The Tardih branch of Bihar Gramin Bank is located in Banka, Bihar. If you need to send or receive money online to an account at this branch, you must use a specific code called the Indian Financial System Code (IFSC). This code is essential for all major electronic fund transfer methods in India, including National Electronic Funds Transfer (NEFT), Real-Time Gross Settlement (RTGS), and Immediate Payment Service (IMPS). The IFSC code acts like a unique address, ensuring that your money reaches the correct bank branch without any errors or delays.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Tardih |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | MBGB06 |
| Branch Address | Tardih, Banka, 813119 |
| Contact Number | 7061383158 |
| City | Banka |
| District | Banka |
| Region | BHAGALPUR |
| Pincode | 813119 |
| State | Bihar |
Merger and Updated IFSC Code
Previously, banking services in the region were provided by two separate entities: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). These two banks have since been merged to form a single entity, now sponsored by Punjab National Bank (PNB). As a result of this merger, all old IFSC codes, particularly those belonging to the former UBGB and DBGB, have been discontinued. It is crucial to use the new, updated IFSC codes for all transactions. The new codes for Bihar Gramin Bank now start with ‘PUNB’ to reflect the sponsorship by Punjab National Bank. For the Tardih branch, the only valid IFSC code is PUNB0MBGB06.
What is an IFSC Code?
The Indian Financial System Code (IFSC) 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. This code ensures that transactions are routed correctly.
Let’s break down the Tardih branch’s IFSC code, PUNB0MBGB06:
- PUNB: The first four characters represent the bank’s name. In this case, ‘PUNB’ stands for Punjab National Bank, the sponsor bank for Bihar Gramin Bank.
- 0: The fifth character is always a zero. It is reserved for future use.
- MBGB06: The last six characters uniquely identify the specific branch. For the Tardih location, this identifier is ‘MBGB06’.
How to Use the IFSC Code for Fund Transfers
Using the IFSC code for an online money transfer is a straightforward process. Whether you are using a bank’s mobile app or internet banking portal, the steps are generally the same.
- Add Payee/Beneficiary: Log into your net banking or mobile banking account. Navigate to the ‘Fund Transfer’ section and choose the option to ‘Add a new beneficiary’ or ‘Add payee’.
- Enter Beneficiary Details: You will be asked to provide the recipient’s details. This includes their full name, bank account number, and the IFSC code of their bank branch. For the Tardih branch, you would enter PUNB0MBGB06.
- Verification: After adding the beneficiary, most banks require a short cooling period (from 30 minutes to a few hours) before you can transfer funds. You may also receive an OTP on your registered mobile number to confirm the addition.
- Initiate the Transfer: Once the beneficiary is activated, go back to the ‘Fund Transfer’ section, select the beneficiary, enter the amount you wish to send, and choose the transfer method (NEFT, RTGS, or IMPS). Confirm the transaction to complete the payment.
Benefits of Using the Correct IFSC Code
- Accurate Transactions: It ensures your money is credited to the exact bank and branch you intended, eliminating routing errors.
- Faster Processing: Correct codes enable automated systems to process transactions quickly without manual intervention, reducing delays.
- Prevents Failed Transfers: Using an old or incorrect IFSC code will result in a failed transaction. The funds will be reversed to your account, but it can cause significant delays.
- Security: The code is a key part of the electronic transfer system that helps verify the destination, adding a layer of security to your transactions.
Contact Information
For any direct inquiries or assistance, you can contact the branch or the head office.
- Branch Phone Number: 7061383158
- Branch Address: Tardih, Banka, Bihar – 813119
- Head Office Address: Shri Vishnu Commercial Complex, Asochak, Patna – 800030, Bihar
- Toll-Free Number: 1800-180-7777
Frequently Asked Questions
What happens if I use an old IFSC code from before the merger?
If you use an old, discontinued IFSC code, your transaction will fail. The money will be returned to your account, but this process can take several business days.
Is the IFSC code PUNB0MBGB06 the same for all Bihar Gramin Bank branches?
No. While the first four letters ‘PUNB’ are common for all branches now, the last six characters are unique to each specific branch. You must use the code designated for the branch where the account is held.
What is the difference between an IFSC code and a MICR code?
The IFSC code is used for online fund transfers like NEFT and RTGS. The MICR (Magnetic Ink Character Recognition) code is a 9-digit code found on the bottom of cheques and is used for processing them.
How can I find the IFSC code for a different branch?
You can find the IFSC code on a bank-issued chequebook, your account passbook, or by visiting the bank’s official website. It is best to use official sources to ensure you have the correct code.
Is PUNB0MBGB06 valid for NEFT, RTGS, and IMPS transfers?
Yes, this IFSC code is valid for all three types of electronic fund transfers supported by the bank. You can use it for any online payment to an account at the Tardih branch.
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.