• Proof of Payment: The number acts as a digital receipt, helping both sender and receiver validate that funds have moved successfully.
• Dispute Resolution: If money is deducted but not credited, banks use this reference to trace the transaction.
• Ease of Tracking: With options like IMPS ref no check and track IMPS transaction by reference number, customers can quickly verify the transfer status.
• Transparency: It brings clarity by linking every transfer to a unique identifier, reducing the chances of error or fraud.

This number is crucial for backend settlement and reconciliation for banks and other financial organisations.

How to Find an IMPS Reference Number?

Locating the IMPS reference number is simple, as banks make it available across different channels. Here are the common ways to check IMPS ref no:

Mobile Banking App

• Log in to your bank’s app.
• Go to transaction history or payment history.
• Select the IMPS transaction and view the reference number.

Internet Banking

• Sign in to your net banking account.
• Open the funds transfer history.
• The IMPS reference number will appear alongside the transaction details.

SMS Alerts

• Banks usually send a confirmation SMS after a successful IMPS transfer.
• This SMS will carry the transaction amount, beneficiary details, and reference number.

ATM Slip

The slip will contain the reference number if IMPS is done via an ATM.

Bank Statement

Monthly or instant e-statements display the number next to the transaction line.

Finding it is straightforward, but saving the number immediately is advisable in case you need to raise queries later.

How to Track an IMPS Transaction Using Reference Number?

Most banks offer multiple channels for IMPS reference number tracking. Here are the common methods to track IMPS transaction by reference number:

Mobile Banking Applications

• Open the banking app.
• Go to the funds transfer history.
• Enter or select the IMPS reference number.
• The status will be displayed instantly.

Internet Banking

• Log in to your bank's Internet Banking Portal.
• Select View Transactions or Payment History.
• Verify transaction status using the IMPS reference number.

Customer Support/Branch Visit

• Give the IMPS reference number to bank staff or helpline support.
• They will search and get the status of your transaction for you.

SMS or Email Alerts

• Some banks allow tracking by replying to the SMS received after a transaction.
• Email confirmations also contain clickable details to cross-check.

Third-Party Payment Apps

If IMPS is initiated via apps linked to banks, the number can also be entered within their support portals to track.

What to Do If IMPS Transaction is Failed or Not Tracking?

Sometimes, even with a valid reference number, an IMPS transfer may fail or not reflect immediately. Such cases are common due to network delays, technical errors, or incorrect account details. Knowing what steps to take can help you resolve the issue quickly.

Here’s what you should do:

Wait for a Short Duration

• In many cases, transactions take a few hours to reflect, even though money has been debited.
• Allow some buffer time before raising a complaint.

Check IMPS Ref No with the Bank

• Use the IMPS ref no check option in your bank’s mobile or internet banking platform.
• Confirm whether the payment is showing as “pending” or “failed.”

Raise a Ticket Through Customer Support

• Call the helpline of your bank or visit the nearest branch.
• Provide the details, such as date of transaction, amount, and IMPS reference number.

File a Complaint Online

Banks offer online grievance forms where you can enter the reference number for faster resolution.

Escalate to RBI Ombudsman

If the bank does not resolve the issue within the prescribed time, you can raise a complaint with the RBI Ombudsman.

Most banks resolve IMPS failures within T+2 working days (transaction date + 2 days). Keeping the reference number safe ensures you don’t lose track of your claim.

IMPS Fund Transfer Limits

Although IMPS is designed to facilitate speedy and simple payments, banks and the National Payments Corporation of India (NPCI) have set transfer limits that affect how it operates. The limitations are in place to ensure safety and prevent abuse.

Minimum Transfer Amount

• Usually starts from as low as Rs. 1.
• Suitable for small utility payments or personal transfers.

Maximum Transfer Limit

• The daily cap for the majority of banks varies based on the customer's profile, from Rs. 2 lakh to Rs. 5 lakh.
• Some banks may offer higher limits for priority customers.

Charges

• Banks could levy minor sender charges for IMPS transactions, whereas big banks may provide the service for free. 
• Charges, as levied, range from Rs. 2.50 to Rs. 25, depending on the bank's flying rules and transaction amount. 

Availability

IMPS works 24x7, 365 days a year, unlike NEFT or RTGS, which follow banking hours.

Final Word

The IMPS reference number acts as proof of payment, making it easier to settle disputes and track the money transfer smoothly. By knowing how to track IMPS reference number, you can save time and stress while enjoying quick confirmations. Always retain the reference number as digital proof for every transfer.