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.

# 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.