1. India IMPS Payments User Guide
  2. IMPS Inbound Payments
  3. IMPS Inbound Payments Processing
  4. Inbound IMPS Payment Processing
  5. Customer and Account Status Check

Customer and Account Status Check

System checks customer and Credit account are valid i.e. open and authorized. If 'Invalid' it is moved to Process Exception queue.

Beneficiary Account Currency: Validation is available to check only INR accounts are allowed for incoming credits.

System validates if the derived beneficiary account type as explained in the previous step 2.3, is allowed for the Inbound Payment and Network Code as maintained in Account Type Restrictions screen (PJDACSTR) for inbound payments.

If the account type is not allowed for the network, system displays 'This Account Type is not allowed for IMPS transfer'. Transaction gets rejected with appropriate response code.

If the validation is successful, it moves to the next step.

After the above step, If the beneficiary account type is found to be '40' i.e. NRE account type, then system applies Non NRE to NRE payments Check validation as below:
Debtor Account Type Beneficiary Account Type Result
<>40* '40' Transaction rejected (Response Code 'M4')
Equal to '40' Equal to '40','10', '11'* Transaction Processed (Response Code '00')
Equal to '10', '11'* Equal to '10', '11'*’ Transaction Processed (Response Code '00')

Note:

‘*’ - As per the allowed account types maintained for Inbound Payment and Network Code in PJDACSTR.

Parent topic: Inbound IMPS Payment Processing