Banking

Simple guides for everyday banking problems in India: checking your balance without an app or internet, setting up UPI, fixing failed transactions and getting your money back. Where rules apply, we explain the RBI guidelines in plain language.

Check your balance

• Check bank balance without an app or internet (missed call, *99# USSD, WhatsApp)
• Check balance online with net banking and UPI apps

UPI and digital payments

• Set up UPI with a debit card or Aadhaar
• Use the RBI Digital Rupee (e₹) wallet

Failed transactions and refunds

• ATM failed but money debited
• UPI or card payment failed: refund timelines and complaints
• Reset your ATM PIN online

Never share your UPI PIN, OTP or card CVV with anyone, including people claiming to be from your bank.