The Bihar Gramin Bank branch at Beldour serves customers in Khagaria district, Bihar (PIN 851261). This page lists the branch details and explains the IFSC code you must use for electronic fund transfers (NEFT, RTGS, IMPS). The IFSC is essential to route payments to the correct bank and branch. Entering the right code prevents delays, failed transfers, or money going to the wrong account.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Beldour |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 3512 |
| Branch Address | Beldour, Khagaria, 851261, 8102918677 |
| Contact Number | 8102918677 |
| City | Khagaria |
| District | Khagaria |
| Reason | BEGUSARAI |
| Pincode | 851261 |
| State | Bihar |
Merger Update
Important: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) were merged into Punjab National Bank (PNB) for unified operations. The merged rural banking operations now use the single IFSC PUNB0MBGB06 under Punjab National Bank. Old UBGB and DBGB IFSC codes have been revoked. For any NEFT, RTGS or IMPS transaction, use only the new IFSC PUNB0MBGB06. Transactions attempted with revoked IFSCs will fail or be returned.
What is IFSC Code?
The IFSC (Indian Financial System Code) is an 11-character code used to identify bank branches in electronic payment systems. Its structure is fixed:
- First 4 characters – bank identifier. Example: PUNB stands for Punjab National Bank.
- 5th character – always the digit 0 (reserved).
- Last 6 characters – branch identifier (alphanumeric). Example: MBGB06 identifies this specific branch under PNB.
So for this branch: PUNB0MBGB06 = PUNB (bank) + 0 + MBGB06 (branch).
How to Use IFSC Code (NEFT / RTGS / IMPS)
- Open your bank’s netbanking, mobile app, or visit branch/ATM transfer menu.
- Add a beneficiary by entering: beneficiary name, account number, and IFSC PUNB0MBGB06. Double-check the account number and IFSC.
- Choose the transfer type:
- NEFT – for regular transfers (no minimum; settles in batches or near-real-time depending on bank).
- RTGS – for large value transfers (used for higher-value or urgent payments; check your bank’s minimum requirement).
- IMPS – immediate 24×7 transfers for smaller amounts (subject to bank limits).
- Enter the amount and purpose. Confirm details on screen.
- Authenticate the transfer with an OTP, token, or password as prompted.
- Save the transaction reference number. Check beneficiary status after the first successful transfer before sending larger amounts.
Benefits of Knowing the IFSC
- Ensures funds reach the correct branch and account.
- Speeds up electronic transfers—NEFT, RTGS, IMPS route automatically using IFSC.
- Reduces failed transactions and reversal delays caused by incorrect branch identification.
- Required when adding beneficiaries in netbanking or mobile banking.
- Useful for salary credits, vendor payments, government transfers, and standing instructions.
Contact
Branch phone no: 8102918677
Branch Address: Beldour, Khagaria, 851261
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777
FAQs
Q: Is PUNB0MBGB06 the only valid IFSC for this branch now?
A: Yes. After the merger and consolidation under Punjab National Bank, PUNB0MBGB06 is the valid IFSC. Old UBGB/DBGB IFSCs are revoked and should not be used.
Q: What happens if I enter the wrong IFSC?
A: If the IFSC does not match the receiving bank’s actual IFSC, the payment may fail or be returned. If the account number matches another branch that uses that IFSC, funds could go to the wrong account. Always verify both IFSC and account number.
Q: How can I verify this branch IFSC before sending money?
A: Verify by calling the branch at 8102918677, checking the bank passbook or cheque leaf, or confirming with your bank’s branch listing in netbanking. Do not rely on a single unverified source.
Q: Can I use this IFSC for inward and outward RTGS/NEFT/IMPS?
A: Yes. This IFSC is used to route all electronic inward payments to the Beldour branch. For RTGS outward transfers check your bank’s RTGS cut-off and minimum amount requirements.
Q: Are IFSC codes case-sensitive?
A: No. IFSC codes are not case-sensitive. Entering lower or upper case yields the same routing. Still, use the conventional uppercase format (e.g., PUNB0MBGB06) for clarity.
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.