The Bihar Gramin Bank branch at Cheria Bariarpur is located in Begusarai district of Bihar (Pincode 851132). This branch uses the IFSC code when routing electronic fund transfers. For NEFT, RTGS and IMPS transactions, the IFSC ensures payments reach the correct bank and branch. Always confirm the IFSC before sending or receiving money to avoid delays or reversals.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Cheria Bariarpur |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 3808 |
| Branch Address | Cheria Bariarpur, Begusarai, 851132, 8102918650 |
| Contact Number | 8102918650 |
| City | Begusarai |
| District | Begusarai |
| Reason | BEGUSARAI |
| Pincode | 851132 |
| State | Bihar |
Merger Update
Bihar Gramin Bank branches including this Cheria Bariarpur branch now operate under a consolidated arrangement related to the former Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). Both UBGB and DBGB have been merged and the unified branches use the single IFSC code PUNB0MBGB06 under Punjab National Bank for electronic transfers. Old UBGB IFSC codes have been revoked. Only the new IFSC PUNB0MBGB06 is valid for NEFT, RTGS and IMPS transactions. Always use the current IFSC when initiating payments.
What is IFSC Code?
The IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to identify bank branches in electronic payment systems. Its structure is fixed:
- First 4 characters: Bank identifier (letters). Example: PUNB = Punjab National Bank.
- 5th character: Reserved and usually 0.
- Last 6 characters: Branch identifier (alphanumeric). Example: for this branch the last six are MBGB06, forming PUNB0MBGB06.
Separately, banks also maintain a numeric Branch Code (here 3808) used for internal processing and reconciliation. IFSC and branch code are related but not the same format.
How to Use IFSC Code
- Open your bank’s netbanking or mobile banking app and go to the payments or fund transfer section.
- Choose transfer type: NEFT, RTGS or IMPS. (NEFT for routine transfers, RTGS for large-value settlements, IMPS for instant 24×7 transfers.)
- Add a new beneficiary by entering the beneficiary name, bank account number and IFSC PUNB0MBGB06 for Cheria Bariarpur.
- Verify beneficiary details. Many banks show the branch name after you enter the IFSC—confirm it matches Cheria Bariarpur, Begusarai.
- Authenticate the addition using your bank’s OTP or m-PIN. Some banks may put a beneficiary on a cooling period before transfers are allowed.
- Select the beneficiary, enter the amount and purpose, then confirm the transfer using OTP or secure PIN.
- Keep the transaction reference for tracking. If a mistake occurs, contact the sending bank immediately with the reference number.
Benefits of Knowing the IFSC
- Accurate routing: Ensures funds go to the correct bank and branch.
- Faster processing: Correct IFSC reduces rejections and return delays.
- Required for all electronic transfers: NEFT, RTGS and IMPS require an IFSC for beneficiary details.
- Easy verification: You can confirm a branch by matching IFSC with branch name and MICR before sending money.
- Fraud prevention: Using the official IFSC and verifying details lowers the risk of misdirected payments.
Contact
Branch Phone: 8102918650
Branch Address: Cheria Bariarpur, Begusarai, 851132
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll Free: 18001807777
FAQs
Q: Where can I find the IFSC on a cheque or passbook?
A: The IFSC is usually printed on the cheque leaf and on the first page of the passbook. For this branch look for PUNB0MBGB06. If not visible, call the branch to confirm.
Q: What happens if I enter a wrong IFSC but correct account number?
A: Banks validate the account number and IFSC. If they don’t match, the transaction is often rejected and funds returned. In some cases routing may still succeed if the account number uniquely identifies the beneficiary; contact your bank immediately if you suspect an error.
Q: Are old UBGB or DBGB IFSC codes still valid?
A: No. UBGB and DBGB IFSC codes have been revoked following the merger. The unified IFSC to use is PUNB0MBGB06 under Punjab National Bank. Using old codes can cause transfer failures.
Q: How long does a NEFT or RTGS transfer take?
A: NEFT and RTGS times depend on the sending bank and settlement windows. NEFT typically processes in batches; RTGS is for higher value and settles faster. IMPS is instant. If unsure, ask your bank for expected timelines and the transaction reference number.
Q: How can I verify the IFSC before sending funds?
A: Verify the IFSC on the branch cheque, passbook, or by calling the branch number 8102918650 or the bank’s toll-free 18001807777. Confirm the branch name (Cheria Bariarpur) and MICR (800811002) when checking.
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.