How To Check IOB Balance By SMS, Missed Call, ATM & Internet Banking

Indian Overseas Bank (IOB) allows customers to check their account balance using multiple online and offline methods. Whether you have internet access or not, you can instantly know your balance through missed call, SMS banking, ATM, UPI, mobile app, or USSD code.

Below is a complete step-by-step guide with proper numbers and exact actions you need to take.

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IOB Balance Check – Complete Method Table

Method	Access Type	Requirement	Exact Number / Action
Missed Call	Offline	Registered Mobile Number	Dial 9210622122 or 9289222029
SMS Banking	Offline	Registered Mobile Number	Send BAL <Last 4 digits> to 8424022122
Toll-Free Enquiry	Offline	Any Mobile	Call 1800 890 4445 or 1800 425 4445
Internet Banking	Online	User ID & Password	Login at official IOB net banking portal
Mobile Banking App	Online	MPIN / Login	Use IOB Mobile App → View Account Balance
ATM	Offline	ATM Card + PIN	Insert card → Select Balance Enquiry
Passbook	Offline	Physical Passbook	Visit branch and update passbook
UPI	Online	UPI PIN	Open UPI App → Check Account Balance
USSD Code	Offline	Registered Mobile Number	Dial 9952# and follow menu

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Indian Overseas Bank Balance Enquiry Numbers

Here are the important official numbers:

Service	Number
IOB Toll-Free Customer Care	1800 890 4445 / 1800 425 4445
IOB Missed Call Balance Enquiry	9210622122 / 9289222029
IOB SMS Banking	8424022122
IOB USSD Code	9952#

Your mobile number must be registered with the bank for missed call, SMS, and USSD services.

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Detailed Methods to Check IOB Account Balance

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1️⃣ Check IOB Balance by Missed Call

This is the fastest method.

What You Need To Do:

1. Dial 9210622122 OR 9289222029 from your registered mobile number.
2. The call will disconnect automatically.
3. You will receive an SMS with your account balance.

No internet required.

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2️⃣ Check IOB Balance by SMS

You can check balance by sending a simple SMS.

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SMS Format:

Type:

BAL <Last 4 digits of Account Number>

Send to:

8424022122

Example:

If your account number ends in 1234, send:

BAL 1234

You will receive your balance details via SMS.

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3️⃣ Check IOB Balance Through Toll-Free Number

You can call customer care for assistance.

Dial:

• 1800 890 4445
• 1800 425 4445

Follow IVR instructions to check your account information.

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4️⃣ Check IOB Balance Through Internet Banking

If you are registered for internet banking:

Steps:

1. Visit official IOB Internet Banking website.
2. Login using your User ID and Password.
3. Click on “View Account Details”.
4. Select “Check Account Balance”.

You can also download statements from here.

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5️⃣ Check IOB Balance Through ATM

Steps:

1. Visit nearest ATM.
2. Insert ATM card.
3. Enter PIN.
4. Select “Balance Enquiry”.
5. Balance will be displayed on screen.

You can print receipt if needed.

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6️⃣ Check IOB Balance Through Mobile Banking App

Steps:

1. Download official IOB mobile banking app.
2. Login using MPIN.
3. Tap on “My Account”.
4. Select “View Account Balance”.

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This method gives instant access anytime.

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7️⃣ Check IOB Balance Through UPI

You can use:

• Google Pay
• PhonePe
• Paytm
• BHIM

Steps:

1. Open UPI app.
2. Click “Check Account Balance”.
3. Select your IOB account.
4. Enter UPI PIN.
5. Balance will appear instantly.

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8️⃣ Check IOB Balance Through USSD Code (No Internet Required)

Works on basic phones.

Steps:

1. Dial 9952# from registered mobile number.
2. Choose preferred language.
3. Select “Balance Enquiry”.
4. Follow menu instructions.
5. You will receive balance details via SMS.

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Important Safety Tips

• Always use registered mobile number.
• Never share OTP, ATM PIN, or UPI PIN.
• Save official IOB numbers in your phone.
• Use secure internet connection for online banking.

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Conclusion

Indian Overseas Bank provides multiple balance enquiry options for both online and offline users. Whether you prefer missed call service, SMS, ATM, UPI, or internet banking, you can check your account balance quickly and securely.

For more detailed banking and government service guides, visit Sarkari Bakery.

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