Know all about Missed Call Banking – check account balance for free

In this article, get to know about a new banking facility known as Missed Call Banking or Missed Call Balance Enquiry service. Using this facility, one can check their bank account balance free at anytime using their mobile phones. Read on to know more about Missed Call Banking facility.


There are different ways in which we can check our bank account balance -
  1. By visiting the bank branch and updating your passbook

  2. By using internet/mobile banking facility

  3. By using ATM machines
Using any of the above means places some limitations and constraints in terms of time, money and other resources. We shall discuss these limitations in a little while, but did you know that you can now check your account balance free of cost? This is possible using a facility known as Missed Call Banking or Missed Call Balance Enquiry.

Let us now see the constraints associated with the existing account balance checking facilities and also understand the features of Missed Call Banking facility.
Missed Call Banking

Visiting the bank branch to check account balance

This is the most convenient and old fashioned way to know your bank balance as is still preferred by the elderly and senior citizens. But in today's time-cramped and multi-tasking lifestyle, going to the bank just for this purpose does not make sense to many. Also the branches may be located at places far from one's home, making the task even more difficult. However, it is a good practice to update your bank passbook at least once a month.

Using internet/mobile banking facility

Things can happen very quickly and easily using internet and mobile banking. This facility is a huge favorite among today's youth and also among businesses for its geographic-independence and simplicity. Big transactions and utility activities like paying bills can be done with just a few clicks. There is literally no drawback associated with this method, but they do need an internet connection and activation of the net banking/mobile banking facility, if they can be called constraints.

Check out: The basic tips to protect online internet banking account

Using ATM machines to check balance

If the above methods do not impose too much of a drawback, then using ATMs definitely does – both in terms of money and access.

With effect from 1st November 2014, the RBI has imposed restrictions on monthly free ATM usage in 6 metropolitan cities – Delhi, Mumbai, Chennai, Kolkata, Bangalore and Hyderabad. According to the new rules, savings bank account holders in these cities can perform a maximum of 5 free ATM transactions at own bank ATMs and 3 free transactions on other bank ATMs in a month. Transactions above this limit will be charged at about Rs. 20 per transaction.

Suggested Read: How to create a 3D secure password for your SBI ATM cum Debit card

It is important to understand that an 'ATM transaction' includes both a financial and non-financial transaction. Examples of financial transactions are money withdrawal, money deposit, payment, etc, while examples of non-financial transactions are balance enquiry, mini statement, ATM PIN change, etc.
Thus a transaction is counted even if it does not involve money and hence checking a balance once or twice a month can prove costly at times. However, cities other than the above mentioned and small/no frills/BSBDA accounts do not have these restrictions.

Features of Missed Call Balance Enquiry facility

After reviewing the existing methods, this new facility seems to negate most of the shortcomings and here are its salient features-
  • Missed Call Balance Enquiry service is available for FREE

  • You only need to register your mobile number with your bank branch.

  • After you give a missed call to a number (list attached at the end), the call gets automatically disconnected after 2-3 rings.

  • After this you get your bank balance and last 5 transactions performed through SMS.

  • In case your number is not registered with your bank, you will get a message 'Your mobile number is not registered for this service'.

  • If a customer has more than one same natured account, like 2 savings accounts or 2 current accounts, then the last opened account will be considered as the default account. We can contact the bank anytime and switch to the default account of our choice.

  • If a customer has different types of accounts like savings account, current account, cash credit account, etc with the same bank, then a default account will be selected in the following order-
    1. Savings Account (SB)
    2. Current Account (CA)
    3. Overdraft (OD)
    4. Cash Credit (CC)
    5. Other Accounts
These rules are mostly same for all banks. However, there may be slight variations in rules from bank to bank. Though this option might sound a bit confusing and lengthy, it sure is a good way to keep track of your financial transactions on the go and at will.

Miss Call Balance Enquiry numbers of all banks



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