Tappu is a rural branch in Kishanganj district, Bihar (PIN 855101). It serves local agricultural and household customers and handles inward and outward electronic transfers. For sending or receiving money by NEFT, RTGS or IMPS you must provide the correct IFSC code. The IFSC routes the payment to the exact bank and branch. Without the correct IFSC, payments can be delayed, returned, or misrouted.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Tappu |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100714 |
| Branch Address | Tappu, KISHANGANJ, 855101, 9297954406 |
| Contact Number | 9297954406 |
| City | KISHANGANJ |
| District | KISHANGANJ |
| Reason | ARARIA |
| Pincode | 855101 |
| State | Bihar |
Merger Update
Important: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged under Punjab National Bank. All former UBGB/DBGB branches now operate using the single IFSC PUNB0MBGB06 assigned under Punjab National Bank. Old UBGB or DBGB IFSC codes have been revoked. For any NEFT/RTGS/IMPS transaction to this branch use only PUNB0MBGB06. Transactions attempted using revoked IFSC codes will fail or be returned.
What is an IFSC Code?
The IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to uniquely identify a bank branch in electronic payments. Its structure is fixed:
- First 4 characters: Bank code (letters). Example: PUNB = Punjab National Bank.
- 5th character: Always zero (0) — reserved for future use.
- Last 6 characters: Branch identifier (alphanumeric). Example: MBGB06 in PUNB0MBGB06.
Note: The IFSC’s last 6 characters identify the branch for payment routing. The bank may also maintain an internal numeric branch code (here 100714) which is separate from the IFSC suffix.
How to Use IFSC Code for NEFT, RTGS, IMPS
- Open your bank’s netbanking portal, mobile app, or visit the branch for a funds transfer.
- Choose the transfer type: NEFT, RTGS or IMPS. (NEFT and RTGS now operate 24×7; IMPS is immediate and available 24×7.)
- Enter beneficiary details: full name, account number, and the IFSC PUNB0MBGB06 for Bihar Gramin Bank Tappu.
- Provide the beneficiary’s branch details if requested (city: Kishanganj, branch address). Confirm the MICR 800811002 if needed for cheque processing.
- Verify details on screen. A wrong IFSC can route funds to another branch or cause a rejection. Double-check spelling and numbers.
- Submit the transfer and note the transaction reference. For RTGS check limits; RTGS is for large-value transfers (bank minimum/threshold policies apply).
Benefits of Knowing the IFSC
- Ensures the payment reaches the correct bank branch instantly or within the expected settlement window.
- Prevents delays and return charges caused by incorrect routing.
- Required for online transfers (NEFT/RTGS/IMPS) and for receiving bank-to-bank credits.
- Makes it easier to set up beneficiaries permanently in mobile and internet banking.
- Helps verify branch identity using MICR and branch code for reconciliation and accounting.
Contact
Branch phone no: 9297954406
Branch Address: Tappu, KISHANGANJ, 855101
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free: 18001807777
FAQs
- Q: How can I verify the IFSC before sending money?
A: Confirm the IFSC on the beneficiary’s cheque leaf or passbook. You can also ask the branch staff in person or call the branch number 9297954406. After the UBGB/DBGB merger, ensure you use the new IFSC PUNB0MBGB06.
- Q: What happens if I enter the wrong IFSC?
A: If the wrong IFSC points to a different valid branch, the funds may be credited to that branch and correcting it can take time. If the IFSC is invalid, the payment will be rejected and returned to sender. Always verify the IFSC before confirming the transfer.
- Q: Which transfers require IFSC?
A: NEFT, RTGS and IMPS all require the IFSC to route funds to the correct branch. UPI uses a different identifier and typically does not need IFSC for P2P transfers.
- Q: Has the IFSC for Tappu changed because of the merger?
A: Yes. Following the merger into Punjab National Bank, branches formerly under UBGB/DBGB now use PUNB0MBGB06. Old UBGB/DBGB IFSCs are revoked and should not be used.
- Q: How long do transfers take using this IFSC?
A: IMPS is immediate (seconds). NEFT and RTGS are effectively real-time now as these services run 24×7, but processing times can vary slightly depending on bank systems. Keep your transaction reference to track status.
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.