Somya, a freelance fashion designer from Rohtak, one day she received an unexpected call from her landlord. He informed her that the rent transfer of ₹10,500 had failed due to insufficient funds in her Saraswat Bank account. Shocked, Somya immediately checked her balance and realised that an unauthorised transaction of ₹4,800 had drained her account a week ago. If only she had checked her balance sooner, she could have detected the fraud and taken action immediately.

Like Somya, many of us neglect regular balance checks until a financial situation forces us to pay attention. Keeping track of your account balance isn’t just about knowing how much money you have, it’s about spotting errors, preventing fraud, and managing your finances wisely.

In this guide, we’ll explore all the safe and official ways to check your Saraswat Bank account balance. Stay informed and in control of your money at all times.

Saraswat Bank Balance Enquiry Method | Balance Check Number / Link

Saraswat Bank Balance Enquiry Method	Balance Check Number / Link
By Giving a Missed Call (Toll-free)	9223040000
Via SMS	BAL <Last 4 digits of A/C> to 9223040000
On WhatsApp	9029059271
Internet Banking	Saraswat Bank's official Internet banking website
Mobile Banking	Saraswat Bank Mobile App Saraswat Bank Nanban App Saraswat Bank mPassbook App
Customer Care	1800229999 (Toll-free)

Different ways to check your Saraswat Bank account balance

Did you know there are various ways through which you can check your bank balance, other than just checking it through your mobile applications?

Below is a list of some of the ways through which you can check your balance seamlessly. These are some of the ways that provide you access to your Saraswat Bank balance even if you are away from the internet.

Missed Call
SMS
Toll-Free Number
Mobile Banking
Net Banking
WhatsApp Banking
Through ATM
The Nearest Branch
Third-Party Apps

Let’s look at each of them individually, step by step, to make sure that checking your bank balance is no longer a difficult task.

Saraswat Bank Balance Check Through Missed Call

Step 1: Dial the Saraswat Bank balance enquiry number at 9223040000 from your registered phone number.

Step 2: After a few rings, the call will disconnect automatically.

Step 3: You will receive an SMS shortly with your account balance information.

Note: This feature only works if the phone number is linked to your Saraswat Bank account.

Saraswat Bank Balance Check Through SMS

Saraswat Bank's SMS banking service allows you to view your account balance instantaneously without the need for an internet connection. You only need your mobile phone and your registered mobile number.

Step 1: Write a new SMS.

Open the messaging app on your phone and compose a new message.

Step 2: Enter SMS Format

In the message body, type the following command.
Write BAL <space>. The last four digits of your account number.

Step 3: Send the SMS

Send the message to the official Saraswat Bank SMS banking number: 9223040000

Step 4: Receive balance information.

You will receive an SMS from Saraswat Bank within a few seconds with the available balance in your account linked to the phone number you used.

Important Notes:

This feature will only work if the number of your phone is registered with the bank.
Standard SMS charges may apply based on your mobile service provider.
Make sure the last four digits you enter are correct, or the system might not respond with the necessary information.
Using this SMS feature is very beneficial when you don't have an internet connection or are travelling and need a quick update on your account balance.

Saraswat Bank Balance Check Through Toll-Free Number

Saraswat Bank provides a toll-free customer service number for balance enquiries and other banking-related needs. This service can be very useful if you do not have internet access or prefer voice-based support.

Step 1: Call the Toll-Free Number

Call the official Saraswat Bank toll-free customer care number: 1800229999

This number is available 24/7 and is free of charge from any registered mobile number within India.

Step 2: Select Language Preference

After connecting, you will be invited to select your chosen language (such as English, Hindi, or a regional language). Follow the voice instructions to pick the language using your phone's keypad.

Step 3: Select the Balance Enquiry option.

Once you've chosen your language, the IVR (Interactive Voice Response) system will present you with some banking-related alternatives. Listen closely and press the relevant key (typically "1" for balance enquiry) as directed by the system.

Step 4: Verify your identity (if prompted).

To verify your account, you may need to provide the last four digits of your account number.
Your client ID or
A validation of the registered mobile number.

This step is part of the security routine to keep your information safe.

Step 5: Find out Your Account Balance

After successful verification, the system will read aloud your account balance. For privacy and clarity, make sure you are in a quiet environment or are wearing headphones.

Additional Support

If you require additional assistance or have questions beyond balance enquiries, you can choose to speak with a customer service representative from the same call menu.

Saraswat Bank Balance Check Via Mobile Banking

Saraswat Bank offers a secure and user-friendly mobile banking app called Saraswat Bank Mobile. This app allows customers to manage their accounts, transfer funds, and check balances directly from their smartphones.

Step 1: Download the Saraswat Bank Mobile App.

Go to the Google Play Store (Android) or Apple App Store (iPhone).
Check for "Saraswat Bank Mobile" (created by Saraswat Bank).
Download and install the official app on your device.

Step 2: Register on the app.

After the installation is completed, launch the Saraswat Bank Mobile app.
Grant any essential permissions, such as SMS and phone access.
Please enter your registered cellphone number.
The software will automatically discover and validate the SIM card associated with your account using OTP.
Once verified, proceed to set up your MPIN (Mobile Banking PIN) for future logins.

Step 3: Log In to Your Account

Open the app and log in with the MPIN you made.
If this is your first visit, you may be asked to set a few security questions or authenticate with your debit card information for enhanced security.

Step 4: Go to Account Summary

Once you've logged in, navigate to the "Accounts" or "Account Summary" section.
You'll see a list of all associated accounts.

Step 5: Check Balance

To check your balance, tap on the account number or balance field.
The app will show your current balance, account number, and account type.
You may also be able to access your mini statement and recent transactions from this section.

Additional Features Available in the Saraswat Bank Mobile App:

View and download account statements.
Examine fixed deposits and loan details.
Execute fund transfers (NEFT/IMPS).
Pay bills and recharge phone numbers.

Important Tips:

Ensure your mobile number is registered with Saraswat Bank for mobile banking.
Always use the official app to avoid fraudulent or phishing efforts.
Keep your MPIN and other credentials secret.

Saraswat Bank Balance Check Through Net Banking

Saraswat Bank provides its customers with a safe and user-friendly internet banking portal. You can access your account balance, transaction history, and other information from any location and at any time.

Step 1: Go to the official net banking website

Access the official Saraswat Bank Net Banking portal.

Step 2: Choose the Type of User

On the website, select "Continue to Login" from the "Personal Banking" or "Corporate Banking" option, depending on the type of account you have.

Step 3: Enter Login Credentials

You'll be sent to the login page.
Enter your User ID and Login Password.
Fill out the CAPTCHA if requested.
To proceed, simply click Login.

Step 4: Access Account Information

Once logged in, you will be directed to your dashboard or account summary page.
Choose the "Accounts" section from the top menu.
Choose your active account from the list that appears.

Step 5: View Balance Details

This screen will reveal your available balance, account number, and account type.
You can also check the most recent transactions or download a mini-statement as needed.

Step 6: Log Out Safely

Once you've checked your balance, always log out of your session by clicking the "Logout" button in the top right corner.
To keep your account secure, avoid closing the browser directly.

Saraswat Bank Balance Check Through WhatsApp Banking

Saraswat Bank has developed WhatsApp Financial, which allows clients to undertake basic financial operations such as balance enquiries, mini statements, and more directly through WhatsApp.

Step 1: Save the Saraswat Bank’s Official WhatsApp Number

Save the official WhatsApp Banking number to your contacts: 9029059271
This number is designated by the Saraswat Bank for WhatsApp Banking and is safe to use for balance enquiries and other supported services.

Step 2: Open WhatsApp and Start a Chat

Open WhatsApp on your phone.
Search for the contact “Saraswat Bank WhatsApp Banking”.
Start a new chat by typing “Hi” or “Hello” and send the message.

Step 3: Select the Balance Enquiry option.

After you send the initial message, Saraswat Bank will automatically respond with a list of available services.
Reply with the proper number or keyword for "Balance Enquiry" (for example, type and send 1 if balance query is provided as an option).

Step 4: Verify your identity.

You may be prompted to verify your identification by entering the last four digits of your account number or by completing a short verification process.
This ensures that your balance is only disclosed to the correct account holder.

Step 5: Receive your account balance.

Once your identification has been validated, Saraswat Bank will send your current account balance over WhatsApp in a secure format.
Depending on the option you select, the message will reveal your account balance as well as the previous several transactions.

Key Points to Remember:

To use WhatsApp Banking, ensure that your phone number is registered with your Saraswat Bank account.
Never send your OTP, PIN, or private information via WhatsApp; Saraswat Bank will never ask for it.
This service is free and available 24/7.

Saraswat Bank Balance Check via ATM

Checking your account balance through an ATM is one of the simplest and secure options, especially if you're not familiar with mobile or internet banking.

Step 1: Visit an ATM

Go to the nearest Saraswat Bank ATM or any ATM that accepts your Saraswat Bank debit card, including those belonging to other banks within the shared ATM network.

Step 2: Insert Your Debit Card

Insert your Saraswat Bank debit card into the card slot of the ATM.

Step 3: Select Your Preferred Language

Select your favourite language (often English, Hindi, or a regional language) from the selections on the screen.

Step 4: Enter your 4-digit ATM PIN on the keypad.

To ensure security, make sure no one is looking when you input the PIN.

Step 5: Select "Balance Enquiry".

From the main menu, select "Balance Enquiry" or "Check Balance". The actual words may differ significantly depending on the ATM.

Step 6: Check or print your balance.

The screen will show your available account balance.
You will also be offered the option to print a receipt. Choose carefully.

Step 7: Complete or exit the transaction.

Once you've checked your balance, click the option to cancel the transaction and wait for your card to be ejected.

Step 8: Collect Your Card

Don’t forget to collect your debit card from the machine before leaving.

Important Tips:

Always use ATMS in safe and well-lit areas.
Protect the keypad when typing your PIN.
If the machine does not return your card or looks to be malfunctioning, please call your bank immediately.

Saraswat Bank Balance Check by Visiting the Nearest Branch

You can simply check your account balance by going to the closest Saraswat Bank branch if you prefer in-person banking or do not have access to digital alternatives. Here's how.

Step 1: Find the nearest Saraswat Bank Branch.

To discover the branch nearest to your location, use a map app or go to the official Saraswat Bank website.
You can also contact the bank's customer service at 1800229999 to confirm the branch location and operating hours.

Step 2: Carry valid identification

Always carry a government-issued picture ID (such as an Aadhaar card, PAN card, voter ID, or driver's license).
Also, bring your Saraswat Bank passbook or debit card for faster verification.

Step 3: Visit During Banking Hours

Most Saraswat Bank branches are open from 10:00 a.m. to 4:00 p.m., Monday through Saturday (except the second and fourth Saturdays and public holidays).
It's advisable to go earlier in the day to prevent long queues.

Step 4: Approach the Help Desk or Counter

Once you reach the branch, proceed to the customer service desk or a banking counter.
Inform the bank person that you'd like to check your account balance.

Step 5: Verify Your Identity

The staff may inquire about your account number or request that you provide a valid ID or passbook for verification.
They will process your request after they validate your identification.

Additional Tips:

If you visit the branch frequently, be sure to maintain your passbook up to date.
Visit during non-peak hours and bring all relevant documents.

This approach is especially beneficial for senior adults or anyone unfamiliar with the internet or mobile banking services.

Saraswat Bank Balance Check by Third-Party Apps

The Saraswat Bank official mobile app is a secure and easy way to check your balance and perform other banking activities.

1. Saraswat Bank Balance Check via PhonePe

PhonePe is one of India's most popular payment platforms, allowing users to instantly link their bank accounts and check balances.

Step-by-Step Process:

Open the PhonePe App:

Download PhonePe from Google Play or the Apple App Store.
Open the app and sign in with your mobile device.

Link Your Saraswat Bank Account:

Go to the app's "Bank Accounts" section and enter your account number and IFSC code to link your Saraswat Bank account if you haven't previously.

Check the Account Balance:

After linking the accounts, tap 'My Money' and then 'Bank Accounts'.
Select your Saraswat Bank account to see your current balance.

Balance Update:
- Your Saraswat Bank account balance will be displayed in real-time under the account section.

2. Saraswat Bank Balance Check via Google Pay

Google Pay allows users to check their bank balance directly from the app, as long as the bank is supported.

Step-by-Step Process:

Open the Google Pay App:
- If you don't already have Google Pay, get it from the Google Play Store or the Apple App Store.
- Open the app and log in with your Google account linked to your mobile number.
Link Your Saraswat Bank Account:
- Go to the ‘Bank Accounts’ section in the app.
- Add your Saraswat Bank account by clicking ‘Add Bank Account’ and selecting Saraswat Bank from the list of available banks.
- Follow the prompts to connect your Saraswat Bank account to Google Pay.
Check the Account Balance:
- After successfully linking the accounts, your Saraswat Bank account will be listed under 'Bank Accounts'.
- Tap on your Saraswat Bank account to view your balance.
Balance Inquiry:
- Your current Saraswat Bank account balance will appear instantaneously.

3. Saraswat Bank Balance Check via Paytm

Paytm is another popular app that allows you to link your Saraswat Bank account and view your balance.

Open the Paytm app.

If you don't already have Paytm, download it from the Google Play Store or the Apple App Store.
Log in using your mobile phone number.

Link Your Saraswat Bank Account:
- In the app's 'Passbook' area, select 'Bank Accounts'.
- Select 'Add Bank Account' and then select Saraswat Bank from the list.
- To link your Saraswat Bank account, enter your account number and IFSC code.
Check the Account Balance:

Once the account has been properly linked, navigate to 'Passbook' in the app and choose your Saraswat Bank account to see the balance.

View Real-Time Balance:

Your Saraswat Bank account balance will be displayed in real-time.

Conclusion

Reviewing your Saraswat Bank account balance is important for staying on top of your finances. Fortunately, Saraswat Bank provides several secure and simple means for checking your balance, including missed calls, SMS banking, toll-free numbers, mobile banking apps, and much more. Using these simple options can make your life much easier and will keep you informed about your account balance and prevent you from any mishap.

So, take some time today to decide which strategy suits you the best, and keep your financial health in your control! Before it’s too late.

FAQs Related to Saraswat Bank Balance Check

Is it required to register for mobile banking before using missed call balance service?

No. You only need to have your mobile number registered with Saraswat Bank. You

Can I use net banking to examine account balances for multiple Saraswat Bank accounts?

Yes, if multiple Saraswat Bank accounts are linked under one customer ID, you can access them all with a single login using Saraswat Bank's Net Banking platform.

Is it possible to verify the balance of a Saraswat Bank account at a branch without providing any documents?

To check your balance in a branch, you must provide your Saraswat Bank passbook, debit card, or a valid photo ID for verification.

Can I check the balance of my Saraswat Bank Fixed Deposit (FD) via missed call or SMS?

No, you cannot check the balance of a Fixed Deposit using missed calls or SMS. To obtain FD information, use the Saraswat Bank mobile app or Net Banking.

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