How to transfer money without having internet connection

Whenever we need to transfer money to someone through the bank, we use a lot of money transfer modes. In today's era, internet and mobile are very popular. Keeping this in mind, the Indian Government has made a lot of changes in the facilities to transfer money from the bank and has tried to make it easier.

At present, the UPI Payment is very popular in India and its use is increasing day by day. By using mobile through Unified Payment Interface (UPI), we can transfer money to another bank account from a bank account in a very short time. 

At present, there have been many applications that have been provided UPI service in India, including applications such as Google Pay, Phonepe, Bhim UPI App, Paytm and WhatsApp (Payment).

To run all these UPI Based Applications in India, we need a smartphone as well as an active internet connection.  Use of these applications is not possible without internet.

There are many bank account holders in India who do not have a smartphone.  That is why the Indian government has launched a system through which money can be transferred from one bank account to another bank account from any mobile.

This system can work in any feature phone, as well as the Internet also does not need it. National Payment Corporation of India (NPCI) launches USSD Based Internet Banking Services in 2006. Under this service, the "* 99 #" code is launched through which it is possible.

What are the options available in this service

• Send Money
• Request Money
• Check Balance
• My Profile
• Pending Transactions
• Transactions
• UPI PIN

Which telecom companies support it

• Airtel
• BSNL
• MTNL
• Vodafone Idea

Note: At present this service is not available on Jio Network.

For which bank account holders this service is available

This service is available for the following banks till October 2021. It is possible that in future more banks will join it.

• Axis Bank
• Andhra Bank
• Karnataka Bank
• Union Bank of India
• Vijaya Bank
• Punjab National Bank
• YES Bank
• IndusInd Bank
• Bank of Maharashtra
• The Thane Janta Sahakari Bank Ltd(TJSB)
• The Ratnakar Bank Limited
• ICICI Bank
• Canara Bank
• UCO Bank
• South Indian Bank
• IDFC
• IDBI Bank
• Allahabad Bank
• Kotak Mahindra Bank
• Bank Of Baroda BARB
• HDFC
• State Bank Of India
• Dena Bank
• Karur Vysaya Bank
• Standard Chartered
• Indian Bank
• Ujjivan Small Finance Bank Limited
• Federal Bank
• Paschim Banga Gramin Bank
• Sarva Haryana Gramin Bank
• AU Small Finance Bank
• Himachal Pradesh Gramin Bank
• Jana Small Finance Bank
• Central Bank of India
• Syndicate Bank
• Indian Overseas Bank
• Bank Of India
• Punjab and Sind Bank
• City Union Bank
• The Lakshmi Vilas Bank Limited
• G P Parsik Bank
• Vasai Vikas Co-op Bank Ltd
• Thane Bharat Sahakari Bank
• Apna Sahakari Bank
• Janta Sahakari Bank Pune
• Rajkot Nagari Sahakari Bank Ltd
• Punjab and Maharastra Co. bank
• Jammu & Kashmir Bank
• The Mehsana Urban Co-Operative Bank
• Bandhan Bank
• The Saraswat Co-Operative Bank
• The Kalyan Janta Sahkari Bank
• Kallappanna Awade Ichalkaranji Janata Sahakari Bank Ltd.
• The Gujarat State Co-operative Bank Limited
• The Hasti Co-operative Bank Ltd
• The Mahanagar Co-Op. Bank Ltd
• Airtel Payments Bank
• J & K Grameen Bank
• FINO Payments Bank
• Kerala Gramin Bank
• Pragathi Krishna Gramin Bank
• Karnataka vikas Gramin Bank
• Andhra Pragathi Grameena Bank
• Prathama Bank
• Maharashtra Grameen Bank
• Purvanchal Bank
• Rajasthan Marudhara Gramin Bank
• Telangana Gramin Bank
• Chhattisgarh Rajya Gramin Bank
• Saurashtra Gramin Bank
• Andhra Pradesh Grameena Vikas Bank
• Uttarakhand Gramin Bank
• Meghalaya Rural Bank
• Mizoram Rural Bank
• Vananchal Gramin Bank
• Baroda Rajasthan Kshetriya Gramin Bank
• Dena Gujarat Gramin Bank
• Chaitanya Godavari Grameena Bank
• Baroda Uttar Pradesh Gramin Bank
• Baroda Gujarat Gramin Bank
• Dhanlaxmi Bank
• Punjab Gramin Bank

In which languages ​​is this service available?

As of now this service is available in the following languages.  Maybe more languages ​​will be added in the future.

• Hindi
• Tamil
• Telugu
• Malayalam
• Kannada
• Gujarati
• Marathi
• Bengali
• Punjabi
• Assamese
• Oriya
• English
• Urdu

How to use *99# service

First of all, we have to open the dialer of our mobile. After that we have to dial *99#.

As soon as we dial *99#, after that a list will be shown in front of us. Options like Send Money, Request Money, Check Balance, My Profile, Pending Transactions, Transactions, UPI PIN will appear in that list.

Before all these options, we will see the number, use the numbers to select the option. Every option that we will see in this menu is assigned to a number which appears ahead of that option.

Looking at the number of those options, we have to press it and process our request till the end.

Whenever we use this service, we have to take special care that whatever request we have to give in it, we have to give it within a regular time.  If we do not take any action after a long time after the menu is opened, then this process will be canceled.  That is why we have to pay special attention to the time.