The Tardiha branch of Bihar Gramin Bank is located in Tardiha village, District Madhubani, Bihar (PIN 847408). For anyone sending or receiving funds to this branch, the correct IFSC code is essential. Banks use IFSC codes to route electronic transfers — NEFT, RTGS and IMPS — to the exact branch and account. Using the right IFSC avoids failed transfers, delays and manual intervention.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Tardiha |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100354 |
| Branch Address | Tardiha, MADHUBANI, 847408, 9297954940 |
| Contact Number | 9297954940 |
| City | MADHUBANI |
| District | MADHUBANI |
| Reason | JHANJHARPUR |
| Pincode | 847408 |
| State | Bihar |
Merger Update
Important: The IFSC code PUNB0MBGB06 is issued under Punjab National Bank (PNB). Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been restructured and their operations now route under this single PNB IFSC. Old UBGB/DBGB IFSC codes have been revoked. For all electronic transfers (NEFT/RTGS/IMPS) to branches previously under UBGB or DBGB, use only the new IFSC PUNB0MBGB06. Transactions attempted with revoked (old) IFSC codes will fail or require manual correction.
What is IFSC Code?
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to identify bank branches for electronic fund transfers in India. The structure is fixed:
- First 4 characters: Bank identifier (letters). Example: PUNB = Punjab National Bank.
- 5th character: Always zero (0), reserved for future use.
- Last 6 characters: Branch identifier (alphanumeric). Example: MBGB06 is the branch part in PUNB0MBGB06.
The IFSC uniquely points to a specific branch in the banking system. MICR codes are different: a 9-digit numeric code used for cheque clearing within the banking network.
How to Use IFSC Code
Use the IFSC when adding a beneficiary or making a transfer via internet banking, mobile banking or a bank branch. Steps:
- Open your bank’s transfer form (NEFT, RTGS, or IMPS) or beneficiary addition screen.
- Select transfer type (NEFT for standard transfers, RTGS for real‑time high‑value, IMPS for immediate mobile/online 24×7 transfers).
- Enter beneficiary name exactly as bank records show and the beneficiary account number.
- Enter the IFSC: PUNB0MBGB06 for Bihar Gramin Bank, Tardiha branch.
- Enter the amount and an optional remark. Verify all details, then confirm/authorize the transfer using your OTP or bank PIN.
- After transfer, keep the transaction reference or UTR for tracking. If there is a mismatch, contact the beneficiary bank with the UTR.
Where to find IFSC: printed on chequebooks, passbooks, bank branch counters, and official bank statements. Always verify the code with the beneficiary before sending funds.
Benefits of Knowing the IFSC
- Ensures funds reach the correct branch and account without delay.
- Reduces risk of failed transactions and subsequent reconciliation work.
- Needed to add beneficiaries in internet/mobile banking and third‑party apps.
- Required for receiving electronic credits like salary, refunds or government payments.
- Helps customer service and branch staff locate the account quickly using UTR and IFSC.
Contact
Branch Phone: 9297954940
Branch Address: Tardiha, MADHUBANI, 847408
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll Free: 18001807777
FAQs
Q: Can I use the old UBGB or DBGB IFSC for transfers?
A: No. Old UBGB/DBGB IFSC codes have been revoked. Use the current IFSC PUNB0MBGB06 for transfers routed under Punjab National Bank.
Q: What happens if I enter a wrong IFSC but correct account number?
A: If the IFSC and account number do not match a valid branch-account mapping, the transaction may fail or be returned. If it seems to have gone through to the wrong beneficiary, contact your bank immediately with the transaction reference (UTR) to initiate recovery steps.
Q: Which transfer method should I use—NEFT, RTGS or IMPS?
A: Use IMPS for instant, low-value transfers any time of day. NEFT is suited to routine transfers and operates in electronic settlement cycles (note: many banks now offer near‑real‑time NEFT). RTGS is for immediate settlement of high‑value payments. Check your bank’s app for availability and any limits.
Q: Where can I verify the IFSC before sending funds?
A: Verify IFSC on the beneficiary’s bank passbook, cheque leaf, or by calling the branch (9297954940). Confirm with the beneficiary and, if needed, with the bank’s toll‑free number 18001807777.
Q: Is MICR code required for electronic transfers?
A: No. MICR (9 digits) is primarily used for cheque processing. For NEFT/RTGS/IMPS, IFSC is mandatory. The Tardiha branch MICR is 800811002.
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.