HDFC Account Balance Check: 6 Easy Ways

Checking your HDFC Bank account balance is quick and free. Whether you have a smartphone or a basic phone, there's a method for everyone. Here are 6 ways to check your HDFC Bank balance — from a simple missed call to NetBanking.

Disclaimer: CitizenNest is an independent guide and not affiliated with HDFC Bank. Verify details on the official HDFC Bank website.

Method 1: Missed Call (Fastest — No Internet Needed)

This is the simplest method. Works on any phone.

1. From your registered mobile number, give a missed call to:
   • 1800-270-3355 (toll-free) — for account balance
   • 1800-270-3355 — same number works for balance
2. The call will auto-disconnect after 1–2 rings
3. You'll receive an SMS with your account balance within seconds

For Mini Statement (last 5 transactions):

• Give a missed call to 1800-270-3355 from your registered number

Note: This only works from the mobile number registered with your HDFC Bank account.

Method 2: SMS Banking (No Internet Needed)

Send an SMS from your registered mobile number to 5676712:

Example: Send BAL to 5676712

You'll receive a reply SMS with your current balance within minutes. Standard SMS charges may apply.

Method 3: HDFC Mobile Banking App (Most Detailed)

1. Open the HDFC Bank Mobile Banking app on your smartphone
2. Login with MPIN, fingerprint, or Face ID
3. Your account balance is displayed on the dashboard immediately after login
4. Tap on the account to see:
   • Available balance
   • Current balance
   • Recent transactions
   • Mini statement
   • Detailed statement (downloadable)

Bonus: The app also shows FD, RD, loan, and credit card details in one place.

If the app isn't working, see our HDFC Mobile Banking fix guide.

Method 4: NetBanking (Full Statement Access)

1. Visit HDFC NetBanking
2. Login with your Customer ID and password
3. Go to Accounts → Savings Account → Account Summary
4. Your balance is shown along with recent transactions
5. Download full bank statement in PDF/Excel for any date range

First time? Register for NetBanking by visiting an HDFC branch or using the mobile app to generate NetBanking credentials.

Method 5: ATM Balance Enquiry

1. Visit any HDFC Bank ATM (or any bank ATM via National Financial Switch)
2. Insert your HDFC debit card
3. Enter your 4-digit ATM PIN
4. Select "Balance Enquiry"
5. Choose Savings Account or Current Account
6. Your balance is displayed on screen and a printed slip is optional

Charges:

• Free at HDFC Bank ATMs (5 transactions/month in metro, 3 in non-metro after March 2022 RBI guidelines)
• ₹21 + GST after free limit at non-HDFC ATMs

Method 6: USSD Banking (*99#) — Works Without Internet

This works on any phone (even basic/feature phones) without internet:

1. Dial *99# from your registered mobile number
2. Select your bank — enter HDFC or bank code 016
3. Select "Balance Enquiry" from the menu
4. Enter your UPI PIN (set this up first if you haven't)
5. Your balance is displayed on screen

To set up USSD banking:

• You need a UPI PIN linked to your HDFC account
• Set it up via any UPI app (BHIM, Google Pay, PhonePe) first

Note: USSD charges may apply (₹0.50 per session as per NPCI guidelines). Works even without smartphone or internet.

Quick Comparison of All Methods

How to Get HDFC Bank Statement

Beyond just balance, if you need a detailed statement:

1. Mobile App: Accounts → Statement → Select date range → Download PDF
2. NetBanking: Accounts → Statement → Choose format (PDF/Excel/CSV)
3. Email Request: Some accounts have auto-email statement facility
4. Branch: Visit with ID proof for stamped physical statement

Important Tips

1. Register your mobile number — All non-internet methods (missed call, SMS, USSD) only work from the mobile number registered with your HDFC Bank account
2. Check available balance, not current balance — Available balance excludes any holds or cheques under clearing
3. Use missed call for quick checks — It's the fastest method and completely free
4. Download statements before financial year end — Keep yearly statements saved for ITR filing
5. Set up balance alerts — Via NetBanking, enable SMS alerts for every debit/credit transaction for real-time tracking

Frequently Asked Questions

Q1. What is the HDFC Bank balance check missed call number?

Give a missed call to 1800-270-3355 from your registered mobile number. You'll receive an SMS with your account balance within seconds.

Q2. How to check HDFC Bank balance without ATM card?

Use missed call (1800-270-3355), SMS (send BAL to 5676712), mobile app, NetBanking, or USSD (*99#). Only ATM requires a physical card.

Q3. Can I check HDFC balance from a non-registered mobile number?

No, missed call and SMS methods only work from the mobile number registered with your HDFC Bank account. Use NetBanking or visit an ATM/branch instead.

Q4. How to register mobile number for HDFC SMS banking?

Visit any HDFC Bank branch with your Aadhaar and PAN card to register or update your mobile number. This cannot be done online for security.

Q5. Is there a charge for HDFC balance enquiry via SMS?

HDFC Bank doesn't charge for the service, but your telecom operator may charge standard SMS rates (typically ₹1–₹1.50 per SMS).

Q6. How to check HDFC Bank mini statement?

Send MINI to 5676712 from your registered number, or use the mobile app/NetBanking for the last 5–10 transactions.

Q7. Can I check HDFC FD balance via missed call?

Missed call gives only savings/current account balance. For FD balance, use the HDFC Mobile Banking app or NetBanking where all deposits are shown.

Last updated: March 2026. Information sourced from HDFC Bank's official website. Service numbers and features may change — verify on hdfcbank.com.