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How to check Bank Balance freely using missed call banking facility?

March 31, 2015by Basavaraj Tonagatti

We all know that currently checking your balance through ATM will have limited access. After few usages, Banks start to charge for such ATM usage. Internet banking is one more facility where you can easily check your balance. However, do you know how you can check bank account balance at free of a cost? This facility of banking is called “Missed Call Banking” or “Missed Call Balance Enquiry”.

Effective from 1st November 2014, savings account holders in metropolitan cities would be allowed only 5 ATM transactions and 3 for other banks ATM transactions. If you use more than this limit then banks charge you Rs.20 for each transaction. Cities considered for these charges are Mumbai, Delhi, Bengaluru, Chennai, Hyderabad and Kolkata. For the rest of locations, the free usage limit from other banks ATM remained as 5 only. However, account holders of small / no frills / Basic Savings Bank Deposit account are exempted from such charges. Therefore, they enjoy the limit of 5 free transactions from different bank ATM. Transaction meaning of this is, financial and non-financial. Meaning of Financial transactions is cash withdrawal or payment and meaning of non-financial transactions are checking account balance, change of ATM PIN, mini statement, etc.

Considering the above rules, you feel constrained for usage of ATM. Because even your balance inquiry from an ATM is considered as one more transaction. So the other options left for you is either use internet banking or using the recently launched missed call banking facility. However, internet banking again requires internet connection and activation of internet banking facility. Instead, it is easy to use missed call banking facility for such simple transaction of knowing your balance. Hence, I feel this facility most handy as it is very FREE.

Below are certain features of this facility.

  • This is a completely FREE service.
  • You must register your mobile number with your bank.
  • You receive the account balance and last 5 transactions of the account.
  • Once you dial to missed call banking number, then after 2-3 rings the call will get disconnected automatically.
  • Immediately customers will receive the account balance and along with that last 5 transaction details through SMS facility.
  • If your number not registered then you receive a message like “Your mobile number is not registered for this service”.
  • If your mobile number not registered then you must contact the bank for registering the number.
  • If the customer has a different nature of accounts like a savings account, current account, or overdraft account, then the default account will be selected in the following priority. 1) Savings Account (SB), 2) Current Account (CA), 3) Overdraft (OD), 4) Cash Credit (CC), 5) Other Accounts
  • If the customer has more than one account of a same nature like 2-3 savings account or 2-3 current accounts, then the default account will be the latest opened account.
  • You can change your default account at any time by contacting the bank.
  • The majority of above-said rules applies to all bank. However, you may find some change in procedure with few banks.

Below are the dialing numbers to utilize this Missed Call Banking Facility.

Missed Call Balance Enquiry Numbers

Hope this information will make your balance checking easy.

Category: BankingTag: Missed Call Balance Enquiry, Missed Call Banking

About Basavaraj Tonagatti

Basavaraj Tonagatti is the man behind this blog. He is SEBI Registered Investment Adviser who is practicing Fee-Only Financial Planning Process and also an Independent Certified Financial Planner (CFP), engaged in blogging since 7 years. BasuNivesh blog is ranked as one among India's Top 10 Personal Finance Blog. He is not associated with any Financial product/service provider. The purpose of this blog is to "Spread personal finance awareness and make them to take informed financial decisions." Please note that the views given in this Blog/Comments Section/Forum are clarifications meant for reference and guidance of the readers to explore further on the topics/queries raised and take informed decisions. These should not be construed as investment advice or legal opinion."

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Reader Interactions

Comments

  1. GR Babu

    May 7, 2017 at 11:07 PM

    In one of your posts “How to check bank balance” with a single mobile no missed call to corresponding bank. The question is in case I have several accounts with one branch of SBI (one for self, one for spouse and two for children) what will be the response from bank where all accounts have same mobile no.

    Reply
    • Basavaraj Tonagatti

      May 8, 2017 at 2:12 PM

      Babu-Check with your bank.

      Reply
  2. k.nagaraj

    December 21, 2016 at 8:11 PM

    Good information sir thank you
    But I’m living in chennai
    My acc bank of Maharashtra how do chek my account & balance details

    Reply
    • Basavaraj Tonagatti

      December 21, 2016 at 8:16 PM

      Nagraj-You may follow above procedure.

      Reply
  3. satish wable

    August 10, 2016 at 7:22 AM

    best information

    Reply
  4. shrikant

    May 9, 2016 at 12:55 PM

    Bank of Maharashtra – account holders, Plz try below number to give missed call and know about you Account balance.. 9222281818 .. I seen this number in Kanjurmarg West Branch and asked to branch staff about it’s validity. Please let me know if this number is correct & working properly – shrifriendz@gmail.com

    Reply
    • Pushkar Tawde

      June 19, 2016 at 3:30 PM

      How to activate netbanking for Maharashtra bank.

      How to generate user ID & password

      Is there any procedure let me know.

      Reply
      • Basavaraj Tonagatti

        June 20, 2016 at 10:59 AM

        Pushkar-Contact the concerned bank.

        Reply
    • anonymous

      February 28, 2017 at 7:07 PM

      yes it works…………!

      Reply
  5. Kiran Madan Chhatri

    March 7, 2016 at 5:36 PM

    I want To Know How To Check The bank Of Maharastra Toll Free No……

    Reply
    • Basavaraj Tonagatti

      March 8, 2016 at 9:44 AM

      Kiran-If the bank is not listed above, then contact the bank itself.

      Reply
  6. pradeep

    December 12, 2015 at 12:04 PM

    very nice information now i can get my account balance easily, thanks for sharing this valuable article. can you tell me state bank of india number?

    Reply
    • Basavaraj Tonagatti

      December 12, 2015 at 5:20 PM

      Pradeep-It is already listed above.

      Reply
  7. Ajith

    November 10, 2015 at 6:57 PM

    How to register mobile number in SBI for the first time it is asking us to send the SMS for registering to avail this service how do we register it through SMS ? Is there any code to register it for the first time as my number is already updated in their records.

    Reply
    • Basavaraj Tonagatti

      November 13, 2015 at 2:11 PM

      Ajith-You have to register it by personally visiting to bank. Once it is activated, then you can use this facility. If your number is already updated and linked to your bank account but still not getting SMS, then better to contact bank.

      Reply
  8. maninder

    August 31, 2015 at 6:48 AM

    in pnb if mobile number is already given to bank for account then their is no need to register again.
    but in SBI we need to register by sending sms even number is already register with bank.
    do not know Why Sbi make this silly extra step for sevice?

    Reply
    • Basavaraj Tonagatti

      August 31, 2015 at 10:18 AM

      Maninder-My be they want MORE security 🙂

      Reply
  9. Gafoor SAYYAD

    April 1, 2015 at 8:18 AM

    Very usefull information. Please keep it up.

    Reply
  10. Pankaj

    March 31, 2015 at 9:55 PM

    Hi Basavaraj,

    Thank you for posting a very useful article.

    I would like to share this article on my blog. I will keep your site link and give you the credits. However need your permission before doing so. Will it be okay?

    Thanks,
    Pankaj

    Reply
  11. Anish

    March 31, 2015 at 8:56 PM

    Hi Basu,

    Good article.. and I have a few question !

    You say ‘metropolitan cities would be allowed only 5 ATM transactions and 3 for other banks ATM transactions’ . s

    1. Is the limit based on ATM usage in metropolitan cities or account is in a metro
    eg: I have my account in non metro and travel to metro for a month..Is this applicable to me ? I have my account in a metro and travel to my hometown (non metro) what will be the limit ?

    2. In case I am using own bank for 1st to 6th transaction will it charge me ? So is it beneficial for me to go to other bank atm and use it if I use up all 5 free transactions ?

    Regards
    A

    Reply
    • Basavaraj Tonagatti

      April 1, 2015 at 12:59 AM

      Anish-I think they consider based on where your account is currently. If it is within 5 transactions for own bank and 3 transactions for other banks then no charges. Later on they charge.

      Reply
  12. Arun

    March 31, 2015 at 1:21 PM

    Very Useful Info. thanks for the update

    Reply
  13. Mayuresh

    March 31, 2015 at 10:31 AM

    Dear Basu,

    A very usefull List for an conservative People, who love to enjoy these freebie services.

    Hey Basu Can you add or find our the Toll Free No for Bank of Maharashtra please

    regards,
    mayur

    Reply
    • Basavaraj Tonagatti

      March 31, 2015 at 10:44 AM

      Mayuresh-Thanks, I am unable to find the said bank number. If I found then definitely I update it.

      Reply

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