Let’s admit it — checking your bank balance is like checking your exam result. You want to look, but you’re afraid of what you’ll see. 😅
But don’t worry! Today, checking your account balance is easier than ever — and you don’t need to visit the bank or even have internet in some cases!

In this complete guide, we’ll cover all the methods to check your bank account balance using:
- ✅ Missed call numbers
- ✅ SMS banking
- ✅ UPI apps like GPay & PhonePe
- ✅ ATM
- ✅ Net banking
- ✅ USSD codes (for non-internet users)
- ✅ Bank Passbook
Why Checking Your Balance Matters
Before we dive into the how, let’s talk about the why:
✅ Avoid overdraft fees (no more embarrassing “card declined” moments).
✅ Track spending (because ₹500 does disappear magically).
✅ Detect fraud early (if your money’s moving without you, that’s a red flag!).
Now, let’s explore the 7 best ways to check bank account balance—from high-tech to no-tech methods
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1. Account Bank Balance Check by Missed Call 📞 (Fast & Free)
This is the easiest and most popular method to check your bank balance. Every major Indian bank offers a toll-free missed call number. Just give it a ring from your registered mobile number, and you’ll get your balance via SMS.
🧠 Pro Tip: Save your bank’s missed call number as a contact like “💰 Account Balance Check – HDFC”.
Here’s a full table of all Indian banks with their missed call balance enquiry numbers:
Table of Contents
All Bank Account Balance Check Numbers (2025)
SR. No. | BANK NAME | MISSED CALL NUMBER |
1 | Allahabad Bank | 09224150150 |
2 | Andhra Bank | 09223011300 |
3 | Axis Bank | 18004195959 |
4 | Bandhan Bank | 18002588181 |
5 | Bank Of Baroda | 09223011311 |
6 | Bank Of India | 09015135135 |
7 | Bank of Maharashtra | 18002334526 |
8 | Bharatiya Mahila Bank | 09212438888 |
9 | Canara Bank | 09015483483 |
10 | Catholic Syrian Bank | 09895923000 |
11 | Central Bank Of India | 09222250000 |
12 | Citibank | 09880752484 |
13 | City Union Bank | 9278177444 |
14 | Corporation Bank | 09268892688 |
15 | DCB Bank | 07506660011 |
16 | Dena Bank | 09289356677 |
17 | Deutsche Bank | 18602666601 |
18 | Dhanlaxmi Bank | 08067747700 |
19 | Federal Bank | 08431900900 |
20 | HDFC Bank | 18002703333 |
21 | ICICI Bank | 02230256767 |
22 | IDBI Bank | 18008431122 |
23 | IDFC First Bank | 9555555555 |
24 | Indian Bank | 09289592895 |
25 | Indian Overseas Bank | 04442220004 |
26 | IndusInd Bank | 18002741000 |
27 | Karnataka Bank | 18004251445 |
28 | Karur Vysya Bank | 09266292666 |
29 | Kerala Gramin Bank | 9015800400 |
30 | Kotak Mahindra Bank | 18002740110 |
31 | Nainital Bank | 18001804031 |
32 | Punjab National Bank | 18001802222 |
33 | Punjab Sind Bank | 1800221908 |
34 | RBL Bank | 18004190610 |
35 | Saraswat Bank | 09223040000 |
36 | South Indian Bank | 09223008488 |
37 | State Bank Of India | 09223766666 |
38 | Syndicate Bank | 09664552255 |
39 | Tamilnad Mercantile Bank Limited | 09211937373 |
40 | UCO Bank | 09278792787 |
41 | Union Bank Of India | 09223008586 |
42 | United Bank Of India | 18001802223 |
43 | Vijaya Bank | 18002665555 |
44 | Yes Bank | 09223920000 |
📌 Best for: Quick checks | ❌ Worst for: Non-registered numbers
2. Check Bank Balance by SMS (Simple & Effective)
If you don’t like calling (or can’t tolerate hearing “All our agents are currently busy…”), try the SMS method. Almost every bank lets you send an SMS from your registered mobile number to check your balance.
📩 Example:
- SBI – SMS
BAL
to9223766666
- BOB – SMS
BAL <Last 4 digits>
to8422009988
✅ Best for: Feature phones | ❌ Worst for: Those who hate typing
3. Account Balance Check via Net Banking
Old but gold, net banking is still one of the most complete ways to manage your account.
Steps:
- Go to your bank’s official net banking site
- Log in with User ID and Password
- Go to “Account Summary” to view your account balance
👉 Works well if you also want to download a mini statement or do some transactions online.
4. Check Balance via UPI Apps (Google Pay, PhonePe, etc.)
This method is Gen Z approved. 😎
Almost all UPI apps allow balance check. You just need to have your bank account linked.
Steps for Google Pay / PhonePe / Paytm:
- Open the app
- Go to Bank Account
- Tap on Check Balance
- Enter UPI PIN — and done!
5. Use ATM to Check Bank Balance (Old But Gold)
If you’re near an ATM, you can still check your balance in under 60 seconds.
How:
- Insert your ATM card
- Choose Balance Enquiry
- Enter PIN, and your balance shows on screen
Simple, secure, and still works for all.
Best for: Cash withdrawals + balance check combo | ❌ Worst for: People who avoid ATM fees
6. Check Balance Without Internet (USSD Code Method)
Using a feature phone or facing poor network? Try USSD codes!
Just Dial:
*99# and follow on-screen menu
This method works even without mobile data or Wi-Fi.
7. Passbook Update (For Traditionalists)
How to Check Balance Without Phone/Internet
- Visit your bank branch.
- Request a passbook update.
- Get a physical record of all transactions.
📌 Best for: Older generations | ❌ Worst for: Anyone in a hurry
Final Words
You no longer need to stand in queues or call your bank’s customer care and wait forever. With so many easy methods to check your bank balance, you can always stay informed — and avoid those “insufficient balance” surprises. 😅
Try them out and tell us in the comments: Which method do YOU use the most?
🤔 FAQ – People Also Ask
Q. What is the missed call number for SBI balance check?
📞 9223766666
Q: How can I check my bank balance without internet?
✅ Best methods:
- Missed call banking (Call your bank’s number & hang up)
- SMS banking (Text “BAL” to your bank’s shortcode)
- ATM balance enquiry (Use your debit card)
Q3: Can I check my balance via WhatsApp?
🤖 Yes! Some banks like SBI, HDFC, and ICICI offer WhatsApp banking:
- For Example Send “Hi” to the SBI bank WhatsApp number
- Follow prompts to check balance
Q4: Why is my account balance not updating?
🔍 Common reasons:
- Pending transactions (wait 24-48 hrs)
- Bank server issues (try again later)
- Technical glitch (contact customer care)
Q5: How to check balance if I lost my phone?
📞 Alternate methods:
- ATM (Use debit card)
- Internet banking (From another device)
- Branch visit (Carry ID proof)
Q. How to check account balance using Aadhaar?
You can use Aadhaar-enabled Payment Systems (AePS) at micro-ATMs or local CSPs.