The Bihar Gramin Bank branch at Baliabelon is located in Katihar district, Bihar (PIN 855113). This branch handles local deposits, withdrawals and fund transfers for residents and businesses in the area. For electronic fund transfers (NEFT, RTGS, IMPS), the IFSC code identifies this exact branch in the banking network. Using the correct IFSC ensures money is routed to the right bank and branch and avoids failed or delayed transfers.
Branch Details Table
| Bank Name | Bihar Gramin Bank |
| Branch Name | Baliabelon |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100771 |
| Branch Address | Baliabelon, KATIHAR, 855113, 9297954150 |
| Contact Number | 9297954150 |
| City | KATIHAR |
| District | KATIHAR |
| Reason | PURNEA |
| Pincode | 855113 |
| State | Bihar |
Merger Update
This IFSC code PUNB0MBGB06 is issued under Punjab National Bank (PNB). If the Baliabelon branch was earlier listed under Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB), note that both these regional rural banks have been consolidated and now operate using the single PNB IFSC code PUNB0MBGB06. Old UBGB and DBGB IFSC codes have been revoked. Only the new IFSC PUNB0MBGB06 is valid for NEFT, RTGS and IMPS transactions for this branch.
What is IFSC Code?
IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code used to route electronic payments to a specific bank branch.
- First 4 characters – identify the bank (for example, PUNB = Punjab National Bank).
- 5th character – is always ‘0’ (reserved for future use).
- Last 6 characters – identify the specific branch (for example, MBGB06).
How to Use IFSC Code
Use the IFSC when you add a beneficiary or make a fund transfer online or at a bank branch. Follow these steps:
- Open your bank’s netbanking or mobile app. Or visit your bank branch for offline transfer.
- Choose the transfer type: NEFT, RTGS or IMPS. (IMPS is real-time 24×7; NEFT and RTGS are also available round the clock in most banks.)
- Select “Add Beneficiary” or “New Payee”. Enter beneficiary name, account number and the IFSC PUNB0MBGB06.
- Double-check the account number and IFSC. Mistyped IFSC can route funds to the wrong branch or cause failure.
- Save the beneficiary. Many banks require an activation wait time for security (usually minutes to a few hours) before the first transfer.
- Initiate the transfer. Enter amount and purpose. Confirm with OTP or transaction password as required.
- Keep the transaction reference number. Use it to track the transfer or to report any issue to the bank.
Benefits of Knowing the IFSC
- Accurate routing: Ensures funds reach the exact branch and account.
- Faster settlement: Required for electronic channels (NEFT, RTGS, IMPS).
- Reduced errors: Correct IFSC cuts down failed transfers and reconciliation work.
- Beneficiary setup: Mandatory field when adding a payee in netbanking or UPI apps.
- Dispute resolution: Reference the IFSC when tracking or reporting failed transactions.
Contact
Branch phone no: 9297954150
Branch Address: Baliabelon, KATIHAR, 855113
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free: 18001807777
FAQs
Q: What IFSC should I use for fund transfers to Baliabelon branch?
A: Use PUNB0MBGB06. This is the valid IFSC for the Baliabelon branch under Punjab National Bank. Old regional-bank IFSCs, if any, are revoked.
Q: I used a wrong IFSC. What happens?
A: If the wrong IFSC points to a valid account, the funds may go to that account and recovery will need bank-to-bank coordination. If the IFSC does not match any branch, the transfer will usually fail and the amount will be returned to your account. Contact your bank immediately with the transaction reference.
Q: Can IFSC change for a branch?
A: Yes. IFSC changes when the branch is re-mapped, re-branded, or merged. When that happens, old IFSCs are revoked and a new IFSC is issued. Always confirm the current IFSC from your bank before large transfers.
Q: How long do NEFT, RTGS and IMPS transfers take?
A: IMPS is immediate and available 24×7. NEFT and RTGS are processed electronically and are available round-the-clock in most banks; NEFT clears quickly in batches or in real time depending on the system, and RTGS is intended for high-value real-time settlement. Actual time can vary by bank processing and any beneficiary activation delay.
Q: Do I need any other details besides IFSC to add a beneficiary?
A: Yes. You must provide the beneficiary’s correct account number and name. Some banks also ask for branch address or purpose, but account number and IFSC are mandatory for routing.
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.