PNB Balance Check: All Methods with Numbers and Steps (2026)

You can check your Punjab National Bank account balance in several ways without going to a branch. This guide covers the missed call number, SMS banking, WhatsApp, the PNB ONE app, ATM, and net banking, with exact numbers and steps for each.

PNB Balance Check Quick Reference

Method	Number / Action	Charges
Missed Call	1800 180 2222 or 0120 2303090	Free
SMS	Send “BAL” to 5607040	SMS charges apply
WhatsApp	Send “Hi” to 9264092640	Free
PNB ONE App	Download from app store	Free
ATM	Insert card, select Balance Enquiry	Free (home bank)
Net Banking	Login at pnbindia.in	Free

PNB Missed Call Balance Check

This is the fastest way to check your balance. You do not need internet or data.

1. Use your registered mobile number (the one linked to your PNB account)
2. Call 1800 180 2222 (toll-free, works pan-India)
3. The call disconnects automatically after 1 to 2 rings
4. You will receive an SMS with your current account balance within a few seconds

Alternate number: 0120 2303090 (chargeable, for non-toll-free zones)

Important: The missed call service only works from your registered mobile number. If you are calling from a different number, you will not receive the balance SMS.

PNB Balance Check via SMS

1. Open the SMS app on your registered mobile number
2. Type: BAL
3. Send it to 5607040
4. You will receive your account balance as an SMS reply

For mini statement (last 5 transactions):

• Type: MINSTMT
• Send to: 5607040

Standard SMS charges from your mobile operator apply.

PNB Balance Check via WhatsApp

PNB has a WhatsApp banking service that lets you check balance and mini statements.

1. Save 9264092640 in your contacts as PNB WhatsApp Banking
2. Send “Hi” to this number on WhatsApp from your registered mobile number
3. Follow the menu options and select Balance Enquiry
4. Your balance will appear in the chat

This service is free and works 24×7.

PNB Balance Check via PNB ONE App

PNB ONE is PNB’s official mobile banking app, available on both Android and iOS.

First-time setup:

1. Download PNB ONE from the Google Play Store or Apple App Store
2. Register using your account number and registered mobile number
3. Complete OTP verification
4. Set your MPIN

Checking balance after setup:

1. Open PNB ONE and log in with your MPIN or biometrics
2. Your account balance is displayed on the home screen
3. Tap the account card for a detailed view or to download your mini statement

The app also shows mini statements, allows fund transfers (NEFT, IMPS, UPI), and lets you pay bills.

PNB Balance Check via ATM

1. Insert your PNB debit card at any ATM
2. Enter your PIN
3. Select Balance Enquiry from the menu
4. Your balance will appear on screen and can be printed as a receipt

Balance enquiry at PNB ATMs is free. At non-PNB ATMs, you may have a monthly free transaction limit (typically 3 to 5 free transactions per month at other bank ATMs).

PNB Balance Check Without Internet

If you do not have internet access, you have two options:

1. Missed call: Call 1800 180 2222 from your registered number (no internet needed)
2. SMS: Send BAL to 5607040 (only SMS service needed, no data)

Both methods work on basic feature phones as well as smartphones.

PNB Mini Statement: Last 5 Transactions

To get your last 5 transaction details (not just balance):

Method	How
SMS	Send “MINSTMT” to 5607040
Missed call	Call 1800 180 2223 (mini statement number)
PNB ONE App	Open app, go to Account, tap Mini Statement
ATM	Select Mini Statement from ATM menu
Net banking	Login at pnbindia.in, go to Account Summary

How to Register for PNB SMS Banking (If Not Already Registered)

If the missed call or SMS method is not working, your mobile number may not be registered for SMS banking. To register:

1. Visit your nearest PNB branch
2. Fill out the SMS banking registration form
3. Submit it with your passbook and ID proof
4. Your number will be activated within 1 to 2 working days

You can also update your registered mobile number at the branch if it has changed.

Common Issues with PNB Balance Check

Not receiving the balance SMS after missed call:

• Make sure you are calling from the registered mobile number
• Check if SMS banking is activated on your account
• Ensure your mobile number is updated in PNB’s records

SMS to 5607040 not working:

• Some mobile operators block short codes. Try sending from a different network or contact your operator.
• Your number may not be registered for SMS banking.

WhatsApp balance enquiry not responding:

• Make sure you are sending the message from your registered mobile number’s WhatsApp account.

FAQs