Bihar Gramin Bank Balua Kali Ganj IFSC Code

The Bihar Gramin Bank branch at Balua Kali Ganj is in Araria district, Bihar (PIN 854333). This branch serves local residents and small businesses in and around Balua Kali Ganj. For electronic fund transfers — NEFT, RTGS and IMPS — the IFSC code is the key identifier. The IFSC routes payments to the correct bank and branch. Entering the correct IFSC and account number ensures funds reach the intended account without delay.

Branch Details

Merger Update

Note: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged under Punjab National Bank (PNB). The merged rural branches now use the single IFSC code PUNB0MBGB06 for electronic transfers. Old UBGB IFSC codes have been revoked. Do not use old UBGB or DBGB IFSCs; only PUNB0MBGB06 is valid for transactions to this branch.

What is an IFSC Code?

The IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to identify bank branches for electronic payments in India. The structure is fixed:

• First 4 characters: bank identifier (letters). Example: PUNB = Punjab National Bank.
• 5th character: reserved and is always 0 (zero).
• Last 6 characters: branch identifier (letters and/or numbers). Example: MBGB06 identifies the specific branch after merger.

So in PUNB0MBGB06, PUNB = bank, 0 = reserved, MBGB06 = branch code.

How to Use IFSC Code (NEFT, RTGS, IMPS)

• Open your bank’s netbanking portal or mobile app, or visit the branch.
• Go to the fund transfer or “Add Beneficiary” section.
• Enter beneficiary name, account number and the IFSC: PUNB0MBGB06. Double-check spelling and digits.
• Select the transfer type:
  • NEFT: No minimum amount. Settlements occur in half-hourly batches.
  • RTGS: Use for large-value payments. RTGS is for high-value transactions and clears individually in real time.
  • IMPS: For immediate 24×7 transfers, typically used for small-to-medium amounts and instant credit.
• Enter the amount and purpose. For RTGS, check your bank’s minimum limit (bank may require a minimum such as ₹2,00,000 for RTGS; confirm with your bank).
• Complete authentication (OTP or transaction password) and confirm the transfer.
• Keep the transaction reference number. If a problem occurs, provide this reference to the bank for tracing.

Benefits of Knowing the IFSC

• Ensures funds reach the correct branch and account.
• Required to add a beneficiary for NEFT/RTGS/IMPS in online banking.
• Reduces failed or misrouted transactions and related delays.
• Makes reconciliation and tracking easier using transaction references.
• Needed for many online forms and payment interfaces when receiving funds.

Contact

Branch phone no: 9297954358

Branch Address: Balua Kali Ganj, ARARIA, 854333

Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR

Toll free no: 18001807777

FAQs

• Q: Can I use the old UBGB IFSC to send money to this branch?

  A: No. Old UBGB IFSC codes have been revoked after the merger. Use only the new IFSC PUNB0MBGB06 for transfers.

• Q: Where can I find the IFSC on my cheque or passbook?

  A: The IFSC is printed on the cheque leaf, usually in the MICR/IFSC area. It may also appear in your passbook, account statement or the bank’s branch details page.

• Q: What happens if I enter a wrong IFSC but correct account number?

  A: If the IFSC does not match the bank code for the supplied account, the transfer will usually fail or be routed to the wrong branch. Banks validate IFSC against account details. If funds are misrouted, recovery can take time and may require a formal request.

• Q: Is IFSC case-sensitive?

  A: No. IFSC is not case-sensitive, but enter it exactly as provided to avoid input errors. Most systems accept upper or lower case, but standard practice is to use uppercase letters and numbers.

• Q: Can I use this IFSC for inward cheque clearing?

  A: IFSC is primarily for electronic transfers. For cheque clearing, MICR code (here 800811002) and branch details matter. Still, accurate branch identification helps processing.

Kriti Kumari

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.