HCP:Did you select "I already have a seed -> Options (BIP39 seed) -> entered the 12 word recovery words -> set derivation path to m/0'" ?
Yes it's what I did with electrum wallet, and the balance is divided by 100. If I don't select these options, I have nothing. I don't have password keys they are encrypted in aes file.
Then the other explanation might be the "gap limit" of Electrum... and your coins are "hiding" in an address that Electrum is not "seeing" because it only generates up to 25 "empty" addresses and then stops looking. You can read about the "gap limit" here:
https://electrum.readthedocs.io/en/latest/faq.html#gap-limitTo generate more addresses you can use the command on the Electrum "console" (you might need to use "View -> Show Console") to see the console tab:
[wallet.create_new_address(False) for i in range(50)]
Every time you type that, it will generate 50 more addresses... you can change 50 to whatever number you like, but you probably don't need to generate more than a few hundred to be relatively sure that the "missing" funds are not hiding past the gap limit.
NotATether: when in doubt, check your address balance in a block explorer
Great suggestion. How do you do that?
Simply go to a blockexplorer like one of the following:
https://btc.com/https://blockchair.com/bitcoin/https://live.blockcypher.com/btc/https://www.blockchain.com/btc/https://blockstream.info/and enter your address(es)... see what the "current balance" displayed for the addresses is... if it adds up to the amount shown by Electrum, then Electrum is not missing anything due to the gap limit.
Ranochigo: Did you check the denomination used in Electrum?
"denomination" ? You mean bip39 => m/0 ?
No... he means "denomination"... Electrum defaults to using
mBTC (or milli BTC)... you need to use "Tools -> Preferences" menu... look on the "General" tab and see what the value for "Base Unit" is.
It's possible there might be some confusion between mBTC and BTC (or vice versa)... but mBTC should be showing as 1000
greater... not 100 less

ie. 0.38 BTC == 380 mBTC ... and 0.3 mBTC = 0.00038 BTC