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How to Check Central Bank of India Account Balance?

To check Central Bank of India Account balance the account holder is required to give a missed call to 9555244442 from the registered mobile number. The bank will instantly send an SMS containing the remaining bank account balance. This missed call balance inquiry number is valid all over India.

Sl No. Missed Call Alert Number Service
1. 09555244442 Balance Enquiry
2. 09555144441 Mini Statement

There are still seven methods to check your remaining bank account balance. Keep reading to know which are those.

The banks operating in India are trying hard to attract people to open their bank account with them. One of the banks’ most used methods is by offering a higher rate of interest than the other banks. But the public sector banks in India do not provide a higher rate of interest, but they offer an average interest rate on our deposits. At the same time, private banks are offering a much higher rate of interest.

But still, people have some trust issue with private banks. That is because of the things recently took place in India. I can quote the example of Yes Bank. Ultimately they were playing the public money. It was the money that was deposited by the people who hold bank accounts with them. Such kind of things affects the trust of people towards private banks. I am not telling you that all private banks are doing this. But this is what happened recently.

About Central Bank of India

Central Bank of India which is also referred to as CBI is one of the biggest public sector banks that is operating in India. The headquarters of this bank is situated in Mumbai, Maharashtra. Read further to learn more about this bank.

Type of Bank Public
Founded 21 December 1911
Headquarters Mumbai, Maharashtra
MD and CEO (May 2020) Tapan Ray
Non-executive chairman (May 2020) Pallav Mahapatra
Owner Government of India
Number of Branches (September 2019) 4,681
Number of ATMs (September 2019) 3,477
Number of Employees (2018) 37,162
Revenue (2018) ₹2,526.68 crore
Operating Income (2018) ₹2,733 crore
Net Income (2018) ₹-5,105 crore
Total Assets (2018) ₹326,225.28 crore
Capital Ratio (2018) 9.46%
Customer Care Phone Number 1800 22 1911
Website www.centralbankofindia.co.in

What is the Central Bank of India Account Balance?

When discussing the Central Bank of India Balance Enquiry, we need to understand the exact meaning of the term “Central Bank of India Account Balance.”

So let me tell you what it exactly means. It is nothing but the amount of money that is available in your bank account. In other words, it is the remaining amount of balance in your savings or current account, which can be withdrawn by you at any point of the time.

Here it would help if you understood that I am not talking about the bank overdraft you can take from the bank. That is because a bank overdraft can not be considered as the balance of your account. And in this article, you will find the ways to perform the Central Bank of India Balance Enquiry.

Methods of Central Bank of India Balance Enquiry

How to Check Central Bank of India Account Balance?

When it comes to checking the remaining balance in your Central Bank of India account, there are multiple methods that you can follow. I have mentioned all the ways which can be used, and now it is your choice to choose the process you feel is the right one for you.

All these methods mentioned above are explained in detail in the further part of this article. All you have to do is keep reading to learn all these methods one by one.

Using Missed Call Banking

Central Bank of India Missed Call Number to Check Balance

The first method and the fastest method to perform Central Bank of India balance enquiry is by giving a missed call. In this method, all you have to do is give a missed call to the bank’s phone number from your registered mobile number.

As soon as your call gets disconnected, you will receive an SMS containing your remaining account balance. But here you should make one thing sure. And that is you have to give the missed call from your registered mobile number only. If you use any other mobile number, then you will not receive any response from the bank.

Steps to Check Central Bank of India Account Balance by Missed Call:
  1. Give a missed call to 95552 44442 from your registered mobile number.
  2. Disconnect the call after two rings, and you will receive an SMS from the bank containing your account balance.

There is no need for separate registration for missed call banking. This service will be activated for all the bank accounts by default. And even if you don’t disconnect the call after two rings, it will be automatically disconnected.

Using SMS Banking

SMS to Check Central Bank of India Account Balance

If you don’t want to check your balance by missed call, then I have an alternative method. Here you have to send an SMS from your registered mobile number, and you will know your remaining account balance.

But unlike the missed call banking, you have to activate SMS banking for your bank account separately. Go to your home branch and submit an application letter asking the to activate SMS banking service on your bank account.

You should be addressing the Branch Manager in this letter. And the subject should be “Activation of SMS Banking Sevices.”

Once you submit the application letter, this service will be activated within two working days at maximum. In most cases, it will be enabled at the end of the day.

Steps to Check Central Bank of India Account Balance by SMS:
  1. Type BALAVL <space> Account Number <space> MPIN
  2. Mention your account number and MPIN.
  3. Send this SMS to 9967533228 from your registered mobile number.

When you send the SMS to 9967533228, the standard SMS charges may apply. If you have free SMS remaining, then you will not get charged by your telecom operator.

Central Bank of India SMS Banking Codes

SMS Banking is a really useful feature of the Central Bank of India. There are some predefined codes or keywords which you can use to retrieve certain information about your bank account. All you have to do is send the SMS in the predefined format from your registered mobile number.

This thing is just as explained to you in the steps to check your bank account balance by sending the SMS. But this is the full list of SMS banking codes of the CBI.

Sl No. SMS Format Description
1. BALAVL<space> A/c No <space> MPIN Balance Enquiry.
2. LATRAN <space> MPIN Last 5 Transactions.
3. LATRAN <space> A/c No <space> MPIN Last 5 Transactions of Other Accounts.
4. CHGPIN <space> New MPIN <space> Old MPIN Change Your Mobile Banking PIN.
5. CHQSTS <space> Cheque No <space> MPIN To check Status of Issued Cheque.
6. HELP Help on Usage.
7. MMID To Generate MMID.

You have to use these terminologies and send the SMS to 9967533228 from your registered mobile number.

Meaning of the SMS Banking Terminologies

Terminology or Format Meaning
BALAVL Balance Available.
LATARN Last Transaction.
MPIN Mobile Banking PIN.
CHGPIN Change Mobile Banking PIN.
CHQSTS Cheque Status.
MMID Mobile Money Identifier Number.

Using Internet Banking

Steps to Check Central Bank of India Balance Using Internet Banking

If you want an online method for the Central Bank of India Balance Enquiry, then using the internet banking is the best one. All you have to do is log in to your internet banking account and choose your bank account. The balance will be displayed to you on the screen.

But if you want to use this method, then the internet banking feature should be activated if you have not done that yet. Then you can register for internet banking on the official website of the bank. It will hardly take 5 minutes if you have all the things ready with you.

Steps to Check Central Bank of India Account Balance by SMS:
  1. Go to the official website of the Central Bank of India. (www.centralbankofindia.co.in/english/home.aspx)
  2. Click on Login → Internet Banking from the top right corner of the webpage.
  3. Enter your Username, Password, and click on the Login button.
  4. Choose your bank account to view the balance. (if you have multiple bank accounts)
Video Tutorial On How to Use CBI Internet Banking

Using ATM Machine

Using ATM Machine to Check CBI Account Balance

If you have an ATM Machine or Center near your location, you can use this method for the Central Bank of India Balance Enquiry. It does not matter which bank’s ATM Machine you are using in India. You can check your account balance.

For example, if you find the ATM Machine of Canara Bank, you can still use it to check your balance. It works even when your bank account is with a different bank.

But to use this method, you should have an activate ATM Card or Debit Card along with your four digits PIN Number. If you are using your card for the first time, you can have to use it with the Central Bank of India’s ATM only.

Steps to Check Central Bank of India Account Balance Using ATM Machine:
  1. Find any ATM machine which is near to your location.
  2. Insert your card into the machine and enter your four digits PIN Number.
  3. Select Balance Enquiry from the ATM screen.
  4. Now select the type of your bank account. (Savings Account or Current Account)
  5. Your bank account balance will be displayed to you on the screen.

Using Bank Passbook

Using Passbook to Check CBI Account Balance

You can make use of your Central Bank of India bank passbook to check your remaining balance. But to use this method you have to personally move out of your place.

This method is the one which will consume a lot of your time. Because, you have to find your bank passbook, go to your home branch, stand in the passbook printing queue, and get it printed.

You have to visit your home branch and get your bank passbook printed. For more detailed instructions about using this method are mentioned below.

Steps to Check Central Bank of India Account Balance Using Bank Passbook:
  1. Go to your home branch with your bank passbook.
  2. Once you are in your home branch submit your bank passbook for printing.
  3. Tell the bank officials the period of time of which you want the data to be printed.
  4. Collect your bank passbook once it is printed and look for your remaining balance.

Using Mobile Banking Application

Using Mobile Banking to Check CBI Account Balance

This is a really handy method to keep track of the transactions taking place in your bank account. If you install and setup the mobile banking application on your smartphone. Then you can have access to your bank account anywhere, anytime through this application. And I personally recommend you to install the official mobile banking application on your smartphone.

Steps to Check Central Bank of India Account Balance Using Mobile Banking:
  1. Download and install the Cent Mobile application on your smartphone.
  2. Once installed open the application.
  3. Enter your username, password, and click on the Login Button.
  4. Tap on the Accounts icon.
  5. Select your bank account and your account balance will be displayed to you on the screen.
Video Tutorial on How to Use CBI Mobile Banking

List of Official Mobile Banking Applications of CBI

These are the mobile banking applications that are developed and published by the Central Bank of India. Whenever you want to install the mobile banking applications you should make sure that you install it from the official sources. You should always avoid downloading and installing mobile banking applications from third-party sources.

The applications which are listed below are published by the bank itself so you can use these links to safely install the application on your smartphone.

Sl No. Application Name Official Installation Link
1. Cent Mobile (Recommended for Android Users) Install Cent Mobile
2. Cent Digi Pay Install Cent Digi Pay
3. Cent Swa-Darpan Install Swa-Darpan
4. BHIM Cent UPI Install BHIM Cent UPI
5. Cent mPOS Install Cent mPOS
6. Cent m-Passbook Install Cent m-Passbook
7. Cent Mobile iOS (Recommended for iOS Users) Install Cent Mobile for iOS
8. Cent m-Passbook iOS Install Cent m-Passbook for iOS
9. BHIM Cent UPI iOS Install BHIM Cent UPI for iOS

By Calling Customer Care

Checking CBI Account Balance By Calling Customer Care

You can know your remaining account balance by calling the customer care of CBI as well. If you wish you can talk to the customer care executive or even use the IVR options to listen to your remaining account balance. The detailed step by step information is mentioned below.

Steps to Check Central Bank of India Account Balance By Calling Customer Care:
  1. Call the customer care of CBI on their toll-free number: 1800 22 1911.
  2. Select the language in which you would like to proceed.
  3. Now you have to select the IVR option to know your bank account balance.
  4. The IVR system will speak out the remaining amount of balance in your CBI account.

Customer Care Phone Numbers of Central Bank of India

These are the details of the customer care phone numbers of the Central Bank of India you can use to contact the customer care of the bank.

Sl No. Contact Number Description
1. 1800 110 001 National Toll-free Number 1.
2. 1800 180 1111 National Toll-free Number 2.
3. 1800 22 1911 For Customer Related Assistance.
4. 1800 222 368 CBI’s Credit Card Related Assistance.
5. 022-66387737 CBI’s Credit Card Related Assistance. (STD Chargeable)
6. 022 49197323 If CBI’s Debit Card is Not Working.
7. 022 49197314 /15 For failed transactions in ATM/POS Machine/Online.
8. 022-61648613 For Failed Transactions or Reversal Transactions.
9. 022 – 22617896 For Public Complaints.

Customer Care Email Addresses of CBI

Here are the Email Addresses which can be used to contact the customer care of the Central Bank of India. All the Email Addresses are taken from the official website of the bank.

Email Address Description
[email protected] Debit Card Hotlisting Email Address 1
[email protected] Debit Card Hotlisting Email Address 2
[email protected] Debit Card Hotlisting Email Address 3
[email protected] For Failed ATM Card Transactions.
[email protected] Help for Digital Transactions.
[email protected] For Technical UPI Support.
[email protected] For Failed UPI Transactions.
[email protected] For Public Complaints.
[email protected] PMJDY Grievance Redressal

Using UPI

Checking Central Bank of India Account Balance using UPI

UPI is one of the wonders which the whole banking world in India has experienced. I would say that the unified payment interface is the best thing our Indian banking system has got to offer. You can also make use of the UPI to check your remaining account balance.

There are too many mobile applications that are running on UPI. Some of the examples are PhonePe, Google Pay, PayTM, etc.  If you wish you can also use the official UPI based application of the Central Bank of India. (BHIM Cent UPI)

Steps to Check Central Bank of India Account Balance using UPI
  1. Download and Install the UPI application of your choice.
  2. Choose your SIM Card whose number is registered with your bank account.
  3. Select the Central Bank of India from the list of the banks in the UPI application.
  4. The application will send an SMS from your registered mobile number to initiate UPI registration.
  5. Once you have registered your bank account in the application tap on the view account balance.
  6. Enter your UPI PIN number and the balance will be displayed on your smartphone’s screen.

List of Recommended UPI Applications

When we look at the list of the UPI mobile applications we have simply too many of them listed on the Google PlayStore and iTunes Store. I have collected the applications which are most recommended below. You can choose any one of them for your personal use.

UPI Mobile Application Name Installation Link for Android Users Installation Link for iOS Users
BHIM UPI BHIM UPI for Android BHIM UPI for iOS
PhonePe PhonePe for Android PhonePe for iOS
PayTM PayTM for Android PayTM for iOS
Google Pay Google Pay for Android Google Pay for iOS
Mobikwik Mobikwik UPI for Android Mobikwik for iOS
Amazon Pay (Amazon Shopping) Amazon Pay for Android Amazon Pay for iOS
Video Tutorial on How to Setup UPI

UPI Transaction Limits of Central Bank of India

When you are using any of the UPI applications to carry out the transactions from your bank account, you should also know the limits. So here are the UPI transaction limits of Central Bank of India as on 19/05/2020. You can read the source of this information by following this link.

Particulars Maximum Limit
Maximum Transaction Amount Per Transaction Rs. 20,000
Number of Maximum Transactions Per Day 20
Maximum Transaction Amour Per Day Rs. 40,000

Conclusion

These are the 8 methods that you can follow to check Central Bank of India account balance. I hope you are clear with all the information that is mentioned in this article. Every single information you should know about the bank and the procedure to check the balance is mentioned here. But still, if you are facing any difficulties then you can call the customer care of CBI on their toll-free number: 1800 22 1911.

FAQ: Frequently Asked Questions

How Can I Check My CBI Account Balance by Missed Call?

To check your CBI account balance by missed call, you have to dial 95552 44442 from your registered mobile number. The call will automatically be disconnected, and you will get details about your balance.

Will Bank Charge me to Check My Account Balance?

In most cases, no, the bank will not charge you to check your account balance. But if you are doing to very often like say you are using ATM card too much to check your balance from other bank ATMs, then the bank will charge you for that.

Can I use Other Bank ATMs to Check Account Balance?

Yes, you can use the ATMs of any bank which is operating in India.

How Can I Install Mobile Banking Application of CBI?

While installing the mobile banking application, you should always make sure that you are installing it from the official sources. Third-party sources should be avoided. If you are an Android user, then you can install it from Google Play Store. And if you are an iOS user, then you can install it from the iTunes Store.

Will Bank Charge me For Using Internet Banking?

No, the Central Bank of India will not charge you anything if you are using internet banking services to check your bank account balance. This service is free of cost to all the people who have their accounts with CBI.

Which is the Recommended Mobile Banking Application of CBI?

The recommended mobile banking application of the Central Bank of India is Cent Mobile. You can find it on Google Play Store as well as iTunes Store.

Will CBI Charge me to Use UPI?

No, the bank will not charge you anything if you are using UPI for your bank account. But certain limits are applied to you while using the UPI.

How Much is the Maximum UPI Transaction Limit of Central Bank of India?

The maximum amount of transactions you can initiate using UPI is Rs. 20,000 per transaction and the maximum amount per day is Rs. 40,000.

How May UPI Transactions Can I Make in Central Bank of India?

You are allowed to perform 20 UPI transactions per day in your Central Bank of India Account. The total amount of all these 20 transactions can not exceed Rs. 40,000 per day.

Where is the Headquarters of Central Bank of India?

The headquarters of CBI is in Mumbai, Maharashtra.

Who is the Owner of the Central Bank of India?

Central Bank of India is a public sector bank, which means it is owned and operated by the Government of India.

When was the Central Bank of India Founded?

CBI was founded on 21 December 1911.

How Many Branches CBI Has?

As of September 2019, the Central Bank of India has 4,618 branches.

How Many ATMs CBI Has?

As of September 2019, the Central Bank of India has 3,477 ATMs.

How Many Employees are Working for the Central Bank of India?

As of 2018, 37,162 Employees are working for the Central Bank of India.

What is the Capital Ratio of CBI?

The capital ratio of CBI as of 2018 is 9.46%

What is Toll-free Customer Care Number of CBI?

1800 22 1911

Which is the Official Website of CBI?

www.centralbankofindia.co.in