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Which of the following is not true about IMPS?

 
A bank should have an approval from RBI to be eligible to participate in IMPS.
A bank account is necessarily required to avail IMPS.
A smartphone is not necessarily required to avail IMPS.
More than one account can be linked to a single mobile number.
Banks can charge for IMPS as per their bank policy.

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Imps uese for send the money instantly so do charge according bank policy

IMPS expansion plz