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What if I lose my mobile phone / SIM card? Can anyone who comes into possession of the phone / SIM card send money using IMPS ifrom my account ?

The beneficiary details required to send money are mobile number and MMID. Before funds are credited into an account, the corresponding mobile number and MMID are verified. Only when both - the mobile number and the MMID - of the beneficiary match, funds are debited from your account and credited to the beneficiary. Else, the transaction fails and, no money get debited from your account.