Balia is a town in Begusarai district, Bihar. This branch serves local residents and businesses for deposits, withdrawals, and electronic fund transfers. The IFSC code is essential when you send money via NEFT, RTGS, or IMPS. It tells the payment system which bank and which branch should receive the funds. Using the correct IFSC avoids transaction delays, failed transfers, or misrouting.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Balia |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 3805 |
| Branch Address | Balia, Begusarai, 851211, 8102918647 |
| Contact Number | 8102918647 |
| City | Begusarai |
| District | Begusarai |
| Reason | BEGUSARAI |
| Pincode | 851211 |
| State | Bihar |
Merger Update
Important: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged into a single entity under Punjab National Bank. After the merger, the unified IFSC code for the former UBGB/DBGB branches is PUNB0MBGB06. Old UBGB or DBGB IFSC codes are revoked. Use only the new IFSC code PUNB0MBGB06 for all NEFT, RTGS, and IMPS transactions to or from this branch.
What is IFSC Code?
The IFSC (Indian Financial System Code) is an 11-character alphanumeric code. It directs electronic transfers to the correct bank branch. The structure is fixed:
- First 4 characters: Bank identifier. Example: PUNB = Punjab National Bank.
- 5th character: Always 0 (reserved).
- Last 6 characters: Branch identifier. Example: MBGB06 in PUNB0MBGB06 identifies the specific branch code under the bank.
How to Use IFSC Code (NEFT / RTGS / IMPS)
- Open your bank’s netbanking or mobile app. Choose the option to add a beneficiary or pay a recipient.
- Provide beneficiary name, account number, and the IFSC code PUNB0MBGB06. Check the MICR 800811002 if required by the form.
- Select the transfer type:
- IMPS — immediate, 24×7, for small and medium transfers.
- NEFT — available round-the-clock; settles in batches or near-instant depending on system and bank timing.
- RTGS — for high-value urgent transfers. Minimum amount is typically ₹2,00,000; settlements are immediate.
- Enter the amount and any remarks. Confirm beneficiary details shown by your bank. A mismatch in IFSC or account number can cause failure or reversal.
- Authorize the transaction using OTP, token, or UPI PIN as required by your bank. Note the transaction reference for tracking.
- Check with the beneficiary for receipt. If payment fails or is delayed, contact your bank with the reference number.
Benefits of Knowing the IFSC
- Ensures money goes to the correct bank branch for NEFT, RTGS and IMPS transfers.
- Reduces delays and reversals caused by incorrect branch routing.
- Makes it easy to add beneficiaries quickly in mobile apps and netbanking.
- Helps customer service teams trace and reconcile transfers using exact branch identifiers.
- Necessary for merchants and businesses when setting up vendor or salary payments.
Contact
Branch phone no: 8102918647
Branch Address: Balia, Begusarai, 851211
Head office address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777
FAQs
Q: Can I still use the old UBGB or DBGB IFSC?
A: No. Old UBGB and DBGB IFSC codes have been revoked after the merger. Use only PUNB0MBGB06 for transactions to this branch.
Q: What if I enter the wrong IFSC but correct account number?
A: Banks use both IFSC and account number. If IFSC and account mismatch, the transfer may fail or be routed incorrectly. Always verify both before authorizing.
Q: Which method is fastest — NEFT, RTGS, or IMPS?
A: IMPS and RTGS are near-instant. IMPS suits small amounts and is 24×7. RTGS is used for high-value urgent transfers (minimum ~₹2 lakh) and is immediate. NEFT is also available round-the-clock and typically completes within minutes to a few hours depending on systems.
Q: Is IFSC case-sensitive?
A: No. IFSC is not case-sensitive. But enter it exactly (characters and digits) to avoid errors.
Q: How can I verify IFSC and branch details?
A: Verify with the beneficiary directly. You can also confirm through your bank when adding a beneficiary. Keep a record of the branch phone number (8102918647) and MICR (800811002) for cross-checking if needed.
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.