The Bihar Gramin Bank branch at Balmha serves rural Aurangabad district in Bihar. It is located in the Balmha locality, pincode 824143. For any electronic fund transfer—NEFT, RTGS or IMPS—you must use the correct IFSC code. The IFSC ensures the payment is routed to the right bank and branch. Entering the wrong IFSC may delay the transfer or cause a failed transaction.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | BALMHA |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 6931 |
| Branch Address | BALMHA, Aurangabad, 824143, 7091596931 |
| Contact Number | 7091596931 |
| City | Aurangabad |
| District | Aurangabad |
| Reason | AURANGABAD |
| Pincode | 824143 |
| State | Bihar |
Merger Update
Important: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) were amalgamated under Punjab National Bank for the purposes of issuing IFSC codes. All older UBGB/DBGB IFSC codes have been revoked. This branch now uses the single IFSC code PUNB0MBGB06 for NEFT, RTGS and IMPS. Do not use old UBGB or DBGB IFSC codes; they are invalid for transactions.
What is an IFSC Code?
The Indian Financial System Code (IFSC) is an 11-character alphanumeric code that identifies a specific bank branch in electronic payment systems.
- First 4 characters — alphabetic code for the bank. Example: PUNB = Punjab National Bank.
- 5th character — always the digit 0 (reserved).
- Last 6 characters — branch identifier. These are alphanumeric (example: MBGB06 in PUNB0MBGB06).
So, in PUNB0MBGB06: PUNB = bank, 0 = reserved, MBGB06 = unique branch code.
How to Use the IFSC Code (NEFT / RTGS / IMPS)
- Open your bank’s netbanking, mobile app, or visit branch for a transfer.
- Choose the transfer type: NEFT, RTGS, or IMPS. IMPS is instant and typically available 24×7. NEFT and RTGS availability may vary by bank—confirm current timings with your bank.
- Enter beneficiary details: name, account number and the IFSC PUNB0MBGB06. Type it exactly; IFSCs are case-insensitive but must match all characters.
- Verify the beneficiary bank and branch name shown by your app after entering the IFSC. The display should show Bihar Gramin Bank — BALMHA or Punjab National Bank mapping for this code.
- Enter the amount and any required purpose or remarks. Confirm charges, if any.
- Complete any additional security steps (OTP, UPI PIN, or token). Record the reference number for tracking.
- If the transfer fails or funds are debited without credit, contact the sending bank with the transaction reference and beneficiary IFSC immediately.
Benefits of Knowing the Correct IFSC
- Ensures funds reach the exact branch and account without delay.
- Prevents failed or returned transactions due to routing errors.
- Makes beneficiary setup quick and reliable in netbanking or payment apps.
- Helps customer service teams locate and trace transfers using the branch code.
- Helps differentiate between similarly named branches in different districts or states.
Contact
Branch Phone: 7091596931
Branch Address: BALMHA, Aurangabad, 824143, 7091596931
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll Free: 18001807777
FAQs
Q: Is PUNB0MBGB06 the only valid IFSC for this Balmha branch?
Yes. PUNB0MBGB06 is the valid IFSC to be used for NEFT, RTGS and IMPS. Older UBGB/DBGB IFSCs have been revoked after the merger.
Q: Where can I find the IFSC on my cheque or passbook?
IFSC usually appears on the cheque leaf near the MICR line and on the first page of the passbook entry for account details. If unsure, confirm with the branch.
Q: What is the difference between IFSC and MICR?
IFSC is an 11-character code used for electronic transfers. MICR (Magnetic Ink Character Recognition) is a 9-digit code used primarily for cheque processing and clearing. Example here: MICR = 800811002.
Q: What happens if I enter a wrong IFSC?
If the IFSC does not match the account number, the transfer may be rejected or returned, causing delays. If the IFSC is valid but points to a different account number, funds may be credited to the wrong account. Always double-check the IFSC and account number before sending.
Q: I had an old UBGB IFSC saved. Do I need to update it?
Yes. Old UBGB/DBGB IFSCs are revoked. Update beneficiary details to use PUNB0MBGB06. If you have pending transfers scheduled with the old code, cancel and re-enter them with the new IFSC.
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.