How to check bank balance without internet in phone?

How to check bank balance without internet? There are two ways. One is using Missed Call facility and another is dialing *99# from your phone. Shared the Missed Call Facility in my earlier post.Here we explain about the *99# facility.

*99# is a USSD based mobile banking service from NPCI that brings together Customers, Banks and
telecom companies. Using *99# service, a customer can access financial services by dialing *99# from his/her mobile redialing with the bank. The service works across all GSM service providers and handsets.

Features of *99# service

# Works without Internet – Uses voice connectivity.

# You can access through a common code *99# across all telecom service providers.

# No additional charges while roaming for using the service.

# Works across all GSM service providers and mobile handsets.

# Round the clock availability to customers (including holidays).

# No need to install any application on mobile handset to use the service.

# Available in 12 languages.

Services available under *99#

1) Non-Financial Services-

Balance Enquiry

Mini Statement

Generate OTP which can be used for different transactions as a second factor of authentication.

Generate or change MPIN or Mobile PIN is like a password and used for authenticating financial transactions.

Know your MMID (MMID is a 7 digit code issued by the bank to their customers for availing IMPS. MMID is issued to only to those customers whose preferred mobile number is registered with the bank. Different MMID’s can be linked to same Mobile Number (Please contact your bank for the issuance of MMID).

2) Financial Services-

Send Money Using MMID – User can transfer fund using MMID and Mobile number of the Beneficiary.

Send Money Using IFSC – User can transfer fund using IFS Code and Account number of the Beneficiary.

Send Money Using Aadhaar – User can transfer fund using Aadhaar number linked to the account of the Beneficiary.

3) Value Added Services-

QSAM (Query Service on Aadhaar Mapper) or *99*99#. 

How to check bank balance without internet?

# Dial *99# from your Mobile handset.

# Welcome screen will appear asking you to enter your bank’s 3 letters short name or first 4 letters of IFSC.

# After entering valid IFS Code or short name, the menu will appear with different options of available services enabled for your bank.

# Enter 1 for Balance Enquiry and submit.

# A confirmation screen will appear displaying the available balance.

How to generate bank mini statement without internet?

You can refer the same above image to generate the bank mini statement. The steps are as below.

# Dial *99# from your Mobile handset.

# Welcome screen will appear asking you to enter your bank’s 3 letters short name or first 4 letters of IFSC.

# After entering valid IFS Code or short name, the menu will appear with different options of available services enabled for your bank.

# Enter 2 for Mini Statement and submit.

# A confirmation screen will appear showing the mini-statement.

Same way you can use other facilities of non-financing services from the menu.

How to transfer fund without internet?

You can transfer the fund without internet in three ways and I will explain all process below.

1) Using MMID–

The steps are as below.

# Dial *99# from your Mobile handset.

# Welcome screen will appear asking you to enter your bank’s 3 letters short name or first 4 letters of IFSC.

# After entering valid IFS Code or short name, the menu will appear with different options of available services enabled for your bank.

# Enter 3 for Fund Transfer using MMID and Mobile Number and submit.

# Subsequent screen to enter the Beneficiary Mobile number, MMID, Amount, and Remarks (Optional) will appear.

# Enter MPIN and last 4 digits of the account number (Optional).

# A confirmation screen will appear showing success response.

2) Send money using IFSC Code-

You can transfer the fund using IFSC code and bank account of the beneficiary.

# Dial *99# from your Mobile handset.

# Welcome screen will appear asking you to enter your bank’s 3 letters short name or first 4 letters of IFSC.

# After entering valid IFS code or short name, the menu will appear with different options of available services enabled for your bank.

# Enter 4 for Fund Transfer using Account Number and IFSC and submit.

# Subsequent screen to enter Beneficiary Account Number, IFS Code, Amount and Remarks (Optional) will appear.

# Enter MPIN and last 4 digits of account number (Optional).

# A confirmation screen will appear showing success response.

3) Send money using Aadhaar number–

You can transfer the fund using Aadhaar number linked to bank accounts of the beneficiary.

# Dial *99# from your Mobile handset.

# NUUP welcome screen will appear asking you to enter your bank’s 3 letters short name or first 4 letters of IFSC.

# After entering valid IFS Code or short name, NUUP menu will appear with different options of available services enabled for your bank.

# Enter 5 for Fund Transfer using beneficiary Aadhaar number.

# Subsequent screen to enter Beneficiary Aadhaar Number will appear.

# Enter MPIN and last 4 digits of account number (Optional).

# A confirmation screen will appear showing success response.

Telecom service providers who support *99# service

BSNL

Airtel

Vodafone

Idea

MTNL

Aircel

Tata

Reliance

Uninor

Videocon

Quadrant

Languages supported by *99# service

English -*99#

Hindi-*99#22#

Marathi-*99#28#

Gujarati-*99#27#

Tamil-*99#23#

Kannada-*99#26#

Telugu-*99#24#

Punjabi-*99#30#

Bengali-*99#29#

Malayalam-*99#25#

Assamese-*99#31#

Oriya-*99#32#

Banks that support *99# service with Bank Codes and IFSC Code

Download the complete banks list (with shortcode and IFSC code) which support *99# serviceBanks IFSC code and Short name

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