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Oxigen e-Paisa

What is IMPS ?


Immediate Payment Service (IMPS) is an interbank electronic instant mobile money transfer service through mobile phones. IMPS helps you access your Bank Account and transfer funds instantly. The beneficiary account is credited immediately when a Fund Transfer request is made through your Mobile phone / Internet Banking. This service is available 24x7, throughout the year including Sundays and any bank holiday.

You will need a 7 digit MMID* (Mobile Money Identifier) number to transfer funds via IMPS.

For more details, we request you to refer to the below link.

Do I get intimation when the amount is credited into the beneficiary's account?


Yes, you will get an alert over SMS once amount is credited to beneficiary's account

What are the NEFT Transaction timings? Excluding all public / bank holidays

Transaction TimingsNEFT
Monday to Friday8:00 AM to 6:30 PM
Saturdays8:00 AM to 12:30 PM


(However, please note that this service will be used for banks which are not yet available under IMPS platform or in case IMPS transaction fails. In order to ensure that you do not miss the last NEFT batch, you must complete your transaction at the Oxigen e-Paisa agent not later than 30 minutes before the closure of NEFT timings NEFT timings (as above)).

How much money can I transfer in one time for Oxigen e-Paisa?

Limit of Fund Transfer per transactionRs. 5000
Limit of Fund Transfer per monthRs. 25000*
Minimum Transaction AmountRs. 100

What details do I need to provide while calling customer care for query regarding a particular transaction?


You need to provide the transaction ID for the specific transaction.

What are the charges for Money Transfer in Oxigen e-Paisa?


Following are the charges for money transfer:

Sr. NoTransaction TypeFee
1Upto Rs 667Rs. 10
2Rs. 668 to Rs. 50001.50% of transaction amount
3Rs. 5000.01 to Rs. 10000 **Rs. 100
4Rs. 10000.01 to Rs. 15000**Rs.150
5Rs. 15000.01 to Rs. 20000 **Rs.200
6Rs. 20000.01 to Rs. 25000 **Rs.250
7Profile creation FeeFree
**Applicable for fund transfer to same beneficiary account by same remitter during a calendar day.

How do I get a refund of the remitted money in case the amount is not credited to the account as per details given by me for Oxigen e-Paisa?


For this you need to follow steps mentioned:

  • You will get as SMS intimation for a failed transaction with the transaction number.
  • Please visit any authorised Oxigen e-Paisa agent at his outlet and provide your mobile number
  • The Oxigen e-Paisa agent would check the status of the transaction and inform you about the failed transaction along with reason for failure.
  • You can either re-initiate the transaction (in cases where failure is due the technical reason like the internet connection was not working etc.) or ask for a refund of the amount in cash.
  • Based on your reply, the Oxigen e-Paisa agent would either initiate the request for refund of transaction amount or re-initiate the original transaction.
  • For completion of either of the two you would then receive an OTC on your registered mobile number.
  • Provide this OTC to Oxigen e-Paisa agent, he would enter the same in the system to process your request and return you cash amount equivalent to the failed transaction value or complete the request for transfer of funds

How is the fund transferred through this service?


Fund transfer is initiated by the Oxigen e-Paisa agent, after which the system would first check if the bank of beneficiary accepts the transfer via IMPS. If yes, then the transfer is made via IMPS and customer would get an instant confirmation of the transaction on SMS and if not, then the request would be placed via NEFT and the customer would get the confirmation on SMS depending on the NEFT cycle.

How many times can an OTC be used?


OTC generated for a particular transaction can be used only once successfully and is valid for 30 minutes . However, only three attempts with same OTC are allowed after which the OTC will expire and the transaction would be deemed unsuccessful. Thereafter request the agent to generate a new OTC.

Can I view details of past transactions for Oxigen e-Paisa?


Yes. You may visit any Oxigen e-Paisa outlet and provide your mobile number to the Oxigen e-Paisa agent. He will help you to get details of your last four transactions.

In how much time will the beneficiary get the money?


If the transfer is made via IMPS then funds are transferred instantly. If the transfer is made via NEFT then a minimum of 2-3 hours, subject to NEFT time-lines.

Do I need to pay while registering with the service?


Yes, Rs. 10 (inclusive of taxes) is one time enrollment or registration fee /charge. This fee is subject to change.

How many times can a new OTC be requested for a particular transaction in a day?


A new OTC can be requested only 3 times for a particular transaction ID in a day.

What is Oxigen e-Paisa


Oxigen e-Paisa is a money transfer service presented by Oxigen India Pvt. Ltd., with ICICI Bank Ltd as the Principal Bank. With this facility any customer with an active mobile connection can send/ transfer money to any bank account (in India) by visiting the authorised Oxigen e-Paisa agent. This money is transferred through electronic fund transfer options such as NEFT/ IMPS etc.

Who is eligible to register for this service?


Any Indian resident who is 18 years and above can register for this service.

Do I get any alert when money is transferred?


Yes, you will get an alert over SMS on your mobile phone with details of the fund transfer.

I wish to transfer my mobile number from prepaid to postpaid, will the Oxigen e-Paisa account get transferred as well?


As long as you use the same number, you need not register again. In case you change to a new mobile number you will be registered as a new payee in the system.

Do I need to register the beneficiary for using this service in Oxigen e-Paisa?


Yes the beneficiary needs to be registered by the sender with authorised Oxigen e-Paisa agent - during first transaction. Share the details (such as name, bank account number, IFSC code) of the beneficiary with the agent. Registration will not be required next transaction onwards to send money to the same beneficiary.

How do I pay the above charges for Oxigen e-Paisa?


You need to pay the fee for your transaction (in cash) to the authorised Oxigen e-Paisa agent over and above the amount to be transferred to the beneficiary.

Where will I get details of various fees and charges in case of any changes for Oxigen e-Paisa?


You will get the details of exact fee, payable for the first time registration as well as transaction fee from the authorised Oxigen e-Paisa outlet. These details are also available at http://www.myoxigen.com and www.icicibank.com. You can also call Customer Care at 0124-6773300 between 8 A.M. and 11 P.M any day except for national holidays which are:

  • Republic Day - 26 Jan
  • Independence Day - 15 Aug
  • Gandhi Jayanti - 2 Oct

How many beneficiaries can I add in an account for Oxigen e-Paisa?


At a given point of time only 1 beneficiary can be added, with an option of changing 3 beneficiaries in a month and 10 beneficiaries in a year.

How do I delete a beneficiary from my profile for Oxigen e-Paisa?


Please visit any authorised Oxigen e-Paisa outlet and share your registered mobile number. Oxigen e-Paisa agent will help you to do the needful. You will only need to provide the One Time Code (OTC) with the agent, which will be sent on your mobile once the request is registered by him.

Do I need to produce any ID proof to send money for Oxigen e-Paisa?


No ID or address proof is required. Although you need to provide your basic details to the agent at Oxigen e-Paisa outlet, like full name, complete address and your active mobile number, in order to register your name one time, as a sender. It is a one-time registration.

How does Oxigen e-Paisa service work?


You can use it in simple steps:

Step-1 : Register & Activate: Walk into the nearest authorised Oxigen e-Paisa outlet and ask the agent that you wish to enroll for Oxigen e-Paisa service. Complete the Enrollment process by providing your full name, complete address, your active mobile number etc

Step-2 : Add beneficiary: After enrollment, you need to provide details of the beneficiary bank account like beneficiary name, beneficiary's correct account number, beneficiary bank IFSC code/ location of the beneficiary bank etc. You will get a One Time Code (OTC), on your registered mobile as a text message, which you need to share with the Oxigen e-Paisa agent so that the required beneficiary can be added.

Step-3 : Deposit Cash: Hand over the cash to the Oxigen e-Paisa agent for transfer of the same to the required beneficiary's bank account. The Oxigen e-Paisa agent would initiate the money transfer transaction, based on which you would receive another One Time Code (OTC) which needs to be shared with the Oxigen e-Paisa agent. The Oxigen Outlet retailer would enter the same in the system to complete the transaction. You would then receive a text message on your registered mobile number with the transaction ID, amount transferred etc.

How do I find the Oxigen e-Paisa outlet of this service?


You can search for nearest Oxigen e-Paisa outlet by visiting http://www.myoxigen.com or you can call Customer Care at 0124-6773300 and Oxigen e-Paisa executives would help you find nearest Oxigen e-Paisa outlet.