Galgalia branch of Bihar Gramin Bank is located in Galgalia, Kishanganj district, Bihar, PIN 855106. This branch serves locals and nearby rural customers for deposits, withdrawals and remittances. For electronic fund transfers — NEFT, RTGS and IMPS — the IFSC code is essential. The IFSC uniquely identifies the bank and branch in the payment network and ensures your funds route to the correct account.
Branch Details
| Bank Name | Bihar Gramin Bank |
|---|---|
| Branch Name | Galgalia |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100864 |
| Branch Address | Galgalia, KISHANGANJ, 855106, 9297955745 |
| Contact Number | 9297955745 |
| City | KISHANGANJ |
| District | KISHANGANJ |
| Reason | ARARIA |
| Pincode | 855106 |
| State | Bihar |
Merger Update
Important: Bihar Gramin Bank now operates under a single IFSC code issued through Punjab National Bank. The Galgalia branch uses IFSC PUNB0MBGB06. This change reflects consolidation of regional gramin banks. If this branch was earlier listed under Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB), note that both banks have merged operationally and now use this single PUNB0MBGB06 IFSC under Punjab National Bank. Old UBGB or DBGB IFSC codes have been revoked. For any fund transfer, use only the new IFSC PUNB0MBGB06; transactions attempted with revoked codes will fail or be delayed.
What is IFSC Code?
The IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to identify bank branches in electronic transfers. The structure is fixed:
- First 4 characters — bank identifier (alphabetic). Example: PUNB = Punjab National Bank.
- 5th character — always 0 (reserved for future use).
- Last 6 characters — branch identifier (alphanumeric). Example: in PUNB0MBGB06, the last six characters MBGB06 identify the Galgalia branch.
How to Use IFSC Code
Follow these steps when sending money via NEFT, RTGS or IMPS:
- Open your bank’s fund transfer section or mobile banking app.
- Choose the transfer type: NEFT, RTGS or IMPS. (IMPS is instant and available 24×7; NEFT and RTGS availability may vary by bank, so confirm with your bank.)
- Select or add a beneficiary. Enter the beneficiary name exactly as in their bank records.
- Enter the beneficiary account number.
- Enter the IFSC code: PUNB0MBGB06 (for Bihar Gramin Bank, Galgalia). Double-check each character.
- Optionally enter MICR code if requested by your bank for cheque clearing: 800811002.
- Enter transfer amount and purpose (if required). Confirm charges and limits with your bank for RTGS/NEFT/IMPS.
- Authorize the transaction (OTP, password or token). Note down the UTR/transaction reference for tracking.
Benefits of Knowing the IFSC
- Makes electronic transfers accurate and fast. The IFSC routes funds to the exact branch.
- Prevents failed transactions caused by wrong branch selection.
- Required for setting up beneficiaries in internet or mobile banking.
- Helps verify branch identity when reconciling receipts or payments.
- Useful for automated payrolls, vendor payments and online billers.
Contact
Branch phone no: 9297955745
Branch Address: Galgalia, KISHANGANJ, 855106
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777
FAQs
Q: Is PUNB0MBGB06 the only valid IFSC for Galgalia branch?
Yes. PUNB0MBGB06 is the valid, current IFSC. Old IFSCs used under UBGB or DBGB have been revoked after the merger. Use only this code for electronic transfers.
Q: What happens if I enter a wrong IFSC?
If the IFSC does not match the bank and branch, the payment may fail or be routed incorrectly and return to the originator. Always verify the IFSC and account number. If funds are misrouted, recovery requires bank intervention and can take days.
Q: Can I use MICR code instead of IFSC for NEFT/RTGS/IMPS?
No. MICR is used for cheque clearing and not for electronic fund transfers. For NEFT/RTGS/IMPS you must use the IFSC. The branch MICR (800811002) is useful for cheque-related processes.
Q: Which transfer method should I choose — NEFT, RTGS or IMPS?
Choose based on speed and amount. IMPS is instant and available 24×7 for small and mid-value transfers. NEFT suits routine transfers and is widely used. RTGS is for high-value real-time gross settlement; check your bank’s minimum amount for RTGS. Confirm charges and availability with your bank.
Q: How can I confirm the branch address and phone before sending large amounts?
Call the branch at 9297955745 or the bank helpline 18001807777. Verify beneficiary details (account name and number) and the IFSC before initiating the transfer. Keep the transaction reference (UTR) until the beneficiary confirms receipt.
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.