Punjab National Bank Balance Check Number: Everything You Need to Know

"Aaj ke digital yug mein, banking suvidhayein itni aasan ho gayi hain ki ab apne Punjab National Bank account ka balance check karna sirf ek call ya SMS ka kaam hai. Ghar baithe-baithe ya safar mein, aap apne account ki jaankari kabhi bhi prapt kar sakte hain."

Checking your bank account balance is now easier than ever. With over 80% of banking transactions in India happening through digital channels, knowing exactly how much money you have can be done in seconds. 

Let us take the example of Priya, a busy professional in Bangalore, who effortlessly keeps track of her finances. One day, she needs to confirm a ₹10,000 deposit that was made to her Punjab National Bank account. 

In just a few seconds, she uses her phone to check her balance through the SMS service, by sending “BAL <16-digit Account Number>” to 5607040. Immediately, she sees that her balance is ₹12,345.67, giving her the reassurance she needs.

Keep reading this blog to understand how to check your bank balance at Punjab National Bank through various means easily.

Punjab National Bank, one of India’s most trusted public sector banks, offers several convenient ways for customers to check their account balance. These include balance enquiries through missed calls, SMS, mobile banking, internet banking, WhatsApp banking, ATM visits, bank branch visits, and third-party apps. For example:

Let us explore each method in detail.

Ways to Check Punjab National Bank Account Balance

1. Check Balance by Missed Call

Steps to Use:

• Dial 1800 180 2223 or 0120 2303090 from your registered mobile number.
  
• The call will disconnect automatically after a few rings.
  
• You will receive an SMS with your account balance.
  
  

Benefits:

• Free of cost
  
• No internet required
  
• Available 24 hours a day, 7 days a week
  
  

Example:

Rohit is a sales executive who frequently travels to different cities. While waiting at a train station, he wanted to check if his salary had been credited. He took out his phone and dialled 1800 180 2223 from his mobile number registered with Punjab National Bank.

After three rings, the call automatically disconnected.

Within 10 seconds, he received a message that read something like:

"Dear Customer, Your Account No. XXXX5678 has a balance of ₹24,358.45 as on 18-Apr-2025. - Punjab National Bank"

This helped Rohit confirm that his salary had been credited, and he continued his journey with peace of mind. There was no need for the Internet, apps, or complicated steps.

2. Check Balance by SMS

Steps to Use:

• Open your phone’s messaging app.
  
• Type: BAL followed by your 16-digit account number.
  
• Send the message to 5607040.
  
  

Benefits:

• Works on basic mobile phones
  
• No internet needed
  
• Instant balance update by SMS
  
  

Example:

Geeta, a retired school teacher living in a rural area, uses a basic feature phone. She wanted to check if her pension had been credited to her Punjab National Bank account, so she used the SMS service instead of mobile banking apps.

She opened her messaging app and typed the following message:

BAL 1234567890123456

Then, she sent it to 5607040.

Within a few seconds, she received an SMS reply from Punjab National Bank that said:

"Dear Customer, your Account No. XXXX3456 has a balance of ₹15,620.75 as on 18-Apr-2025. - PNB"

This quick and straightforward method gave her the information she needed without requiring a smartphone, data pack, or even a trip to the bank.

3. Check Balance by Toll-Free Customer Care Number

Steps to Use:

• Call 1800 180 2222 from your registered mobile number.
  
• Follow the instructions to get your balance.
  
  

Benefits:

• Toll-free
  
• You can also talk to customer care for help.
  
• Works all over India
  
  

Example:

Vinod, a retired army officer, isn’t very comfortable using mobile apps and prefers talking on the phone. One day, he wanted to check his Punjab National Bank account balance to confirm if a cheque had cleared.

He called the toll-free number 1800 180 2222 from his registered mobile number.

After a welcome message, the automated voice system (IVR) gave him the following options:

"Press 1 for Balance Enquiry, Press 2 for Mini Statement, Press 3 to speak with a customer care executive..."

Vinod pressed 1.

The system then read out:

"Your account balance as on 18 April 2025 is ₹42,780.60."

Vinod appreciated how quick and straightforward the process was. It saved him a trip to the bank, and he could even press other options to learn about his last few transactions or speak to a bank representative.

4. Check Balance Using Mobile Banking

Punjab National Bank provides a mobile banking app called Punjab National Bank ONE.

Steps to Use:

• Download the Punjab National Bank ONE app from the Play Store or App Store.
  
• Log in using your user ID and password or MPIN.
  
• Your balance will appear on the home screen.
  
  

Benefits:

• View balance, mini statement, and transaction history
  
• Transfer money and pay bills.
  
• Secure and fast
  
  

Example:

Meena, a working mother of two, finds it hard to visit the bank during business hours. So she uses the PNB ONE mobile banking app to handle all her banking needs.

One afternoon, she wanted to check if her salary had been credited. She opened the PNB ONE app on her phone, entered her 4-digit MPIN and logged in.

Right on the home screen, she saw:

“Savings Account – XXXXX1234: ₹58,450.00”

She tapped on the balance to view a mini statement, in which she noticed a credit of ₹45,000 labelled “Salary – April 2025.”

Relieved and happy, Meena also used the app to pay her electricity bill of ₹1,200 and transfer ₹5,000 to her son’s account via UPI, all within minutes and without leaving her house.

5. Check Balance Using Internet Banking

Steps to Use:

• Visit the Punjab National Bank internet banking website at https://netpnb.com.
  
• Log in using your user ID and password
  
• Your balance will be shown on your account dashboard.
  
  

Benefits:

• 24-hour access
  
• Download statements
  
• Pay bills and transfer money.
  
  

Example:

Arun, a 68-year-old retired officer, prefers using his laptop for all digital activities. On the first of every month, he checks whether his pension has been credited to his Punjab National Bank savings account.

One morning, he visited https://netpnb.com, clicked on "Retail Internet Banking", and logged in using his User ID: 

arun1956 and his secure password.

Within seconds, his dashboard showed:

"Savings Account – XXXXX4321"
 

 Available Balance: ₹72,300.00
 

 Last Credit: ₹30,000.00 (Pension – April 2025)

Satisfied, Arun navigated to the “Account Statement” section and downloaded his monthly statement in PDF format for filing purposes. He also used the portal to pay his DTH recharge of ₹480 and scheduled an NEFT transfer of ₹10,000 to his daughter’s bank account.

For Arun, Internet banking offered him the peace of mind and convenience he needed,  all from the comfort of his study room.

6. Check Balance Using WhatsApp Banking

Steps to Use:

• Save the number 92640 92640 in your contacts.
  
• Send “Hi” on WhatsApp to this number.
  
• Follow the prompts to check your balance.
  
  

Benefits:

• Simple and quick
  
• Easy to use for people already using WhatsApp
  
  

Example:

Sneha, a fashion designer, runs her small boutique and relies on quick digital tools to manage her finances. She often uses WhatsApp for both personal and business communication, so using it for banking felt like second nature.

One afternoon, Sneha wanted to confirm her account balance before making a bulk fabric purchase. She opened WhatsApp, searched for the saved contact “PNB WhatsApp Banking” (92640 92640), and sent a simple message:

"Hi"

She instantly received a response like:

“Welcome to Punjab National Bank WhatsApp Banking!
 

Reply with the option number to proceed:

1. Balance Enquiry
   
2. Mini Statement
   
3. Services...”
   
   

Sneha replied with:

"1"

Within seconds, she received:

“Your balance for account ending in 6789 is ₹48,750.00.”

Happy with how quick and convenient it was, Sneha has permanently saved the number in her phone and now uses WhatsApp Banking frequently. She uses it not only for balance checks but also to view mini statements and get quick service updates.

7. Check Balance at an ATM

Steps to Use:

• Visit any Punjab National Bank ATM using the locator or the ATM of any bank.
  
• Insert your debit card and enter your PIN.
  

• Choose the “Balance Enquiry” option.

  
  

Benefits:

• You can also get a printed receipt
  
• Works even without a mobile or internet
  
  

Example:

Rajesh, a field engineer who often travels to remote areas, needed to check if his salary had been credited. Since mobile networks were weak where he was, he used a nearby ATM.

He found a State Bank of India ATM at a petrol pump and inserted his PNB debit card. After selecting “English” and entering his PIN, he chose the “Balance Enquiry” option from the screen.

The ATM displayed:

“Available Balance: ₹32,540.00”

Rajesh also selected the option to print a receipt, which showed:

Account Ending: xxxx1234
 

 Balance: ₹32,540.00
 

 Date: 18-Apr-2025
 

 Time: 12:45 PM

With the printed slip in hand, Rajesh was confident that his salary had come in and proceeded with his work stress-free.

8. Check Balance by Visiting the Bank Branch

Steps to Use:

• Visit your nearest Punjab National Bank branch using the locator.
  
• Ask the help desk or cashier to check your balance.
  
• Carry a valid identification document.
  
  

Best For:

• People who are not comfortable with phones or internet
  
• Senior citizens who prefer straightforward services.
• Customers who want to get printed records or need assistance.

Example:

Mrs. Lal, a retired school teacher, does not use a smartphone: she prefers visiting the bank in person. On the 5th of 

every month, she walks to her local PNB branch in Lajpat Nagar, where the staff know her.

She carries her PNB passbook and Aadhaar card. At the help desk, she says, “I’d like to check my pension balance and update my passbook.”

The bank staff takes her passbook, updates it using the passbook printing machine, and hands it back. The entry shows:

03-Apr-2025 | Credit | ₹22,000.00 | Monthly Pension
 

Balance: ₹1,04,380.00

The bank officer also confirms verbally, “Yes ma'am, your pension for April has been credited.”

Mrs. Lal appreciates the warm service and peace of mind from speaking directly to bank staff.

best method9. Check Balance Using Third-party Apps

You can also check your balance using apps like PhonePe, Google Pay, Paytm, and BHIM UPI.

Steps to Use:

• Open the app and go to the section for bank accounts.
  
  
• Select your Punjab National Bank account.
  
  
• Tap on “Check Balance.”
  
  
• Enter your UPI PIN to see your account balance.
  
  

Example:

A freelance designer, Yash, frequently checks his bank balance using Google Pay. One morning, he wants to verify if a client has transferred ₹15,000 for a project.

He opens Google Pay, taps on his Punjab National Bank account listed under the “Bank Accounts” tab, and selects 

“Check Balance.” The app prompts him to enter his UPI PIN: 2580.

Within seconds, a message appears:

“Your account balance is ₹42,730.00.”

This confirms the recent credit, and Yash is able to immediately proceed to pay his internet bill using the same app’ no need to switch platforms.

Conclusion

Punjab National Bank gives you many easy ways to check your account balance. Whether you want to give a missed call, send an SMS, use mobile banking, or simply go to an ATM, the choice is yours.

For a fast and simple option, just dial 1800 180 2223 from your registered number and get your balance by SMS. No internet, no charges, and no hassle.

Choose the method that works best for you and stay updcalls with your finachecksanytime, anywhere.

Frequently Asked Questions

Question 1: What is the balance check number for Punjab National Bank by missed call?
Answer: Give a missed call to 1800 180 2223 or 0120 2303090 from your registered mobile number.

Question 2: How can I check my Punjab National Bank balance by SMS?
 Answer: Send an SMS in this format: BAL followed by your 16-digit account number to 5607040.

Question 3: Can I check my balance using WhatsApp?
Answer: Yes, send “Hi” on WhatsApp to 92640 92640 and follow the steps.

Question 4: the customer care number for Punjab National Bank?

Answer: Call 1800 180 2222 for help or balance enquiries.

Question 5: Which app should I use for mobile banking?
Answer: Download the Punjab National Bank ONE app from your phone’s app store.

Question 6: Is there any charge for missed call or SMS balance check?
 Answer: No, both services are free of cost.

Question 7: Can I use Google Pay or PhonePe to check my balance?
Answer: Yes, if your Punjab National Bank account is linked to UPI, you can check your balance by entering your UPI PIN.

Question 8: Do I need internet for missed call balance check?
Answer: No, missed call and SMS services work without the internet.

Question 9: Can I get a mini statement from the ATM?
Answer: Yes, most ATMs provide both balance enquiry and mini statement options.

Question 10: How can people living outside India check their Punjab National Bank account balance?
Answer: They can use internet banking or the Punjab National Bank ONE app if their Indian mobile number is active and linked to the account.

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