The Kalabalua branch of Bihar Gramin Bank is located in the Araria district of Bihar. For anyone looking to send or receive money online through this branch, understanding its Indian Financial System Code (IFSC) is crucial. This unique 11-character code acts like a specific address for the branch, ensuring that funds transferred via Net Banking, including NEFT, RTGS, or IMPS, reach the correct destination without errors or delays.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Kalabalua |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | MBGB06 |
| Branch Address | Kalabalua, ARARIA, 854201, 9297954372 |
| Contact Number | 9297954372 |
| City | ARARIA |
| District | ARARIA |
| Pincode | 854201 |
| State | Bihar |
Important Merger Update
Bihar Gramin Bank was formed by the merger of two former regional rural banks: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). Following this amalgamation, the new entity is sponsored by Punjab National Bank (PNB). As a result, all branches, including Kalabalua, now use a new, unified IFSC code structure that begins with ‘PUNB’. Please note that all old IFSC codes belonging to the former UBGB and DBGB are now invalid and have been revoked. Using an old code will cause your transaction to fail. For all future transfers, you must use the new IFSC code, PUNB0MBGB06.
What is an IFSC Code?
The IFSC code is an 11-character alphanumeric code assigned by the Reserve Bank of India (RBI) to identify every bank branch participating in the electronic funds transfer system. It has a specific structure that helps route transactions correctly.
Let’s break down the IFSC code for the Kalabalua branch, PUNB0MBGB06:
- First 4 characters (PUNB): These letters represent the bank. In this case, ‘PUNB’ stands for Punjab National Bank, the sponsor bank for Bihar Gramin Bank.
- Fifth character (0): This is always a zero. It is reserved for future use by the RBI.
- Last 6 characters (MBGB06): This part identifies the specific branch. ‘MBGB06’ is the unique code for the Kalabalua branch.
How to Use the IFSC Code for Fund Transfers
Using the IFSC code for online payments is a straightforward process, whether you are using NEFT (National Electronic Funds Transfer), RTGS (Real-Time Gross Settlement), or IMPS (Immediate Payment Service). The steps are generally the same across all banking platforms.
- Log into your bank’s net banking portal or mobile banking application.
- Navigate to the ‘Fund Transfer’ section and select ‘Add Beneficiary’ or ‘Add Payee’.
- Enter the beneficiary’s details: their name as it appears on their bank account, their account number, and the account type (savings or current).
- Carefully enter the beneficiary bank’s IFSC code: PUNB0MBGB06 for the Kalabalua branch.
- Double-check all the details you have entered for accuracy and confirm to add the beneficiary. After a short cooling period, you can begin transferring funds.
Benefits of Using the Correct IFSC Code
- Ensures Accuracy: The primary benefit is that it directs your money to the exact bank branch intended, eliminating the risk of funds being misrouted.
- Prevents Failures: Using the correct code prevents transaction failures and the subsequent hassle of follow-ups with the bank.
- Faster Processing: It enables automated, straight-through processing of transactions by the banking system, which means your transfer is completed faster.
- Unique Identification: The code provides a unique identity for each branch, which is essential in a country with thousands of bank branches.
Contact Information
For any specific queries, you can reach out to the branch or the head office directly.
- Branch Contact Number: 9297954372
- Branch Address: Kalabalua, ARARIA, Bihar – 854201
- Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
- Toll-Free Number: 18001807777
Frequently Asked Questions (FAQs)
Why does the Bihar Gramin Bank IFSC code start with ‘PUNB’?
After the merger of UBGB and DBGB, the new Bihar Gramin Bank is sponsored by Punjab National Bank (PNB). The IFSC codes now reflect the sponsor bank, so they start with ‘PUNB’.
What happens if I accidentally use an old IFSC code from before the merger?
If you use an old, invalid IFSC code, your transaction will be rejected. The funds will be reversed and credited back to your account, but this can cause delays.
Is the IFSC code PUNB0MBGB06 the same for all branches of Bihar Gramin Bank?
No. While the first four letters (‘PUNB’) are common for the bank, the last six digits are unique to each branch. PUNB0MBGB06 is only for the Kalabalua branch.
Can I use this IFSC code for international money transfers?
No. IFSC codes are used exclusively for domestic fund transfers within India. For international transfers, you need a SWIFT (Society for Worldwide Interbank Financial Telecommunication) code, which is different.
Where can I find my branch’s IFSC code?
You can find your branch’s IFSC code printed on your bank-issued chequebook and on the first page of your passbook. It is also available on the bank’s official website and mobile app.
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.