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  • Internet Banking. Banking with convenience!
  • SMS Banking Now Available. Anytime Banking with Your Mobile.
  • We offer Point-of-Service facility for KYC compliance - we can come to you!
  • Ratnakar Bank launches the first co-branded prepaid gift card in association with Inorbit Malls.
  • Ratnakar Bank increases savings account interest rate to 5.5%
  • Ratnakar Bank Launches Online Shopping for existing customers in collaboration with Times Of Money.
  • Shanta Vallury, Head Branch Banking & Distribution felicitated as the Leading Woman in Banking at the 3rd Edition Women Leaders in India Awards 2011.
  • Avail Special 400 Days FD rate today! Contact your nearest branch for more information. Hurry offer valid only for a limited period.

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Home  > Personal Banking  > Convenience Banking > SMS Banking
SMS Banking   Now make enquiries of your bank accounts from your mobile phone may it be a Savings, Current, Loans or Fixed Deposit accounts.
Simply use the below syntax to register and access your bank account using our SMS banking platform.
You may start using our SMS banking if you have your Mobile number registered with us.
Comprehensive Range of Services  Our SMS Banking facility provides you with an exhaustive range of services at your fingertips. So you can conduct your banking transactions with ease thus allows you to access a Single Number (+91-9223366333) for all your SMS Banking Enquiries.

Brief overview of mobile banking requests is as follows:-


Sr No.DescriptionSMS KeywordExample
1Registration for SMS BankingREG CREG 8008801010000428
2De- Registration on SMS BankingDEREG CDEREG 8008801010000428
3Change of Primary AccountSET C ASET 8008801010000428 1003310012021012
4Balance Request CASA ( 1 )BAL CBAL 8008801010000428
5Balance Request CASA ( 2 )BAL C ABAL 8008801010000428 1003310012021012
6FD Enquiry ( 1 )FDINQ CFDINQ 8008801010000428
7FD Enquiry ( 2 )FDINQ C FFDINQ 8008801010000428 1003310012021012
8Loan Balance Enquiry ( 1 )LOANINQ CLOANINQ 8008801010000428
9Loan Balance Enquiry ( 2 )LOANINQ C LLOANINQ 8008801010000428 100254500000521
10Last 5 Transactions CASA ( 1 )TXN CTXN 8008801010000423
11Last 5 Transactions CASA ( 2 )TXN C ATXN 8008801010000423 1003310100000012
12Cheque Status EnquiryCHQSTA C A ZCHQSTA 8008801010000423 1001101010000125 000001
13Help CommandHELPHELP

C Complete Customer ID

A Complete Account Number

F Complete Fixed Deposit Number

Z Complete Cheque Number


Please note:


You can send the SMS in either upper case (Capital letters) or lower case (small letters) i.e. BAL C and bal c, both will help you to know your account balance.


The SMS commands contain blank spaces which should be kept when sending SMS.


Please use only the mobile number which has been registered to use the SMS Banking facility. For your safety, we will not accept requests from any other mobile number which is not registered with us.