How to Check Your Bank Account Balance - All Methods

How to Check Your Bank Account Balance?

You can check your bank account balance using any of the following methods:

• Missed call banking
• SMS banking
• Net banking
• Mobile banking apps
• UPI apps like Google Pay, PhonePe, Paytm, and BHIM
• ATM balance enquiry
• Passbook update
• WhatsApp banking
• Customer care (IVR)
• Bank branch visit

The fastest method is usually a missed call or UPI app, while ATM and passbook updates are useful when you need a printed record.

Check Bank Account Balance by Missed Call – All-Bank Number Table

Missed call banking is one of the easiest ways to check your account balance without internet. Simply call the designated number from your registered mobile number. The call disconnects automatically, and you receive your balance via SMS.

Bank	Missed Call Balance Number
State Bank of India (SBI)	09223766666
HDFC Bank	1800 270 3333
ICICI Bank	9594612612
Punjab National Bank (PNB)	1800 180 2223
Axis Bank	1800 419 5959
Bank of Baroda	8468001111
Canara Bank	09015483483
Union Bank of India	09223008586
Indian Bank	09289592895
Bank of India	09015135135
Central Bank of India	9555244442
UCO Bank	09278792787
Punjab & Sind Bank	7039035156
IDBI Bank	1800 843 1122
Yes Bank	09223920000

Note: Your mobile number must be registered with the bank to use missed call banking.

Check Account Balance by SMS – All-Bank Format Table

Many banks also allow customers to check their account balance by sending a predefined SMS from their registered mobile number.

Bank	SMS Format
SBI	Send BAL to 09223766666
HDFC Bank	SMS BAL to 5676712
ICICI Bank	SMS IBAL to 9215676766
Axis Bank	SMS BAL to 56161600
Bank of Baroda	SMS BAL to 8422009988
Canara Bank	SMS BAL to 56161600 (where available)
PNB	SMS balance enquiry through registered banking service

The exact SMS keyword and number may differ depending on the bank and your account type. Some banks may require SMS banking registration before the service can be used.

Check Bank Account Balance via Net Banking and Mobile Banking App

If you have internet access, net banking and mobile banking apps provide the most detailed account information.

Steps:

1. Log in to your bank’s net banking portal or mobile app.
2. Enter your credentials securely.
3. Go to Accounts or Savings Account.
4. View:

• Available balance
• Current balance
• Mini statement
• Recent transactions
• Fixed deposits (if any)

Most banking apps also let you download account statements and transaction history.

Check Balance Using UPI Apps (GPay, PhonePe, Paytm)

UPI apps make balance checking simple without visiting your bank.

Popular UPI apps include:

• Google Pay (GPay)
• PhonePe
• Paytm
• BHIM
• Amazon Pay

Steps:

1. Open your UPI app.
2. Select the linked bank account.
3. Tap Check Bank Balance.
4. Enter your UPI PIN.
5. Your account balance will be displayed instantly.

You can check balances only for accounts linked to your UPI ID.

Check Account Balance at an ATM or Passbook

ATMs continue to be a reliable option for balance enquiries.

Using an ATM

1. Insert your debit card.
2. Enter your ATM PIN.
3. Select Balance Enquiry.
4. Your balance appears on the screen or receipt.

Using a Passbook

Visit your bank branch and update your passbook using:

• Passbook printing kiosk (where available)
• Bank counter

A passbook provides a printed record of all recent transactions.

Check Balance via WhatsApp Banking

Many banks now offer WhatsApp banking for quick balance enquiries.

General process

1. Save your bank’s official WhatsApp number.
2. Send Hi.
3. Complete OTP verification if required.
4. Select Balance Enquiry.
5. Receive your available account balance instantly.

Banks offering WhatsApp banking include:

• SBI
• HDFC Bank
• ICICI Bank
• Axis Bank
• Bank of Baroda
• Punjab National Bank
• Canara Bank
• Union Bank of India

Always use only your bank’s official WhatsApp number.

Bank-Wise Balance Enquiry Numbers (SBI, HDFC, ICICI, PNB, Axis, BoB, Canara, Union & More)

Below are some of the most commonly used balance enquiry numbers.

Bank	Balance Enquiry Number
SBI	09223766666
HDFC Bank	1800 270 3333
ICICI Bank	9594612612
Axis Bank	1800 419 5959
Punjab National Bank	1800 180 2223
Bank of Baroda	8468001111
Canara Bank	09015483483
Union Bank of India	09223008586
Indian Bank	09289592895
Bank of India	09015135135
Central Bank of India	9555244442
UCO Bank	09278792787
IDBI Bank	1800 843 1122
Yes Bank	09223920000

Always ensure your registered mobile number is active to receive balance SMS alerts.

Balance Check for Jan Dhan / Zero-Balance Accounts

If you have a Pradhan Mantri Jan Dhan Yojana (PMJDY) account, you can check your balance using the same methods as regular savings accounts.

Available options include:

• Missed call banking
• SMS banking
• UPI apps (if linked)
• Mobile banking
• ATM
• Passbook
• Bank branch
• WhatsApp banking (if supported)

Even if your Jan Dhan account has a zero balance, balance enquiry services remain available as long as your account is active.

Why Balance Enquiry May Count Toward Your Free ATM Limit

Under the Reserve Bank of India (RBI) guidelines, banks offer a limited number of free ATM transactions each month. These transactions may include:

• Cash withdrawals
• Balance enquiries
• Mini statements
• PIN changes (at some ATMs)

After you exceed the free monthly transaction limit, your bank may charge a fee for additional ATM transactions, including balance enquiries.

To avoid unnecessary charges:

• Use missed call banking.
• Check your balance through your bank’s mobile app.
• Use UPI apps.
• Use WhatsApp banking where available.

These methods are generally free and do not count toward ATM transaction limits.