Federal Bank Balance Check Number – Complete Guide

Federal Bank offers multiple options for balance enquiry – through missed calls, SMS, net banking, mobile apps, WhatsApp and more. Neha had ₹15,000 in her Federal Bank savings account on the 1st of April. She paid ₹4,500 for groceries, spent ₹1,200 on fuel, and auto-debited ₹2,500 for her SIP. 

She wasn’t sure of the remaining balance and needed to transfer ₹7,000 to her mother. Instead of visiting a branch or ATM, she dialled 8431900900 from her registered mobile number and within seconds, got an SMS saying her available balance was ₹6,800 – just enough to proceed with the transfer. That’s the power of a simple missed call. This blog will walk you through each method in detail, including steps, tips, and things to remember.

Federal Bank Balance Check

Federal Bank Balance Check via Missed Call

The simplest and quickest way to check your Federal Bank account balance is by using the missed call service. This method doesn’t require the internet, works 24x7, and is especially useful for those who prefer offline banking access.

Federal Bank Balance Check Number: 

Steps to Use:

1. Dial 8431900900 from your registered mobile number.
2. The call will disconnect automatically after one ring.
3. Shortly after, you’ll receive an SMS containing your available account balance.

Numerical Tip:
 

If your previous balance was ₹10,500 and you withdrew ₹2,000 yesterday, after giving a missed call today, your 

SMS might say:
 

“Balance in your account ending 1234 is ₹8,500 as of 20-Apr-2025.”

Federal Bank Mini Statement via Missed Call

Need a quick look at your last few transactions? Use this number:
 

8431600600

You will receive an SMS listing your last five transactions. This is particularly helpful when verifying recent debits or credits, especially in the case of suspected fraud or to track spending.

How to Register for Federal Bank Balance Enquiry via Missed Call or SMS

To use these services, your mobile number must be registered with the bank.

Steps to Register:

1. Type this SMS: ACTBAL <space> 14-digit account number
2. Send it to 9895088888
3. Once you receive confirmation from the bank, you can start using both the missed call and SMS enquiry options.

Other Ways to Check Federal Bank Account Balance

While missed call banking is simple, Federal Bank offers multiple balance enquiry options for different user preferences:

1. Net Banking (FedNet)

If you’re already registered for internet banking, you can check your balance online.

Steps:

• Visit: https://www.fednetbank.com
• Login with your User ID and Password
• Click on Accounts → Account Summary

Tip: You can also download account statements, check loan status, and perform fund transfers.

2. Mobile Banking (FedMobile, FedBook Selfie, FedCorp)

Federal Bank has a range of apps catering to different users:

• FedMobile – Full-service banking app
• FedBook Selfie – Digital passbook to track transactions
• FedCorp – Corporate user platform

Steps:

• Login using MPIN or OTP
• Tap on Accounts → Balance Enquiry

Tip: The FedMobile app also helps users with budgeting tools, spending insights, and goal-based savings.

3. Toll-Free Balance Enquiry via IVR

You can use Federal Bank’s Interactive Voice Response (IVR) system to check your balance.

Toll-Free Numbers:

• 1800-425-1199
• 1800-420-1199

After calling:

• Choose your preferred language
• Follow the voice prompts to check your account balance

Tip: Save these numbers in your phone under “Federal Bank IVR” for quicker access.

4. ATM Balance Check

You can check your balance at Federal Bank ATMs or any other bank’s ATM.

Steps:

• Insert your debit card
• Enter your PIN
• Select Balance Enquiry

Tip: Be mindful of ATM usage charges. Most banks allow five free ATM transactions per month. Extra usage may attract charges.

5. Passbook Update

Visit your nearest Federal Bank branch or self-service kiosk to update your passbook.

Tip: This is ideal if you prefer offline records, need historical data for auditing, or want to reconcile your account manually.

Federal Bank SMS Banking – Balance Check via Text

Prefer texting over calling? Use this simple SMS method to get your balance.

Send this SMS:

BAL <space> myshortno
 

To: 9895088888 or 5676762

Example:
 

BAL 4321 → You will receive:
 

“Balance in A/c ending 4321 is ₹9,230 as of 21-Apr-2025.”

Tip: ‘myshortno’ refers to either the last 4 digits of your account number or a custom nickname you’ve assigned to your account.

Federal Bank WhatsApp Banking – Access via FEDDY

Federal Bank also offers banking services via WhatsApp, through its virtual assistant FEDDY. You can check your balance, track card status, and more – all via chat.

To Activate FEDDY on WhatsApp:

• Send FEDDY to 8108030845
   

  OR

   

• Give a missed call to 8095500077 to receive the WhatsApp link directly

Key Services via WhatsApp:

• Account Balance Check
• Mini Statement
• KYC Updates
• Debit Card Request
• Loan Application
• ATM/Branch Locator
• FedMobile Download Link

Tip: FEDDY works round the clock, is bilingual (English & Malayalam), and offers instant help

Conclusion

Federal Bank provides multiple convenient ways to check your account balance, but none are as quick and easy as the missed call facility. By simply dialling 8431900900 from your registered number, you get your current account balance via SMS – no internet required, no login hassles, and it works 24x7. For those wanting a quick look at recent transactions, the mini statement number 8431600600 delivers a concise SMS summary of the last five transactions, making it a handy tool for monitoring daily spending.

Federal Bank offers a wide range of balance check options—from modern tools like FedNet, FedMobile, WhatsApp banking (FEDDY), and IVR, to traditional methods like ATM checks and passbook updates. These services are designed to be accessible to everyone, including rural users and the elderly, ensuring quick, secure, and convenient access to account information.

Frequently Asked Questions (FAQs)

1. What is the Federal Bank Balance Check Number?

The number is 8431900900. Give a missed call and you’ll receive your balance via SMS.

2. Are there any charges for balance enquiry?

No. All missed calls and WhatsApp services are completely free of cost.

3. Can I check the balance from a non-registered mobile number?

No. Only registered mobile numbers are eligible for balance enquiry services.

4. How many times can I check the balance through a missed call?

Usually, there’s no restriction, but the best practice is not to overuse it in short intervals.

5. Is the internet required for missed calls or SMS balance enquiries?

No. These services work offline, making them suitable for users without smartphones.

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