How to Check Indian Overseas Bank Account balance?

Indian Overseas Bank is a major player in the public sector financial banking in India. It has 3400+ bank branches all over India. IOB has a network of about 3300 ATMs all over India. The bank has achieved 100% networking status as well as 100% CBS status for its branches.  

Indian Overseas Bank provides Account Balance check by following ways.

  • Missed Call Number
  • SMS Banking
  • Net banking
  • Indian Overseas Bank App
  • USSD Code
  • Passbook Update

Indian Overseas Bank Missed Call Banking

Indian Overseas Bank provides a free to use service that offers their customers to give a missed call to the toll-free number 9210622122 and get their account balance details via SMS on their registered mobile number.

Indian Overseas bank balance check

Indian Overseas Bank Account Balance Check by SMS

The SMS service offered by Indian Overseas Bank works by registering your mobile number with the account number and sending the SMS to 84240 22122.

TransactionTag Description
Balance enquiryBAL <space> last 4 digit Account Number e.g: BALĀ  1234
Mini StatementMINI <space> last 4 digit Account Number e.g: MINIĀ  1234
Get your MMIDMMID

Indian Overseas Bank App

Indian Overseas Bank App is free and can be downloaded from the app store. This app does not require any internet connection it works on via SMS or missed call.

Indian Overseas Bank Net Banking

Indian Overseas Bank through their internet services provides a net banking facility with many other features. You can check Indian Overseas Bank Account balance by login to Indian Overseas Bank net banking.

Check Indian Overseas Bank Balance by ATM

ATM Machines provides free balance check facilities. You can use it in any bank ATM, all the bank ATM Machines can be used to check the balance.

How to Check the Balance?

  1. Insert your ATM card into an ATM- Machines will allow you to check your balance for free.
  2. Type in your PIN on the machine- A four-digit number you should have set up when you opened your account.
  3. Select the option to view your balance- You will be able to go back and make a withdrawal or print that balance.

Indian Overseas Bank USSD Code

Indian Overseas Bank offers a USSD Code Balance check by dialing *99# and pressing the call button. After calling, a screen will appear with options to choose from. Choose the options and press the number in the empty box to enable that service. Balance check is one of the options on the menu.

Minimum Balance Required for Indian Overseas Bank

The minimum balance required for Indian overseas account is different for a different account and it also depends on the geographical location.

For an account with cheque book facility:

  • For Rural and Semi-Urban branches the minimum balance required is Rs.500/-
  • For Urban and Metro areas the minimum balance required is Rs.1000/-

For account without cheque book facility:

  • For Rural and Semi-Urban branches the minimum balance required is Rs.250/-
  • For Urban and Metro areas the minimum balance required is Rs.500/-

For pensioner account the minimum balance for an account with cheque book facility is Rs.250/- and for non-cheque book facility, it is Rs.5/-

The penalty on the non-maintenance of the account is Rs.7 per month for Rural and Semi-Urban, and Rs.14 for Urban and Metros. For Pensioners, the penalty will be the same.