SBI Balance Check – All Ways to Check SBI Account Balance

SBI Balance Check: Complete Guide for SBI Account Holders

Checking your account balance is one of the most frequent banking activities. SBI Balance Check has now become easier than ever with multiple online and offline methods. Whether you want to check your balance instantly through missed call, SMS, WhatsApp, YONO app, Net Banking, ATM, or UPI, State Bank of India provides several options that suit every customer’s need.

This detailed guide will help you understand all official ways of SBI Balance Enquiry in 2025, step-by-step processes, and common FAQs.

Learn SBI Balance Check methods

SBI Balance Check Overview: All Ways to Check SBI Account Balance

State Bank of India (SBI), India’s largest public sector bank, offers several balance enquiry options for both savings and current account holders. Customers can check their balance through:

  • Missed Call Banking (SBI Quick)

  • SMS Banking

  • WhatsApp Banking

  • SBI YONO & YONO Lite App

  • Net Banking (onlinesbi.com)

  • ATM Balance Enquiry / Mini Statement

  • UPI Apps (BHIM, PhonePe, GPay, SBI Pay)

  • USSD (Offline Banking)

All these methods are secure and quick, provided your mobile number is registered with SBI.

SBI Balance Check by Missed Call

The SBI Quick Missed Call service is the most convenient option. Customers can give a missed call from their registered mobile number to receive an instant SMS with their account balance.

  • For Balance Enquiry: Dial the official SBI balance check number.

  • For Mini Statement: Dial the mini statement number to get details of the last 5 transactions.

Steps:

  1. Ensure your mobile number is registered with SBI.

  2. Give a missed call to the official number.

  3. The call disconnects automatically, and you receive your account balance via SMS.

This service is free of cost, but standard carrier SMS charges may apply.

SBI Balance Check by SMS

If you prefer typing, you can check your SBI balance using the SMS Banking service.

  • Type BAL and send to the official SBI SMS number to know your balance.

  • For mini statement, send MSTMT.

  • For MOD balance, send MODBAL.

The reply SMS will show your “clear balance”, meaning the funds available after accounting for uncleared cheques or holds.

Troubleshooting:

  • Ensure correct format.

  • Check that your SIM is active and registered.

  • Disable DND settings if SMS is blocked.

SBI Balance Check on WhatsApp Banking

SBI also allows you to check balance through WhatsApp Banking.

Steps:

  1. Save SBI’s official WhatsApp number.

  2. Send “Hi” to initiate conversation.

  3. From the menu, select Balance Enquiry.

This is a secure and free service available to all SBI customers. You can also access mini statements, cheque book requests, and more through WhatsApp.

SBI Balance Check on YONO and YONO Lite App

SBI’s YONO and YONO Lite apps are feature-rich mobile banking platforms.

  • YONO App: Login → Home → View Balance. You can also check via mPassbook.

  • YONO Lite: Login → Accounts → Balance Enquiry or mPassbook.

Tips:

  • Enable fingerprint or MPIN login for faster access.

  • Always logout after checking balance for security.

These apps also allow fund transfers, bill payments, FD/PPF view, and more.

SBI Balance Check via Net Banking

For those using laptops or desktops, Net Banking at onlinesbi.sbi is ideal.

Steps:

  1. Login with your User ID and Password.

  2. Go to Accounts → Account Summary.

  3. Your balance and transactions will be displayed.

If you forget your password or account gets locked, you can contact SBI’s customer care or your branch to reset access.

SBI Balance Check at ATM

ATMs remain a widely used method for balance enquiry.

Steps:

  1. Insert your SBI ATM/Debit card.

  2. Enter your PIN.

  3. Select Balance Enquiry or Mini Statement.

Note: Enquiries at non-SBI ATMs may attract charges after a limited number of free transactions.

SBI Balance Check using UPI

Any UPI app (BHIM, PhonePe, Google Pay, Paytm, SBI Pay) can be used to check your SBI balance.

Steps:

  1. Open the UPI app.

  2. Select your SBI account.

  3. Tap on Check Balance.

  4. Enter your UPI PIN.

The available balance is shown instantly. This works 24/7 and is useful even if SBI’s official apps are under maintenance.

SBI Balance Check via USSD (Offline)

For feature phone users or low network areas, USSD Banking is helpful.

Steps:

  1. Dial the USSD code from your registered mobile.

  2. Choose Balance Enquiry from menu.

  3. Enter your MPIN/UPI PIN to authenticate.

This service requires prior registration and works without internet.

SBI Balance Check for Different Account Types

  • Savings & Current Accounts – Check via any method (missed call, SMS, YONO, ATM).

  • MOD (Multi Option Deposit) Balance – Use SMS keyword MODBAL.

  • PPF & Deposits – View via Net Banking or YONO.

  • Loan Accounts – Balance/outstanding shown in Net Banking/YONO under “Loans.”

SBI Balance Check: Registration, Charges, Limits, and Timing

  • Registration: Update your mobile number at SBI branch, ATM, or Net Banking.

  • Charges: Missed call & WhatsApp are free; SMS may incur standard SMS charges; ATM balance enquiry is free at SBI ATMs.

  • Timing: SMS shows “clear balance”, which may differ from available balance if pending transactions exist.

SBI Balance Check Security: Official Numbers, Fraud Alerts & Safety

Always ensure you use official SBI numbers for missed call, SMS, and WhatsApp banking.

Safety tips:

  • Never share your OTP, PIN, CVV, or passwords.

  • SBI never asks for sensitive details over phone or WhatsApp.

  • Report suspicious activity immediately to SBI helpline.

  • Beware of SIM swap and mobile number change scams.

SBI Balance Check: Common Errors & Fixes

  • Unregistered number – Update your mobile at branch/ATM.

  • DND enabled – Disable to receive SMS replies.

  • Wrong SMS format – Use official keywords (BAL, MSTMT, MODBAL).

  • YONO issues – Update or reinstall app.

  • UPI errors – Reset UPI PIN if incorrect.

SBI Balance Check FAQs

Q1. What is the SBI Balance Check number for missed call?
You can give a missed call from your registered mobile number to receive balance details via SMS.

Q2. How to check SBI balance without internet?
Use missed call, SMS, USSD, or ATM.

Q3. How to check SBI balance on WhatsApp?
Save SBI’s official WhatsApp number → Send “Hi” → Select Balance.

Q4. How to check balance in YONO?
Login to YONO → Home → View Balance or mPassbook.

Q5. Can I check SBI balance through UPI apps?
Yes, all UPI apps allow balance check after entering UPI PIN.

Q6. What does “clear balance” mean in SBI?
It shows usable funds after pending debits/holds are excluded.

Q7. How do I register my mobile number for balance check?
Visit your SBI branch, ATM, or use Net Banking to update mobile details.

Q8. Are there charges for SBI Balance Enquiry?
Missed call and WhatsApp are free; SMS may attract normal operator charges.

Q9. Why am I not receiving balance SMS?
Check if number is registered, SMS format is correct, and DND is disabled.

Q10. How to check MOD balance in SBI?
Send MODBAL by SMS or view via Net Banking/YONO.

Q11. Can NRI customers use missed call balance check?
Yes, but international number format (+91) must be used where supported.

SBI Balance Check—Best Method for You

  • No Internet → Missed call, SMS, or USSD.

  • Smartphone Users → WhatsApp or YONO app.

  • Frequent Checks → UPI apps or Net Banking.

  • Paper Record → ATM Mini Statement.

Choose the method that fits your lifestyle for a hassle-free SBI Balance Enquiry.

Tags: SBI Balance Check, SBI Bank Balance Check