The Bihar Gramin Bank branch at Baligaon serves residents of Baligaon village in Bhojpur district, Bihar (PIN 802203). This branch handles savings, loans and local banking needs. For electronic fund transfers — NEFT, RTGS and IMPS — you must use the correct IFSC code so money reaches the intended account quickly and safely. An incorrect IFSC can delay or misroute funds.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | BALIGAON |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 7013 |
| Branch Address | BALIGAON, Bhojpur, 802203, 9771464013 |
| Contact Number | 9771464013 |
| City | Bhojpur |
| District | Bhojpur |
| Reason | ARA |
| Pincode | 802203 |
| State | Bihar |
Merger Update
Important: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged into a single structure under Punjab National Bank for electronic clearing. This branch now uses the IFSC PUNB0MBGB06 for all NEFT, RTGS and IMPS transactions. Old UBGB/DBGB IFSC codes have been revoked. Only the new IFSC code above is valid for transfers. Always confirm the IFSC before initiating a transaction.
What is an IFSC Code?
The IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to route electronic payments in India.
- First 4 characters: Bank code (alphabetic). Example: PUNB = Punjab National Bank.
- 5th character: Reserved and is always 0.
- Last 6 characters: Branch identifier (alphanumeric). Example: MBGB06 identifies the branch.
How to Use IFSC Code for NEFT, RTGS, IMPS
- Open your bank app or netbanking and choose “Funds Transfer” or “Add Beneficiary”.
- Enter beneficiary name, bank account number and the IFSC PUNB0MBGB06. Enter branch name (Baligaon) for your records.
- Save beneficiary. Complete verification (OTP or in-app confirmation) as required by your bank.
- For NEFT: select NEFT, enter amount and confirm. NEFT processes in settlement cycles (many banks now offer 24×7 NEFT).
- For RTGS: choose RTGS for large-value transfers. RTGS is real-time gross settlement and is suitable for high-value payments. Check your bank for RTGS minimums (commonly used for amounts above a threshold such as Rs. 2 lakh, but verify with the bank).
- For IMPS: choose IMPS for immediate transfers (available 24×7). IMPS limits are set by the sending bank; check your daily and per-transaction limits.
- Confirm details before submitting. An incorrect IFSC or account number can delay funds or require recovery procedures.
Benefits of Knowing the IFSC
- Ensures correct routing of electronic payments (NEFT, RTGS, IMPS).
- Reduces delays and failed transfers caused by incorrect branch details.
- Makes it easier to add beneficiaries in netbanking and mobile apps.
- Required for receiving remittances from employers, government payments and online transfers.
- Supports reconciliation — branch code (7013) and MICR (800811002) help match transactions to the branch.
Contact
Branch Phone: 9771464013
Branch Address: BALIGAON, Bhojpur, 802203
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll Free: 18001807777
Frequently Asked Questions (FAQs)
Q: Can I use the old UBGB or DBGB IFSC for transfers?
A: No. Old UBGB and DBGB IFSC codes have been revoked after the merger. Use the new IFSC PUNB0MBGB06 for all transactions.
Q: Is IFSC case-sensitive?
A: No. IFSC codes are not case-sensitive. However, enter them exactly as provided to avoid typos.
Q: Do I need MICR for NEFT/RTGS/IMPS?
A: No. MICR is used for cheque clearing. For NEFT/RTGS/IMPS you need the correct account number and IFSC. MICR (800811002) helps in paper clearing and internal branch identification.
Q: What happens if I enter the wrong IFSC?
A: If the IFSC points to a different branch but the account number matches an existing account, funds may credit to that account. If the account number and IFSC don’t match any account, the transfer will likely fail and funds will be returned. Contact your bank immediately to initiate recovery if you suspect an error.
Q: How can I verify this IFSC before sending money?
A: Verify with the beneficiary by phone (branch contact 9771464013) or check a bank statement or cheque leaf. Confirm the IFSC PUNB0MBGB06, account number and beneficiary name before transfer.
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.