“Why would my ledger balance show the amount: Rs 14,495.While the available balance of 13,195“, asked Shantanu as he forwarded me the ATM receipt shown in the image below (marked by red). When you check your bank balance, especially after ATM, you may see two different balances, the ledger balance and the available balance. This is because you have a pending transaction. Let’s look at the difference between the ledger balance and available balance.
ATM receipt with Ledger Balance and ATM balance
- The ledger balance is the balance available as of the beginning of the day or balance of your account after posting the previous night’s work.
- The available balance is the ledger balance, plus or minus any subsequent activity during the day, such as debit card purchases, ATM transactions or withdrawals or direct deposits. So it is the balance at any point in time during the day.
So in the case of Shantanu,
- His balance at the beginning of the day was Rs 14,495. So his ledger balance was Rs 14,495.
- He withdrew Rs 1300.
- So now the balance available for him is Rs 14495 – 1300 = 13,195. This is the available balance.
- If there is no other activity during the day like ATM withdrawal or debit car purchase his balance at the end of the day i.e ledger balance would be Rs 13,195.
- If say he again does ATM withdrawal of Rs 1000 during the day then his ledger balance for that day would still be Rs 14,495 but available balance after second withdrawal would become Rs 12,195.
Net balance at end of day taking account of all transactions would be ledger balance.
To understand how ledger and available balances work, let us consider another example of Aryan who has bank account with a ledger balance of Rs 20,000 .
- Of this amount, he has written a cheque for Rs 5,000 that is pending payment from his account as well as a debit card transaction of Rs 4,000.
- In such a case, he has an available balance of Rs 11,000 that he can withdraw, according to the terms of his account.
- Though his ledger balance reads Rs 20,000, he cannot withdraw the entire amount because 9000 of it is pending payment.
- Once the cheque and debit card payments are completely processed, his ledger balance, in such a case, will drop to Rs 11,000
So Available Balance is always less than Ledger Balance
No if money is deposited then your Available balance would be more than Ledger Balance. For example, cheques that you deposited yesterday and money was transferred during the day then Available balance will be more than the Ledger balance as shown in the image below where Shantanu had deposited a cheque of Rs 10,000 but did an ATM withdrawal of Rs 1,000.
- So Ledger balance was 27,312.
- His cheque got credited so available balance became Rs 37,312.
- Then he withdrew Rs 1000 so balance became Rs 36,312.
ATM receipt with Ledger Balance and ATM balance
Your available balance includes credits or debits from transactions that have not yet posted to your account, such as deposits or withdrawals you made in the last 24 hours. i.e Available Balance includes your Ledger Balance and all items presented to bank as pending electronic transactions or holds placed on your account during the course of the current business day. Essentially Available Balance is giving you a snapshot at a point in time during the day. During the day Available balance will change depending on whether money is deposited or withdrawal but ledger balance which only gets updated at end of working day.
During the day you should look at available balance as it is more recent or updated that ledger balance. Thus, it is safer to use your ledger balance than your available balance because if a transaction doesn’t clear, your available balance may not be correct. When your ledger balance and Available balance do not match wait for a day, the next day all bank records will be updated with withdrawals and deposits in the last 24 hrs.
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So we hope difference between Ledger Balance and Available Balance is clear? What do you look at Ledger Balance or Available Balance?
Someone sent 19095naira to my bank account. Still my available account balance is 00.0. But 19095naira only reflects on book balance. Why?
Check the balance next day.
But please verify who sent the money and inform bank about it
Sir my available balance is 50.49 and ledger balance is 68.49….means??
Sir my ledger black shows 1193 but my available black shows -2164221.00 i have not issued any check pls clarify me sir
Hi, if your bank is SBI, ledger balance showing is the MOD (Multi Option fixed Deposit) balance which you made. Available Bal is the balance left in your current/saving(normal account) balance.
Sr ,my ledger balance rs.150000.00 my available balance is 0 what happens this
Sir mere account se paise nikle as pr atm cheat mera balance bhi ledger mai h kab tak ka time hota h available balance m aane ka jwab jrur bataiyega sir
Sir, My ledger and available balance is showing same amount 20820 rupees when i withdraw 800 rupees again both balance shows same amount as 20020 I have waited for a day and checked the account again on next day but there was no change in the available balance as well as ledger balance. Need to know what’s wrong here why both are same and why both balance are fluctuating equally.Please reply
Which bank do you use? How did you withdraw?
Mostly the difference is noted while doing ATM transactions.
if you have done online then both would be done automatically.
If offline ie at ATM machine then if it is being done then and there, software has been upgraded
Hi, if your bank is SBI, ledger balance showing is the MOD (Multi Option fixed Deposit) balance which you made. Available Bal is the balance left in your current/saving(normal account) balance.
as im seeing my ledger balance as 5178 rs and available balance as 00 rs and i cant withdraw the amount what should i do to withdraw my money. please help out bank
When your ledger balance and Available balance do not match wait for a day, the next day all bank records will be updated with withdrawals and deposits in the last 24 hrs.
10,000 credited to my account yesterday but now ledger balance is showing up as 10935 and available balance is 0.00 . I am unable to withdrawal money from my account .What should I do now in order to transfer ledger balance into available balance
Hi, Today I faced the same issue. Can u please tell me how do I proceed further???
Thanks!
Get in touch with your bank.
As one more day has passed, is your available balance updated?
I hve not used my atm card for 7months…recently after 7months i used to withdraw the amount then it shows as
ledger balance: Rs.1141.40
and available balance : Rs :0.00
Can i withdraw that ledger blnce.
Today I withdrew 500 rs only from ATM and it shows my ledger balance as 2289.3 rs and available balance is 0.0 rs .
I didn’t understand how come there’s a huge difference between ledger balance and available balance despite me not withdrawing anything since a month ago till today.
Please help me.
I got credit card and I checked in atm that showing me ledger balance 46000 RS and available balance rs 0. So explain me that. Can I swipe my ledger balance in possible machine can I use my ledger balance
My ledger balance is 5000 n available balance is 0
What does it mean….?
Did you withdraw 5000 Rs during the day?
The available balance is the ledger balance, plus or minus any subsequent activity during the day, such as debit card purchases, ATM transactions or withdrawals or direct deposits. So it is the balance at any point in time during the day.
When your ledger balance and Available balance do not match wait for a day, the next day all bank records will be updated with withdrawals and deposits in the last 24 hrs.
my ledger balance 7300
my avaialable balance is 7700
now plz tell me wat is my actual amount
It’s been 5 days in my account it’s showing ladger balance 17990 and available balance 578 n m not be able to withdraw money what’s should I do
Contact your bank. Were there any holidays in between?
Awesome Blog
I have ledger balance 6600 but available balance 0 what does it mean
My account have 20247 rs. But at the time of transaction the balance will not comes out and the notification will comes your account does not have enough balance
How are you trying to draw money – in ATM?
How much money are you trying to draw?
If money has been deposited in the same day then wait for a day when balance is updated.
My HDFC bank account is showing ledger balance: “-754.28”
n available balance “0” though itsa salary account i.e 0 balance
N i didnot do any transections although earlier balance ws 12 rs . Cn u explain about this?
Please check the statement and ask the HDFC phone banking
I got a message thar ur account is credited with rs 15000 from cheque. But today it is showing that the ledger balance is 15000. Available balance is 70 paise. I unable ti take the amount. Why
What should i do?
Wait for a day. Accounts are updated at the end of the day.
I have mismatch my signature uco current account and did cheque clearing to other icici bank outstation cheque transfer what would i do ?
Mostly your cheque would not be cleared. The cheque deposited by you would be returned unpaid by the bank on the ground that the signature of the drawer of the cheque differs. it also amount to an offense under Section 138 of the Negotiable Instruments Act.
You can stop payment of cheque.
You can then proceed to make alternative arrangements to pay.
money was transferred into my acc on wednesday and my available balance is showing me the exact amount am to have while the ledger balance is showing me the previous balance i had, what does it mean?
Ledger Balance and Available Balance go out of sync if there are some transactions done like Withdrawing money or depositing money.
The ledger balance is the balance available as of the beginning of the day or balance of your account after posting the previous night’s work.
The available balance is the ledger balance, plus or minus any subsequent activity during the day, such as debit card purchases, ATM transactions or withdrawals or direct deposits. So it is the balance at any point in time during the day.
So wait for a day your ledger and available balance will match.
Sir I have deposite 1500 RS today but available balance is 411rs.ledger balance is 1501rs.how much money my withdrawal.what is meaning of ledger balance
Please check your balance today. At the end of the day your money deposited will show in Available balance.
Plz help me ??? My AVAILABLE balance is showing 0₹ and LEDGER balance is 25,000 ₹ from 3 days . I m unable to withdraw money . I had loded money around 1000 in my Airtel wallet 3 days ago in 5 transactions and no withdrawal frm ATM since 10 days .
Y I m facing this problem plz help
Previous night I checked my balance showing 11002 in available balance, but ib the morning available went to 0 balance & ledger went to 11002…
How is it possible…
Bank should ask me or need to take my permission before touch my account….
Now I am in a emergency position & I need money urgently. What should I do? Plz xpln
I deposit cheque 20 December 10.30 am
But cheque not clear after 4 day to day 23 December
we withdrawn mode balance
I have deposited 4500 on 10 of nov 2016 in my account & I tried to withdraw next day from atm.
transaction was failed & it showing 0 avl balance, – 5700rs ledger balance.
Plz explain me what is exactly mean.
Hi.
I tried to withdraw money from my account last night, I had 3200/-balance..but it was showing available balance 3200 and ledger balance -3654. I tried again this morning but it changed… Now the available balance is showing 3654 and and ledger balance is 3200… I don’t understand this…. Your help will be much appreciated.
Hello sir,
This is my salary account…
I tried to withdraw amount from my account, It shows as ledger amount:387 and available balance:0
What does it mean??
Will I be able to withdraw this ledger balance, please clarify me
My available balance is 750 and my ledger balance is 21500 and can’t withdraw please i want to know why?
hi i have 2000 in my account. i tried to withdraw some amount but it is showing as you are unable to withdraw insufficient funds and also it is showing the ledger bal is showing as -3900 and avail bal as 2000. please clarify my doubt.
I got my salary alert, 33,910 . my available balance is now 34, 717 while my ledger balance is 805.99 please what does that mean
Wait for a day the ledger balance would be updated.
My ledger balance shows 5517 but I am unable to withdraw my balance why?
i have the same problem. any solutions?
sir mane pension loan liya tha 2,00,000 SBI bank se Jo har mahine ke 20 traik ko 4572 rupay kata ta tha par august mai family problem se Maine loan ka pasisa apne account mai nhi choda. par jab mera pension aya 30 august ko.to mai jb 31 august ko pasisa nikalne gaya to nhi nikal.jb mainne mini statement nikala to balance show kar RHA tha 31 august ko 4572- aur available 4571- iska kya MATLAB hai sir pls mujhe jald se jald batiye mera pension 13,801 aya tha aur ab available 4571- myuns mein show kar raha hai
sir mane pension loan liya tha 2,00,000 SBI bank se Jo har mahine ke 20 traik ko 4572 rupay kata ta tha par august mai family problem se Maine loan ka pasisa apne account mai nhi choda. par jab mera pension aya 30 august ko.to mai jb 31 august ko pasisa nikalne gaya to nhi nikal.jb mainne mini statement nikala to balance show kar RHA tha 31 august ko 4572- aur available 4571- iska kya MATLAB hai sir pls mujhe jald se jald batiye
Hello sir, thanks for your valuble information. I have another query relating to this concept.
The problem is i have a ledger balance of Rs.103. But my available balance is Rs.-40. I neither issued any cheques nor made any transaction during the day. Infact i never used a cheque book. Also the same is clearly evident from the mini statement. Please tell me the where the differnce came from?
Do reply me soon.
Please contact the bank. Are they charging you for not maintaining minimum balance?
My ledger balance shows 14,000/- and available balance is 4000/- I am not able to withdraw even 1000/- from my bank.
I had taken a loan a few months ago. I have a feeling that they have not taken the required amount for a few months towards the loan and that’s why I’m experiencing this. Please confirm or clarify if you can Thanks so much.
i transferred 12,000 to my first bank account with skybank ATM and the initial amount i was having in account was 1,300 as i finished the transfer to withdraw from my real account which is first bank, then the atm says that (insuffient fund) then i went back to recheck my balance..i saw available balance 1,300, ledger balance 13,300 please is there 100% assurance of being able to withdraw the money latest by tomorrow morning??
My account balance was 19,290 and avaliable balance was also the same that day
Next day it was credited by 2750rs and account balance was 22,040rs and avaliable balance was 19,290, so where is the remaining amount..i didnt get this plz explain
Wait for a day, when ledger and available balance will become same.
The ledger balance is the balance available as of the beginning of the day.
Available balance is the ending balance at any point in time during the day
Sir, I received #5000 from my bank mistakingly, but i withdrew it, on my next recharge, i deposited #15000..The bank fixed my account to be Available balance #5000 while Ledger balance is #10000..pls sir what does this mean?
Can you please give me a reply
My account bal is 97 rs I deposited a check of 10,000 rs now I just went and checked the ATM it shows the available balance is 97 and ledger balance is 10000 can I withdraw that 10,000 can anyone reply please
You cannot withdraw the money today.
The cheque has to be verified and amount has to be credited into your account. if its local cheque it should be done today or tomorrow.
Please sir clarify by doubt
sir, I has no money in my account as per my knowledge but after withdrawal it is showing as ledger balance 20,000 and available balance 20,000. Please clarify my doubt.
Are these the amount on day of withdrawal? Please wait for a day and then check. You available balance would be 0.
someone transfered 3k to my account but i cannot withdraw it cos its into ledger bal and i need to pay someone with it immediately. Its weekend what do i do?
At end of the day account should be settled. When did someone transfer to your account?
I got a personal loan frm my bank.. In my statement of account it is showing as 90thousand deposited to my account bt while i check thru atm.. It is showing as ledger balance.. Will i get the money or not.. Pls hlp
I got a personal loan from my bank…in my statement of account it is showing as 90 thousand deposited bt in my atm it is showi g as ledger balance.. Will i get the money..
l have 3140.00 in my account balance and 10,000. sent to my account yesterday.l went to atm to withdraw the money this morning but the account showing me LEDGER BALANCE of 13,140 and Available Balance of 1140. since yesterday.sir what did you think i can do?
How can I withdraw my ledger bal plz tell me sir
Wait for end of day when ledger balance will be updated.
Received credit card I activated it I put it in ATM to see what or if any money was there it said ledger balance 300.00 can I withdraw that out?
Sir my ac bal show 57.00 and my ledger bal shows 220.00 i deposited 500.00 and withdrawal 300.00 through atm in transaction it shows available 220.00 am unable to withdraw the available bal,how can i withdraw my 220.00 bal plz tell me sir
You have to wait for a day. Why would you deposit Rs 500 and then withdraw 300?
Wouldn’t it be easier just depositing Rs 200?
Balance in my a/c is 42.19 &
Total available bal. 1667.81
Means?
Did you withdraw or add money during the day?
Wait for a day and check the balance.
Thanks man, your explanation really cleared some of my doubts I was having.
Can I withdrawn inr 1600 with checkbook bsc I have no atm
Hello. I haven’t been using this account for a long time as it was my salary account and I quit the job long back. Now it shows that My Ledger Bal is 0.84/- and my Available 1999/-. Can you please tell me what this means?
my ledger balance is #10000 an available is #80000 how can i withdraw the ledger acc
The ledger balance is the balance available as of the beginning of the day or balance of your account after posting the previous night’s work.
The available balance is the ledger balance, plus or minus any subsequent activity during the day, such as debit card purchases, ATM transactions or withdrawals or direct deposits. So it is the balance at any point in time during the day.
Since available balance is more than ledger balance you can withdraw the amount in ledger balance.
Wait for a day then ledger balance would be updated
I have 600rs in my account and I deposited 1000rs later I want to withdraw my amount I went to bank and they told u have 600 rs and I withdrawn that amount and later I went to ATM it shows ledge balance is 1000but i can’t take what should I do now is my money will come or not if it comes what I shall do now
Please wait for a day and see whether the amount is updated with deposited amount.
can i find ledger amount by check in bank
i was deposit 12000 in my account but 11000 ledger amount showing and 3332 showing available balance and 1000 rupees RD and tell me how i will got my ledger amount.how can i find this ledger amount
I tried withdrawing 5000 with my ATM but d money didn’t come out its my card DAT came out’ so I was debited ‘ my ledger balance shows d money still dere but available doesn’t show d money is dere? Y
Stories of people getting shortchanged by the machines are a dime a dozen. In one such instance, someone had tried withdrawing as little as Rs 500 from an ATM, much to the same result. In another, as much as Rs 28,000 meant to be deposited as school fees wasn’t delivered and the bank has not reimbursed the withdrawer even months after the customer put in a complaint.
Your first step would be to complain to the manager of the bank branch where you have the account linked to the card, or the one closest to the ATM where you tried to withdrawing money and failed to get any.
Each bank also lists on its website an address or the name of the official who can receive customer complaints. Sometimes, online links are provided. You can use any of the means —- handwritten or online complaint —- but make sure you keep a copy of the same, which can be provided as a proof of when you sent the complaint to the bank.
This is essential as banks are supposed to resolve the issue within 12 days of receiving the complaint, according to circulars the RBI has sent to banks twice in the last seven months.
Banks shall reimburse to the customers the amount wrongfully debited within a maximum period of 12 days from the date of receipt of customer complaints,
If the amount is not reimbursed in spite of having followed it up with the bank, you can either complain to the RBI or to the Banking Ombudsman. Complaints to both the authorities can be sent either in writing or online via the RBI website. The forms for complaining are available easily on the website.
But note that the Banking Ombudsman can be approached only after the completion of 30 days after complaining (in writing) to the bank. There exists a specific format for complaining to the ombudsman of your respective territory. The same can be obtained at https://secweb.rbi.org.in/BO/compltindex.htm.
How do you prove that notes were not dispensed by the ATM?
Banks are bound to know if the notes have not been dispensed by the ATM. The number of notes put in the ATM and the amount dispensed is tallied at the end of the day with each ATM. Normally, it’s one odd case (of people not getting money out of ATM) and if a claim comes and the amount is the same as the difference noticed in the tally report, then it is given to the customer.
Also, there are cameras in many ATMs and it can be easily established whether the cash is dispensed or not. Customers panic when they see that no notes are dispensed and approach the security guard. But even if the security guard doesn’t stand as eye witness, it can be established that the notes did not come out. MostlyATMs have a telephone which you can just pick up and you are connected to the call centre. You can inform the call centre or the branch, whichever is convenient.
If the bank doesn’t respond after 12 days? RBI has said that it would penalise banks that do not comply with the 12-day norm.
My ledger balance shows 20000INR and available balance 4000 INR ..so after midnight my ledger balance would be 4000INR (for the next day ) and I haven’t spent penny out of 20000 deposited ..what would happen ..please explain !
Why is the available balance less? Did you do some transaction like withdrawal or cheque was issued.
I deposited 6000 in my SBI saving account. but its not available yet
When did you deposit? How did you deposit? Did you check up with the bank!