Check Bank Balance


Managing your finances effectively begins with staying updated on your bank balance. Whether you are planning your expenses, monitoring them, or simply ensuring account security, knowing your bank balance is the most crucial and simplest method everyone adopts.

Unlike in the past, we have many options and methods to check bank balances instantly with the evolution of digital banking.

Read on to explore the easiest, most secure options to stay on top of your finances, anytime and anywhere.


Currently, we have many methods for checking bank balances, including online banking, ATMs, Missed Call, SMS enquiries, UPI, etc., that provide results instantly. This makes checking bank balances easier than ever.

Ways to Check Your Account Balance

Keeping track of your account balance is easier than ever, thanks to the vast number of options available. Whether you prefer traditional methods or modern digital solutions, there are options suited to your convenience.

Below is a list of possible options, which ensure a hassle-free experience for you as a user.

  • Net Banking
  • Mobile Banking
  • Missed Call
  • SMS
  • UPI Apps
  • ATM
  • Account Balance Alerts

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Internet Banking to Check Bank Balance

The best and most secure method to check your bank balance online is to visit the bank’s official website.

Following are the steps to do so:

  1. Log in to your bank’s portal.
  2. Navigate to the accounts or account summary section.
  3. Choose to view your account balance.

Alternatively, you can check your bank balance through the Public Finance Management System (PFMS) by the Ministry of Finance.

  1. Open the website (https://pfms.nic.in).
  2. Find the balance check section (Know your payments).
  3. Enter bank account details and submit information.
  4. Re-enter the details if prompted and fill out the captcha verification.
  5. View your balance and transactions.

Check Bank Balance Using Mobile Banking Apps

Every bank has a mobile banking application, which functions as a comprehensive tool with a smoother experience.

Below are the steps to check your bank balance:

  1. Download the app.
  2. Log in using your MPin/register and create an MPin.
  3. Navigate to the accounts section and find the desired account.
  4. Click account details.
  5. Click check balance.

The mobile app lets you view, manage, transfer, and even open new accounts.

Check Bank Balance Using UPI Apps

Apart from the already established UPI applications like Google Pay, Paytm, or PhonePe, many popular platforms have introduced UPI services such as Amazon Pay.

Following are the steps to check your bank balance online via UPI:

  1. Download and install the UPI application.
  2. Open the application.
  3. Look for the option to link your bank account if not prompted automatically.
  4. Register the number linked to your bank account.
  5. Select the banks for which you wish to activate UPI.
  6. Verify mobile number.
  7. Create a UPI ID and UPI password.
  8. Submit and ensure your UPI has been activated.
  9. After activation, find the option to check the balance from the home page.
  10. After entering your UPI password, you can view your account balance.

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Bank Balance Check via ATM

Checking your balance via ATM is simple, following the instructions below:

  1. Visit an ATM.
  2. Insert your debit/credit card.
  3. Enter your PIN.
  4. Select Language.
  5. Choose the ‘check balance’ option.
  6. Choose an account type.
  7. View your balance.
  8. Take your card and receipt.

Balance enquiries can be made from any ATM without charges. However, withdrawal might cost additional charges.

Check Bank Balance by SMS Banking

Below is a generic guide to use SMS banking:

  1. Register for SMS banking.
  2. Compose an SMS with the respective keyword for the bank.
  3. Send the SMS to the bank’s designated number.
  4. Receive the SMS with your balance.

Missed Call Balance Check

This is one of the easiest ways to check your bank balance. Follow the steps below to find out the best way to check your balance:

  1. Find your bank’s missed call balance check number.
  2. Dial the number from the registered mobile number.
  3. The call will be disconnected automatically.
  4. Your balance will be displayed.

Set Banking Alerts to Check Bank Balance

You can enable alert notifications via the website or bank so that the bank will alert you to every transaction, including the available balance.

Below are the generic steps:

  1. Log in to the bank’s website/internet banking portal.
  2. Check for an option called ‘Alerts and notifications’.
  3. Select the type of alert (low balance alert, balance thresholds, etc.).
  4. Set your preferences for the alert, such as:
    • The balance threshold amount.
    • Frequency of alerts (daily, weekly, monthly).
    • Preferred delivery method (SMS, email, or push notifications).
  5. Confirm contact details.
  6. Activate the alert by saving changes.

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Benefits of Checking Account Balance on Mobile

The option to check balances on mobile devices has made the process a lot easier. Below are the top benefits:

  1. Convenience: The user can access their bank balance at any time and anywhere.
  2. Real-time update: The user can have instant balance updates and keep posted on the account status.
  3. Ease of use: Unlike visiting an ATM or a branch, one can get easy access to their balance with simple steps using a mobile.
  4. 24/7 Availability: Mobile banking services are available round the clock, making it most favourable for a typical user.
  5. Multiple account management: The user can easily access, manage, and even transfer money between each account from the same device.

Here is a detailed, comprehensive list for checking the balance for all banks:

SBI Balance Check Number

The SBI’s balance check feature has made a significant impact on the ease of usage. SBI has introduced various features such as:

Ways to Check Balance Details
SBI Toll Free Missed Call Number Dial 1800 425 3800 / 9223766666
SMS Send BAL to 9223766666 from your registered mobile number.
ATM Insert your SBI debit card, enter your PIN, and select the "Balance Enquiry" option.
Net Banking Log in to the SBI Internet banking portal, navigate to the "Account Summary" section, and view your balance.
Passbook Visit your nearest SBI branch with your passbook to get the updated balance.

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Bank of Baroda Balance Check Number

The Bank of Baroda’s balance check feature include various methods such as

Ways to Check Balance Details
Toll-free Number For Missed Calls Dial 8468001111 from your registered mobile number to receive your account balance via SMS.
SMS Send BAL <space> Last 4 digits of the Account Number to 8468001122
ATM Insert your Bank of Baroda debit card, enter your PIN, and select "Balance Enquiry."
Net Banking Log in to the Bank of Baroda internet banking portal to view your account balance.
Passbook Update your passbook at the nearest branch to check your balance.

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Punjab National Bank Balance Check Number

The Punjab National Bank’s balance check feature includes various methods such as:

Ways to Check Balance Details
Toll-free Number For Missed Calls Dial 1800 180 2223 or 0120-2303090 to get your balance via SMS.
SMS Send BAL <space> 16-digit Account Number to 5607040.
ATM Insert your PNB debit card, enter your PIN, and select "Balance Enquiry."
Net Banking Log in to PNB Internet banking to view your account balance.
Passbook Update your passbook at the nearest branch to check your balance.

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Indian Bank Balance Check

The Indian Bank’s balance check feature includes various methods such as:

Ways to Check Balance Details
Toll-free Number For Missed Calls Dial 9289592895 from your registered mobile number to get your balance via SMS.
SMS Send BALAVL <space> Account Number to 9444394443.
ATM Use any ATM to check your balance by selecting "Balance Enquiry."
Net Banking Access the Indian Bank net banking portal to view your balance.
Passbook Update your passbook at a branch to see your balance.

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Canara Bank Balance Check

The Canara Bank’s balance check feature includes various methods such as:

Ways to Check Balance Details
Toll-free Number For Missed Calls Dial 9015483483 or 09015483483 from your registered mobile to receive a balance SMS.
SMS Send CANBAL <space> User ID to 5607060
ATM Insert your Canara Bank card, enter your PIN, and select "Balance Enquiry."
Net Banking Log in to the Canara Bank net banking portal to check your balance.
Passbook Update your passbook at the nearest Canara bank branch for balance details.

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BOI Balance Check

The BOI balance check feature includes various methods such as:

Ways to Check Balance Details
Toll-free Number For Missed Calls Dial 9015135135 or 9266135135 to get your account balance via SMS.
SMS Send BAL <space> Account Number to 09266135135.
ATM Use your BOI card at any ATM to check your balance at the check balance option.
Net Banking Access BOI net banking to view your balance online.
Passbook Update your passbook at a BOI branch for balance updates.

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HDFC Bank Balance Check

The HDFC Bank’s balance check feature includes various methods such as:

Ways to Check Balance Details
Toll-free Number For Missed Calls Dial 1800 270 3333 from your registered number to get your balance via SMS.
SMS Send BAL to 5676712 from your registered mobile number.
ATM Insert your HDFC card and select "Balance Enquiry" to view your balance.
Net Banking Log in to HDFC net banking for balance details.
Passbook Update your passbook at an HDFC branch for recent balance details.

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Axis Bank Balance Check

The Axis Bank’s balance check feature includes various methods such as:

Ways to Check Balance Details
Toll-free Number For Missed Calls Dial 1800 419 5959 from your registered mobile to receive balance details via SMS.
SMS Send BAL to 56161600 from your registered mobile number.
ATM Insert your Axis debit card, enter your PIN, and select the "Balance Enquiry" option.
Net Banking Log in to Axis Bank net banking to access balance details.
Passbook Visit an Axis Bank branch to update your passbook and check your balance.

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Balance Check For India Post Payments Bank

The IPPB’s balance check feature includes various methods such as:

Ways to Check Balance Details
Toll-free Number For Missed Calls Dial 8424054994 for balance details via SMS from your registered number.
SMS Send BAL <space> Account Number to 7738062873
ATM Use the IPPB debit card at any ATM for a balance enquiry by tapping the balance check option.
Net Banking Access the IPPB Internet banking portal to view your balance.
Passbook Visit the nearest branch to update your passbook and check your balance.

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Balance Check For Bank of Maharashtra

The Bank of Maharashtra’s balance check feature includes various methods such as:

Ways to Check Balance Details
Toll-free Number Dial 1800 233 4526 from your registered mobile number to get your balance via SMS.
SMS Send BALAVL Account Number to 9223181818.
ATM Use a Bank of Maharashtra ATM and select "Balance Enquiry" for your balance.
Net Banking On the bank’s official website, look for the option to check the account balance.
Passbook You can take your passport to the nearest branch to update your account balance.

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Balance Check For Indian Overseas Bank

The Indian Overseas Bank’s balance check feature includes various methods such as:

Ways to Check Balance Details
Toll-free Number Dial 044-42220004 from your registered mobile number to get your balance via SMS.
SMS Send BAL Last 4 digits of the Account Number to 8424022122.
ATM Insert your IOB debit card, enter your PIN, and select "Balance Enquiry."
Net Banking Log in to the IOB internet banking portal to check your balance online.
Passbook Visit the nearest branch to update your passbook and view your balance.

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Balance Check For Union Bank of India

The Union Bank of India’s balance check feature includes various methods such as:

Ways to Check Balance Details
Toll-free Number Dial 09223008486 to receive your account balance via SMS.
SMS Send BAL Last 4 digits of Account Number to 09223008486.
ATM Insert your Union Bank debit card and select "Balance Enquiry" to view your balance.
Net Banking Access the Union Bank internet banking portal for balance details.
Passbook Update your passbook at the branch to see the current balance.

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Central Bank of India Balance Check

The Central Bank of India’s balance check feature includes various methods such as:

Ways to Check Balance Details
Toll-free Number Dial 95552 44442 from your registered mobile number to receive balance information.
SMS Send BALAVL Account Number to 99675 33228.
ATM Use your CBI debit card at any ATM and select "Balance Enquiry."
Net Banking Log in to CBI net banking and select account balance online.
Passbook Update your passbook at a Central Bank branch for balance details.

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Allahabad Bank Balance Check

methods used for Indian Bank.

Ways to Check Balance Details
Toll-free Number Dial 9289592895 to receive balance details via SMS.
SMS Send BALAVL Account Number to 9444394443 for a balance inquiry via SMS.
ATM Use any ATM to check your balance by selecting "Balance Inquiry."
Net Banking Access the Indian Bank (merged) net banking portal to view your balance.
Passbook Update your passbook at a branch to see your balance.

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Federal Bank Balance Check

The Federal Bank of India’s balance check feature includes various methods such as:

Ways to Check Balance Details
Toll-free Number Dial 8431900900 from your registered mobile number to receive your balance via SMS.
SMS Send BAL Last 4 digits of the Account Number to 9895088888.
ATM Use your Federal Bank debit card at any ATM and select "Balance Enquiry."
Net Banking Log in to the Federal Bank internet banking portal for balance details.
Passbook Visit a Federal Bank branch to update your passbook for recent balance information.

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Note: The support lines above are based on the source information and are subject to change. Please visit the official website of the bank for updated information.
Make sure you make the call or SMS from the registered mobile number.

Common Methods for All Bank Balance Check

Apart from the above-mentioned methods, there are some other reliable ways to check your balance, offered by most banks.

USSD Banking Dial *99# for balance enquiries without the internet (Introduced by NPCI).
Email statements Sign up for e-statements via net banking to get monthly updates.
Chatbot service Use the bank’s chatbot for quick balance checks, available on the webpage.
Customer care service By contacting the official customer care service and verifying yourself through the “Interactive Voice Response,” you can get your account balance.

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Note: The support lines above are based on the source information and are subject to change. Please visit the official website of the bank for updated information.
Make sure you make the call or SMS from the registered mobile number.

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Frequently Asked Questions

You can use one of the many methods mentioned above, all of which are provided by the bank itself or by other trusted means like NPCI.

You can use the bank’s official app or NPCI-certified UPI apps such as Google Pay, PhonePe, or Paytm.

You can use various options like the missed call balance check method, USSD method, SMS alerts, etc., for the best convenience.

Yes. You can check your bank balance by sending a text message to the bank’s designated number.

You can navigate to the accounts section and check for your bank balance online in the respective mobile application of the bank.

In most methods, your registered mobile number is enough to check your balance. However, while using a banking application or other UPI apps, you would need your MPIN or UPI PIN to access your account balance.

Yes. You can use any ATM to check your balance, as long as you have your debit or credit card with you.

You can check your bank balance by contacting the official customer care service and following the Interactive Voice Response.

After opening the UPI application, you can view an option to check your bank balance. Clicking on the option and entering the UPI PIN will display your account balance. However, this process requires the Internet.

The easiest method would be the missed call service, as it requires minimum effort.

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