Bihar Gramin Bank Kaligaon IFSC Code

The Bihar Gramin Bank branch in Kaligaon is located in the Darbhanga district of Bihar. For anyone looking to send or receive money electronically to an account at this branch, the Indian Financial System Code (IFSC) is essential. This unique 11-character code acts like a digital address, ensuring that your funds transferred through systems like NEFT, RTGS, or IMPS reach the correct bank branch without any errors or delays.

Branch Details for Bihar Gramin Bank, Kaligaon

Bank Name	Bihar Gramin Bank
Branch Name	Kaligaon
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	MBGB06
Branch Address	Kaligaon, Darbhanga, Bihar – 847104
Contact Number	9297955109
City	Darbhanga
District	Darbhanga
State	Bihar
Pincode	847104

Important Merger Update

Bihar Gramin Bank was formed by merging two former regional rural banks: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). After this merger, Punjab National Bank (PNB) became the sponsor bank. As a result, all old IFSC codes belonging to the former banks, including UBGB, have been discontinued. It is crucial to use only the new IFSC code, which starts with ‘PUNB’, for all transactions. Using an old, revoked IFSC code will lead to transaction failure.

What is an IFSC Code?

The Indian Financial System Code (IFSC) is a unique 11-character alphanumeric code assigned by the Reserve Bank of India (RBI) to every bank branch participating in the electronic funds transfer network. This code ensures that money is routed to the correct destination. Its structure is simple to understand.

Let’s break down the Kaligaon branch IFSC code, PUNB0MBGB06:

• PUNB: The first four letters represent the bank. In this case, it stands for Punjab National Bank, the sponsor bank.
• 0: The fifth character is always a zero. It is reserved for future use.
• MBGB06: The last six characters identify the specific branch. Here, it signifies the Kaligaon branch of Bihar Gramin Bank.

How to Use the IFSC Code for Fund Transfers

Using the IFSC code for online banking is straightforward. Whether you are using a mobile banking app or a web portal, the steps are generally the same for NEFT, RTGS, and IMPS transactions.

1. Log in to your internet banking or mobile banking application.
2. Navigate to the ‘Fund Transfer’ section and select the transfer type (NEFT, RTGS, or IMPS).
3. Add a new beneficiary or payee by entering their bank details.
4. You will be asked for the recipient’s name, account number, and the IFSC code of their bank branch. Enter PUNB0MBGB06 for the Kaligaon branch.
5. Double-check all the details to ensure accuracy and confirm the transaction.

Benefits of Using the Correct IFSC Code

• Accuracy: It pinpoints the exact destination branch, eliminating any confusion and ensuring your money goes to the right place.
• Error Prevention: The banking system validates the IFSC code, which helps prevent transactions from being processed with incorrect branch information.
• Speed and Security: Correct codes enable automated, fast, and secure processing of electronic transfers without manual intervention.
• Nationwide Identification: It serves as a standard identifier for any bank branch across India, simplifying inter-bank transactions.

Contact Information

For any specific queries, you can reach out to the branch or the bank’s head office.

Kaligaon Branch
Phone: 9297955109
Address: Kaligaon, Darbhanga, Bihar – 847104

Bihar Gramin Bank Head Office
Address: Shri Vishnu Commercial Complex, Asochak, Patna – 800030, Bihar
Toll-Free Number: 18001807777

Frequently Asked Questions (FAQs)

1. Is Uttar Bihar Gramin Bank (UBGB) now Bihar Gramin Bank?
Yes. Uttar Bihar Gramin Bank and Dakshin Bihar Gramin Bank merged to form a single entity called Bihar Gramin Bank.

2. Why does the IFSC code for Bihar Gramin Bank start with ‘PUNB’?
The code starts with ‘PUNB’ because Punjab National Bank is the sponsor bank for Bihar Gramin Bank after the merger. All new IFSC codes reflect this sponsorship.

3. Can I still use my old UBGB IFSC code for transactions?
No. All old IFSC codes from the pre-merger banks are now invalid. You must use the new IFSC code, PUNB0MBGB06, for all transactions to the Kaligaon branch to avoid failure.

4. What happens if I enter the wrong IFSC code?
If you use a wrong IFSC code, the transaction will likely fail, and the money will be credited back to your account within a few hours or days. In rare cases, if the code corresponds to another branch, the funds could be misdirected, causing a delay in recovery.

5. What is the difference between NEFT, RTGS, and IMPS?
These are all electronic fund transfer methods. IMPS (Immediate Payment Service) is instant and available 24/7. RTGS (Real-Time Gross Settlement) is for high-value transactions (above ₹2 lakh) settled in real-time. NEFT (National Electronic Funds Transfer) processes transactions in hourly batches.