Table of Contents
Whether you live right next to a branch or miles away in a village, Uttar Bihar Gramin Bank (UBGB) gives you simple, reliable options to keep an eye on your money. Below is a clear, no-jargon guide to the five official ways you can check your balance—plus what you’ll need, quick tips, and common fixes if something doesn’t work the first time.
What you’ll need (at a glance)
- Your UBGB account number (keep it handy for branch/Bank Mitra/AEPS)
- Registered mobile number (for the missed-call/SMS method)
- ATM/RuPay debit card + PIN (for ATM balance enquiry)
- Aadhaar card with Aadhaar–bank seeding and biometric (fingerprint) ready (for AEPS)
- A little time and, ideally, privacy when entering PINs or sharing details
1) Visit your UBGB Branch (the classic way)
Best when: you’re near a branch, need personal help, or want to update your passbook.
How it works
- Go to your nearest Uttar Bihar Gramin Bank branch during banking hours.
- Carry your passbook and a valid ID if asked.
- Request a balance enquiry or ask for a passbook update at the counter.
Pros
- Human assistance for any related questions
- Passbook printing gives a permanent record (great for visas, subsidies, or loans)
Good to know
- Peak hours can be busy. If you only want the balance, consider the missed-call or ATM method for speed.
2) Use any UBGB-affiliated ATM (fast and familiar)
Best when: you have your debit card and PIN, and an ATM is nearby.
How it works
- Insert your UBGB ATM/RuPay card.
- Enter your PIN privately.
- Choose “Balance Enquiry.”
- View the balance on screen; many ATMs offer a mini statement too.
Pros
- 24×7 availability
- Quick, paper receipt often available
Tips & fixes
- Wrong PIN? Three wrong tries can block the card. If blocked, visit your branch for a reset.
- Card errors? Try another ATM. If it persists, contact your branch to check card status.
- Privacy: Shield the keypad; never accept help from strangers.
3) AEPS (Aadhaar Enabled Payment System) at a BC point
Best when: you don’t have a card, but your Aadhaar is linked to your UBGB account and you can reach a Banking Correspondent (BC)/business correspondent.
What to carry
- Aadhaar number and original Aadhaar card
- Your bank name (Uttar Bihar Gramin Bank)
How it works
- Visit a nearby BC/Bank Mitra who supports AEPS.
- Provide your Aadhaar number and select UBGB as the bank.
- Choose “Balance Enquiry.”
- Authenticate with your fingerprint scan on the BC’s device.
- The system shows (and often prints) your balance.
Pros
- Works without a debit card or PIN
- Useful in rural areas with active BC outlets
Tips & fixes
- Aadhaar not linked? Ask your branch to seed Aadhaar with your account first.
- Biometric mismatch? Wash/dry hands and retry; if still failing, visit the branch for help.
4) Visit a Bank Mitra (Customer Service Point)
Best when: you want help locally but not at a full branch.
How it works
- Find your nearest Bank Mitra/BC (often at village kiosks, shops, or CSCs).
- Provide your account details; for AEPS, give Aadhaar and authenticate via fingerprint.
- Ask for a balance enquiry or mini statement.
Pros
- Convenient, close to home
- Often longer working hours than branches
Tips
- Confirm they’re an authorized BC. You can usually see signage or an ID/display at the kiosk.
5) Missed-Call/SMS from your registered number (quickest at home)
Best when: you want a no-frills, instant balance on the go.
How it works
- From your registered mobile number, dial 9223008811.
- The call disconnects automatically.
- You’ll receive an SMS with your account balance.
Pros
- Free from UBGB’s side (your mobile plan’s standard call/SMS charges may apply)
- Works in seconds; no data required
Tips & fixes
- Not registered? Update your mobile number at your branch.
- No SMS received? Check signal, inbox space, and that you dialed from the registered number. Try again after a few minutes.
Which method should I pick?
- Need it now, at home? Missed call to 9223008811.
- Comfortable with card/PIN? ATM.
- No card, Aadhaar seeded? AEPS at a Bank Mitra/BC.
- Also want a printed update or have other queries? Branch.
- Nearest option in the village? Bank Mitra (with AEPS).
Safety first (important do’s & don’ts)
- Never share your PIN, OTP, or full card number/CVV with anyone—bank staff will never ask for these.
- Don’t click unknown links or share details on calls claiming to be from the bank.
- At ATMs, cover the keypad and avoid help from strangers.
- For AEPS, use only authorized BC/Bank Mitra points; ensure your biometric is taken on a proper device with a receipt/confirmation.
Quick troubleshooting
- My Aadhaar isn’t linked to my account.
Visit your branch with Aadhaar and passbook; request Aadhaar seeding. It’s required for AEPS. - The ATM says “transaction declined.”
Re-try later or use a different ATM. If the issue continues, visit the branch to check card status or account flags. - I changed my mobile number.
Submit a mobile update request at the branch to keep missed-call/SMS alerts working. - I need a printed proof of balance.
Ask for a passbook update at the branch or a mini statement at ATM/BC.
Pro tips to stay on top of your money
- Update your passbook every few weeks—handy for loans, subsidies, or verification.
- Enable SMS alerts for transactions if not already active.
- Keep your debit card PIN strong and change it periodically.
- If you notice anything unusual, contact your branch immediately.
The bottom line
You’ve got five simple ways to view your UBGB account balance—Branch, ATM, AEPS, Bank Mitra, and Missed-Call (9223008811). Pick the method that’s fastest and safest for you in the moment, keep your mobile number updated, and follow the basic safety rules above. Staying on top of your balance should be effortless—and with these options, it is.
Kritti Kumari is a banker and MBA graduate who writes about banking, finance, and customer-friendly services. She simplifies complex financial products into easy guides, helping readers understand Bihar Gramin Bank’s offerings and make smarter money decisions.