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If you are a Punjab National Bank (PNB) customer and want to check your account balance quickly, the easiest way is to use the Punjab National Bank balance check number. PNB allows customers to check their account balance through missed call banking, SMS banking, mobile banking, internet banking, ATM services, and branch visits. These services help you access your account information anytime without visiting the bank. So, if your goal is to know your account balance instantly, using the official PNB balance enquiry number is one of the fastest and most convenient options.
Key takeaways
To be honest there is no single number or way to check your balance. Here are different methods.
"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.
Steps to Use:
Benefits:
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.
Steps to Use:
Benefits:
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.
Steps to Use:
Benefits:
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.
Punjab National Bank provides a mobile banking app called Punjab National Bank ONE.
Steps to Use:
Benefits:
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.
Steps to Use:
Benefits:
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.
Steps to Use:
Benefits:
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:
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.
*T&C Apply
Steps to Use:
Benefits:
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.
Steps to Use:
Best For:
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:
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.
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.
Answer: Give a missed call to 1800 180 2223 or 0120 2303090 from your registered mobile number.
Answer: Send an SMS in this format: BAL followed by your 16-digit account number to 5607040.
Answer: Yes, send “Hi” on WhatsApp to 92640 92640 and follow the steps.
Answer: Call 1800 180 2222 for help or balance enquiries.
Answer: Download the Punjab National Bank ONE app from your phone’s app store.
Answer: No, both services are free of cost.
Answer: Yes, if your Punjab National Bank account is linked to UPI, you can check your balance by entering your UPI PIN.
Answer: No, missed call and SMS services work without the internet.
Answer: Yes, most ATMs provide both balance enquiry and mini statement options.
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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