Balha Bazar is a branch of Bihar Gramin Bank located in Khagaria district, Bihar (Pincode 851214). This branch serves retail and agricultural customers in the local area. For electronic fund transfers such as NEFT, RTGS and IMPS, the correct IFSC code is required to route the payment to the exact bank branch. Using the right IFSC reduces delays, prevents failed transfers, and ensures money reaches the intended account.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Balha Bazar |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 3525 |
| Branch Address | Balha Bazar, Khagaria, 851214, 8102918690 |
| Contact Number | 8102918690 |
| City | Khagaria |
| District | Khagaria |
| Reason | BEGUSARAI |
| Pincode | 851214 |
| State | Bihar |
Merger Update
Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged under the sponsor bank, Punjab National Bank (PNB). All operations for affected rural branches now use the single IFSC code PUNB0MBGB06 under Punjab National Bank’s system. The old UBGB and DBGB IFSC codes have been revoked and are no longer valid for electronic transactions. Use only the new IFSC code PUNB0MBGB06 when sending NEFT, RTGS or IMPS to this branch.
What is IFSC Code?
IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code that identifies a bank branch for electronic payments. The structure is:
- First 4 characters — Bank identifier (example: PUNB = Punjab National Bank).
- 5th character — Always zero (0), reserved for future use.
- Last 6 characters — Branch identifier (alphanumeric). In PUNB0MBGB06, the last six characters identify the specific branch within the bank network.
IFSC is used by NEFT, RTGS and IMPS systems to route payments to the correct branch. MICR (9 digits) is different; it helps in cheque clearing and is not used for online transfers.
How to Use IFSC Code
Steps to send funds (NEFT / RTGS / IMPS):
- Open your bank’s internet banking portal or mobile app.
- Go to the fund transfer or beneficiary management section.
- Choose transfer type: NEFT, RTGS or IMPS. (IMPS is instant and available 24×7; NEFT and RTGS are also available round-the-clock, but check with your bank for cutoffs and limits.)
- Add beneficiary details: beneficiary name, account number, bank name and IFSC PUNB0MBGB06.
- Verify details and confirm. You will typically get an OTP to authorize addition of beneficiary and the transfer.
- Initiate the transfer specifying the amount and purpose. Note RTGS is intended for high-value transfers; check your bank for present minimum/maximum limits.
- Save transaction reference or UTR for tracking.
Benefits of Knowing the IFSC
- Accurate routing: Ensures funds reach the correct branch and account.
- Faster processing: Correct IFSC avoids returns and delays in NEFT/RTGS/IMPS.
- Saves time when adding beneficiaries to online banking or payment apps.
- Needed for salary credits, vendor payments and government receipts linked to a branch.
- Helps customer service troubleshoot failed transactions by verifying routing details.
Contact
Branch Phone: 8102918690
Branch Address: Balha Bazar, Khagaria, 851214
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll Free: 18001807777
FAQs
Q: Is PUNB0MBGB06 the only valid IFSC for Balha Bazar branch?
Yes. After the merger under Punjab National Bank, PUNB0MBGB06 is the valid IFSC. Old UBGB/DBGB codes have been revoked.
Q: What happens if I use a wrong IFSC?
If the IFSC points to a different branch, the transfer may go to the wrong branch and will require a recall. If the IFSC does not exist, the transaction will likely be rejected. Always double-check account number and IFSC before sending funds.
Q: Can I use this IFSC for international transfers?
International wire transfers typically use SWIFT/BIC codes, not IFSC. For inward rupee remittances, some banks may request IFSC along with other details. Confirm with your bank or the sending bank about the exact requirements.
Q: Where does MICR fit in?
MICR (800811002) is a 9-digit code used for cheque clearing through the RBI’s clearing system. It is not required for online transfers (NEFT/RTGS/IMPS), which rely on IFSC.
Q: Is IFSC case-sensitive?
No. IFSC codes are not case-sensitive. However, enter them exactly as provided to avoid errors.
If you need help verifying beneficiary details before making a transfer, contact the Balha Bazar branch at 8102918690 or use the bank’s toll-free number 18001807777.
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.