September 25, 2017

How to check bank balance without internet in phone?

How to check bank balance without internet? There are two ways. One is using Missed Call facility and another is dialing *99# from your phone. I already shared the Missed Call Facility in my earlier post. In this post let me explain about the *99# facility.

As I referred above, I already wrote a post about Missed Call facility feature of check bank balance without internet. Refer the same “How to check Bank Balance freely using missed call banking facility?“.

In this post, I will discuss regarding the *99# facility to check bank balance without internet.

Before jumping into using this facility first let us understand the basics about this facility. *99# is a USSD based mobile banking service from NPCI that brings together Customers, Banks and telecom companies. Using *99# service, a customer can access financial services by dialing *99# from his/her mobile redialing with the bank. The service works across all GSM service providers and handsets.

Features of *99# service

# Works without Internet – Uses voice connectivity.

# You can access through a common code *99# across all telecom service providers.

# No additional charges while roaming for using the service.

# Works across all GSM service providers and mobile handsets.

# Round the clock availability to customers (including holidays).

# No need to install any application on mobile handset to use the service.

# Available in 12 languages.

Services available under *99#

1) Non-Financial Services-

  • Balance Enquiry
  • Mini Statement
  • Generate OTP which can be used for different transactions as a second factor of authentication.
  • Generate or change MPIN or Mobile PIN is like a password and used for authenticating financial transactions.
  • Know your MMID (MMID is a 7 digit code issued by the bank to their customers for availing IMPS. MMID is issued to only to those customers whose preferred mobile number is registered with the bank. Different MMID’s can be linked to same Mobile Number (Please contact your bank for the issuance of MMID).

2) Financial Services-

  • Send Money Using MMID – User can transfer fund using MMID and Mobile number of the Beneficiary.
  • Send Money Using IFSC – User can transfer fund using IFS Code and Account number of the Beneficiary.
  • Send Money Using Aadhaar – User can transfer fund using Aadhaar number linked to the account of the Beneficiary.

3) Value Added Services-

QSAM (Query Service on Aadhaar Mapper) or *99*99#. Read more about this “How to check if Aadhaar is linked to bank accounts or not?“.

How to check bank balance without internet?

Steps to check bank balance without internet are as below.

check bank balance without internet

# Dial *99# from your Mobile handset.

# Welcome screen will appear asking you to enter your bank’s 3 letters short name or first 4 letters of IFSC.

# After entering valid IFS Code or short name, the menu will appear with different options of available services enabled for your bank.

# Enter 1 for Balance Enquiry and submit.

# A confirmation screen will appear displaying the available balance.

How to generate bank mini statement without internet?

You can refer the same above image to generate the bank mini statement. The steps are as below.

# Dial *99# from your Mobile handset.

# Welcome screen will appear asking you to enter your bank’s 3 letters short name or first 4 letters of IFSC.

# After entering valid IFS Code or short name, the menu will appear with different options of available services enabled for your bank.

# Enter 2 for Mini Statement and submit.

# A confirmation screen will appear showing the mini-statement.

Same way you can use other facilities of non-financing services from the menu.

How to transfer fund without internet?

You can transfer the fund without internet in three ways and I will explain all process below.

1) Using MMID

The steps are as below.

# Dial *99# from your Mobile handset.

# Welcome screen will appear asking you to enter your bank’s 3 letters short name or first 4 letters of IFSC.

# After entering valid IFS Code or short name, the menu will appear with different options of available services enabled for your bank.

# Enter 3 for Fund Transfer using MMID and Mobile Number and submit.

# Subsequent screen to enter the Beneficiary Mobile number, MMID, Amount, and Remarks (Optional) will appear.

# Enter MPIN and last 4 digits of the account number (Optional).

# A confirmation screen will appear showing success response.

2) Send money using IFSC Code-

You can transfer the fund using IFSC code and bank account of the beneficiary.

# Dial *99# from your Mobile handset.

# Welcome screen will appear asking you to enter your bank’s 3 letters short name or first 4 letters of IFSC.

# After entering valid IFS code or short name, the menu will appear with different options of available services enabled for your bank.

# Enter 4 for Fund Transfer using Account Number and IFSC and submit.

# Subsequent screen to enter Beneficiary Account Number, IFS Code, Amount and Remarks (Optional) will appear.

# Enter MPIN and last 4 digits of account number (Optional).

# A confirmation screen will appear showing success response.

3) Send money using Aadhaar number

You can transfer the fund using Aadhaar number linked to bank accounts of the beneficiary.

# Dial *99# from your Mobile handset.

# NUUP welcome screen will appear asking you to enter your bank’s 3 letters short name or first 4 letters of IFSC.

# After entering valid IFS Code or short name, NUUP menu will appear with different options of available services enabled for your bank.

# Enter 5 for Fund Transfer using beneficiary Aadhaar number.

# Subsequent screen to enter Beneficiary Aadhaar Number will appear.

# Enter MPIN and last 4 digits of account number (Optional).

# A confirmation screen will appear showing success response.

Telecom service providers who support *99# service

  • BSNL
  • Airtel
  • Vodafone
  • Idea
  • MTNL
  • Aircel
  • Tata
  • Reliance
  • Uninor
  • Videocon
  • Quadrant

Languages supported by *99# service

  1. English -*99#
  2. Hindi-*99#22#
  3. Marathi-*99#28#
  4. Gujarati-*99#27#
  5. Tamil-*99#23#
  6. Kannada-*99#26#
  7. Telugu-*99#24#
  8. Punjabi-*99#30#
  9. Bengali-*99#29#
  10. Malayalam-*99#25#
  11. Assamese-*99#31#
  12. Oriya-*99#32#

Banks that support *99# service with Bank Codes and IFSC Code

Download the complete banks list (with shortcode and IFSC code) which support *99# serviceBanks IFSC code and Short name

Banks IFSC code and Short name

Few tips while using *99# service

1) You have to register yourself with your respective bank for availing mobile banking service.

2) Keep information like Mobile number, MMID, IFS Code, Account number, Aadhaar number of the beneficiary and MPIN handy before initiating the transaction.

3) Before initiating any transaction, please make sure that the mobile phone is in network area/range.

This is how you can check bank balance without internet. If you still have questions, then either you can comment here or refer the process flow.

11 Comments

  1. Hi Basu Sir,
    Happy Vijaya Dashami to You and Your family and all the Basunivesh.com staff. Sir, You had promised an article on Bank Mediclaims ( group Mediclaims). Requesting you to write an article on that

    regards
    RAJESH PAI B

    Reply
    • Rajesh-Thanks for your wishes and wishing you the same to you and your family. You are one of the dedicated followers of my blog and your each word meant a lot to me. Actually, I messed up with some other work. Surely will write it down on high priority.

      Reply
  2. Wow! I did not know this.
    I found many equally important tricks/ tools listed, but unexplored.
    I am sure I will visit this site often to explore and learn.
    Thank you,
    Anand

    Reply
  3. While this seems fine for those having feature phones, i would not recommend it for those who can download and install their Bank’s App, which works more seamlessly. Having been using my Banks’ Apps for years now, I tried this out of curiousity and due to frequent disconnection of network (though I am in a metro !!), I was charged Rs. 0.50 4 times for simply checking my Account Balance by Airtel. Hence, I feel I am better off using my Bank’s App, which works fine over 3G/4G network, than this MMID based feature.
    Wonder how Govt expects “poor” people with feature phone to use this, when the Telecom Service Providers merrily charge for each ‘drop’ in connectiviy, which could be worse in rural areas.

    Reply
    • Ramesh-I understand your frustration. But sometimes it is handy when you don’t have internet access.

      Reply
  4. Hi Sir

    50 paise was charged in my Airtel Postpaid for using this service:(

    Thought it free.

    Reply
    • Nagendra-I never said it is free but depends on your telecom service provider. But it will be handy when you are unable to access the internet.

      Reply
  5. Gr8 information. Thanks for this…

    Reply
  6. This is very Important Information. Most of the time we are stuck thinking that without internet we would not be able to access our bank balance. I have known some people sending petty amount via IMPS to know their account balance sounds crazy. But the above given way is good. Next time I shall use the above method hope it works with my Bank

    Reply

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