The Bihar Gramin Bank Teghra branch is located in Teghra town, Begusarai district, Bihar (PIN 851133). This branch serves local retail and agricultural customers and handles inward and outward electronic fund transfers. For online transfers using NEFT, RTGS or IMPS you must use the correct IFSC code. The IFSC identifies the bank and the exact branch so funds are routed correctly and quickly.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Teghra |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 3831 |
| Branch Address | Teghra, Begusarai, 851133, 8102926322 |
| Contact Number | 8102926322 |
| City | Begusarai |
| District | Begusarai |
| Reason | BEGUSARAI |
| Pincode | 851133 |
| State | Bihar |
Merger Update
Important: Punjab National Bank now uses the single IFSC code PUNB0MBGB06 for the merged regional banks. Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged into Punjab National Bank. Old UBGB and DBGB IFSC codes have been revoked. For all electronic transfers to this Teghra branch use only PUNB0MBGB06. Transactions attempted with old UBGB/DBGB IFSC values may fail or be delayed.
What is IFSC Code?
The IFSC (Indian Financial System Code) is an 11-character alphanumeric code. It is used by banks to route electronic payments within India.
- First 4 characters – identify the bank. Example: PUNB = Punjab National Bank.
- 5th character – is always 0 (reserved for future use).
- Last 6 characters – identify the specific branch. Example: in PUNB0MBGB06, the branch identifier is MBGB06.
How to Use IFSC Code for NEFT, RTGS, IMPS
- Open your bank’s netbanking or mobile app and choose “Fund Transfer” or “Add Beneficiary.”
- Select transfer type: NEFT (any value), RTGS (usually for high-value transfers, typically above ₹2 lakh depending on the bank), or IMPS (instant, up to the bank’s IMPS limit).
- Enter beneficiary name, account number and re-type the account number to avoid errors.
- Enter the IFSC code exactly: PUNB0MBGB06. The IFSC must match the beneficiary branch for routing.
- Enter amount and select payment reason or remarks if required.
- Confirm any beneficiary validation OTP or authorization method your bank uses.
- Check transfer cut-off times and charges. NEFT settlements are often hourly or continuous depending on the bank. RTGS and IMPS are faster; IMPS is immediate 24×7, RTGS has operating windows and may have a minimum limit.
- After transfer, note the transaction reference (UTR) for tracking and proof.
Benefits of Knowing the IFSC Code
- Ensures accurate routing of funds to the correct bank branch.
- Reduces failed transfers and the time taken to reverse mistakes.
- Necessary for adding beneficiaries for NEFT, RTGS and IMPS.
- Helps customer support track transactions using the IFSC and UTR.
- Useful for filling forms, salary credits, and direct benefit transfers where branch-level identification is needed.
Contact
Branch phone no: 8102926322
Branch Address: Teghra, Begusarai, 851133
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777
FAQs
Q: Where do I find the IFSC for Bihar Gramin Bank Teghra?
A: Use the IFSC shown above: PUNB0MBGB06. It appears on account passbooks, cheque leaves, and by asking the branch.
Q: I have an old UBGB IFSC for this branch. Can I use it?
A: No. Old UBGB and DBGB IFSC codes have been revoked after the merger. Only PUNB0MBGB06 is valid now.
Q: What happens if I enter a wrong IFSC?
A: If the IFSC is incorrect but maps to a real branch, funds may go to the wrong account and recovery can take time. If the IFSC does not exist, the transfer will likely fail and be reversed. Always double-check the IFSC and account number.
Q: Which transfer mode should I use for urgent payments?
A: For immediate credit use IMPS (available 24×7) or RTGS for high-value transactions (bank-dependent minimum, commonly ≥ ₹2 lakh). NEFT is suitable for routine transfers and may be processed in batches or continuously depending on the bank.
Q: How long does NEFT/RTGS/IMPS take?
A: IMPS is instant. RTGS is near-instant during operating hours for eligible amounts. NEFT timing depends on bank processing cycles; many banks now process NEFT continuously, but some still settle in hourly batches. Check with the sending bank for exact timelines.
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.