Balia Chowk is a neighbourhood in Muzaffarpur city, in north Bihar. This area serves local residents and small businesses. For digital payments and bank transfers you need the branch IFSC code. The IFSC is essential for NEFT, RTGS and IMPS transfers. It tells the payment system which bank and which branch should receive the funds. Using the correct IFSC speeds up settlement and reduces the chance of failed transfers.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Balia Chowk |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 108086 |
| Branch Address | Balia Chowk, MUZAFFARPUR, 844120, 9297955328 |
| Contact Number | 9297955328 |
| City | MUZAFFARPUR |
| District | MUZAFFARPUR |
| Reason | MUZAFFARPUR |
| Pincode | 844120 |
| State | Bihar |
Merger Update
Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) were reorganised under Punjab National Bank’s operating structure. As a result, branches that previously used UBGB or DBGB IFSC codes now use the unified IFSC code PUNB0MBGB06 for transactions routed through Punjab National Bank. Old UBGB IFSC codes have been revoked. Use only the new IFSC code when initiating NEFT, RTGS or IMPS transfers to avoid failed transactions or delays.
What is IFSC Code?
IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code. The format is:
- First 4 characters = bank identifier (alphabetic).
- 5th character = 0 (reserved for future use).
- Last 6 characters = branch identifier (alphanumeric).
Example breakdown for this branch: PUNB | 0 | MBGB06. Here PUNB indicates Punjab National Bank, 0 is reserved, and MBGB06 identifies the Balia Chowk branch in the IFSC system. Note: the bank’s internal numeric branch code (listed as 108086) is an internal identifier and does not have to match the IFSC suffix.
How to Use IFSC Code (NEFT, RTGS, IMPS)
- Confirm beneficiary details: ask for full name, account number and IFSC. Verify spelling and digits.
- Log in to your bank portal or mobile app, or visit the branch or ATM-supported transfer service.
- Choose the transfer type: NEFT, RTGS or IMPS. (IMPS and NEFT are typically used for immediate to near-immediate transfers; RTGS is used for larger-value payments.)
- Add a new beneficiary. Enter account number and IFSC exactly as provided. Double-check the IFSC characters.
- Authenticate the beneficiary (banks often send an OTP or require approval). Only then initiate the transfer.
- Enter amount and purpose, then confirm. Keep the reference or transaction ID for tracking.
- If you are unsure about the IFSC, contact the beneficiary branch (9297955328) or your bank before sending funds.
Benefits of Knowing the IFSC
- Ensures funds route to the correct bank branch for NEFT, RTGS and IMPS transfers.
- Reduces the risk of failed or returned transactions.
- Makes it faster to add beneficiaries in online banking and mobile apps.
- Required for outward remittances and some government payments or mandates.
- Helps customer service teams locate and trace transactions when you report an issue.
Contact
Branch Phone: 9297955328
Branch Address: Balia Chowk, MUZAFFARPUR, 844120
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll Free: 18001807777
FAQs
Q: Where can I find the IFSC for Balia Chowk branch?
A: The IFSC is printed on cheque leaves and passbooks. It is also available from the branch (9297955328). For this branch use PUNB0MBGB06.
Q: Are old UBGB IFSC codes still valid?
A: No. Old UBGB IFSC codes have been revoked after the merger. Use only the new PUNB0MBGB06 for transactions routed through Punjab National Bank.
Q: What happens if I enter a wrong IFSC?
A: If the IFSC points to a different branch, the transfer may go to the wrong branch. If the account number does not exist, the transfer may be returned. Contact your bank immediately to raise a trace or reversal. Resolution can take a few days depending on the error and the banks involved.
Q: Do I need IFSC for IMPS?
A: Yes. When sending IMPS using account number and IFSC, you must provide the correct IFSC. Some IMPS flows use mobile-based identifiers (MMID) or UPI, which do not require IFSC.
Q: Is IFSC case-sensitive?
A: No. IFSC is not case-sensitive in practice, but banks display it in uppercase (for example PUNB0MBGB06). Enter it exactly as given to avoid errors.
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.