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How to Check Bank of India balance using One’s Mobile Phone

Founded in 1906 and nationalised in 1969, Bank of India is currently one of the leading banks in the country and has over 5,000 branches spread across the country. Customers holding a savings account with Bank of India can carry all their banking services via the bank’s internet banking and mobile banking facilities - such as checking their account balance, making a fund transfer, paying utility bills, requesting for a mini-statement, and so on. For those customers that do not have a internet banking account, or due to some reason do not have internet connection, they can make use of the bank’s SMS and missed call service to check the balance in their account. In a cost effective manner, customers can know the balance in their account either by SMS or by making a missed call in just a few steps that will be mentioned below. In addition, customers can check the status of their check through the mobile services rolled out by Bank of India. Let’s discuss how one can check the balance in their account through the SMS and missed call service of Bank of India.

Steps to check Bank of India balance via the missed call service

Customers can follow the steps mentioned below to check their Bank of India balance through the missed call service:

  • Customers have to first ensure that their mobile number is registered with Bank of India to use this service.
  • Next, customers have to give a missed call to 09015135135.
  • As soon as they have done that, they will receive a message from the bank mentioning the balance in their bank account.
  • Provided customer has registered his/her phone number with Bank of India, he/she just has to miss call 09266135135.
  • As soon as he/she has done that, the bank will send a message stating the balance in one’s bank account.

Steps to activate the Bank of India SMS Banking service

Before using the SMS service to find out one’s account balance, Bank of India customers have to follow the steps to activate the SMS Banking service:

  • Customers can either the SMS banking service at the local bank branch holding their account or via the internet banking facility of Bank of India. For activating the service at the branch, the customer just has to fill in the required form, attest it and submit the form.
  • For the internet banking option of activating one’s SMS service, they should follow the steps mentioned below:
  • Login to your Bank of India net banking account using your username and password.
  • Click on the request menu and choose the BTM mobile banking tab.
  • Download the app, fill in the details and SMS “STAROTP” TO +919810558585.
  • Bank of India will now send you an OTP.
  • Enter the OTP and MPIN to activate the SMS service.

Steps to check Bank of India account balance via SMS

Once the Bank of India customer has activated the SMS service and registered his/her number with the bank, all that the customer has to do is SMS “BAL 1111” to 919810558585. If the customer has multiple accounts with Bank of India, then he/she will have to message BAL(space)Your SMS Password(space)Account Number to 919810558585.

Steps to check Bank of India cheque status via SMS

To check the Bank of India mini statement, the customer has to SMS CHQSTS (Space)SMS Password(space)Cheque Number to 919810558585.

Steps to change Bank of India password via SMS

To enhance the security of the account and change one’s password, the customer has to SMS CHGPWD(Space)Old Password(Space)New Password to 91-9810558585. As soon as the password has been changed, the customer will receive a message from the bank stating that the account password has been changed. Contact the bank if you have no asked for a password change.


  1. What are charges for the mobile service offered by Bank of India?

    Barring the SMS service, which has regular SMS charges from your service provider, there are no charges.

  2. When activating the Bank of India mobile service, can I change the MPIN or should I stick to the same MPIN always?

    No, for security reasons, you have to change the MPIN frequently, and you can change it as you please.

  3. Is it possible to make a fund transfer through the Bank of India SMS service?

    No, you can only carry out basic functions such as check your balance, request for a mini-statement, check a cheque status and so on, you cannot carry out a fund transfer through the Bank of India SMS service. However, you can use the Bank of India mobile banking app to carry out a fund transfer and other banking services.

  4. Is it possible to link two Bank of India accounts to the same mobile number?

    Yes, it is possible to link two Bank of India accounts to the same mobile number. There’s no such restriction set by the bank where you cannot do so.

  5. Can I carry out the service if I have failed to register by mobile number with Bank of India?

    No, to firstly carry out this service, it is absolutely required for you to first register your mobile number with Bank of India. Next, you will have to activate the SMS service of Bank Baroda either at the bank branch or via your internet banking account. Only once you have done the two aforementioned procedures can you facilitate the use of the Bank of India SMS service.

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