1. Missed Call Service
- Number: 96776 33000
- Give a missed call from your registered mobile—your call will disconnect after 2 rings, and you’ll receive an SMS with your account balance.
- It’s completely free.
2. Toll‑Free IVR
- Number: 1800 425 00000
- Call from your registered number, choose your language, and follow the menu to hear your account balance—either via voice or SMS.
3. SMS Banking
- Send to: 94443 94443
- Format:
BALAVL <Account_Number> <MPIN> - You’ll receive your balance via SMS shortly after. SMS carrier charges may apply.
4. WhatsApp Banking
- Number: 87544 24242
- Save the number → send “Hi” → enter 1 for balance enquiry → get your balance in the chat.
5. Mobile App & mPassbook
- Use IndOASIS or IndSMART apps → log in with MPIN/biometric → go to Accounts to see your balance.
6. Net Banking
- Log in to the [Indian Bank Net Banking portal] → click Accounts → Balance Enquiry to view your real-time balance.
7. ATM Balance Enquiry
- Use any ATM: insert your debit card → enter PIN → select Balance Enquiry (and optionally print receipt).
8. UPI Apps
- Open UPI apps like Google Pay, PhonePe, or BHIM → select your Indian Bank account → tap Check Balance → enter UPI PIN.
Summary Comparison
| Method | How to Access | Internet? | Charges |
|---|---|---|---|
| Missed Call | Dial 96776 33000 | No | Free |
| Toll‑Free IVR | Call 1800 425 00000 | No | Free |
| SMS | Send BALAVL to 94443 94443 | No | SMS charges |
| Chat at 87544 24242 | Yes | Data charges | |
| Mobile App | IndOASIS / IndSMART | Yes | Data charges |
| Net Banking | Online portal | Yes | Free |
| ATM | Any ATM | No | Usually free |
| UPI Apps | Any UPI-enabled app | Yes | Free |
