Terhagachh is a branch location in Kishanganj district of Bihar (PIN 855101). This page provides the Bihar Gramin Bank Terhagachh IFSC code and related branch details you need to make electronic fund transfers. IFSC codes are essential for NEFT, RTGS and IMPS transfers because they uniquely identify the bank and branch receiving funds. Using the correct IFSC prevents failed transfers and routing delays.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Terhagachh |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100700 |
| Branch Address | Terhagachh, KISHANGANJ, 855101, 9297954407 |
| Contact Number | 9297954407 |
| 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 into a single operating structure. All branches previously under UBGB or DBGB now use the unified IFSC code PUNB0MBGB06 under Punjab National Bank for electronic transfers. Old UBGB and DBGB IFSC codes have been revoked. Use only PUNB0MBGB06 for NEFT, RTGS and IMPS to avoid transaction failures.
What is IFSC Code?
The Indian Financial System Code (IFSC) is an 11-character alphanumeric code that identifies a bank branch for electronic fund transfers. The structure is:
- First 4 characters: Bank identifier (alphabetic). Example: PUNB = Punjab National Bank.
- 5th character: Always the digit 0 (reserved for future use).
- Last 6 characters: Branch identifier (letters and/or digits). Example: MBGB06 for the Terhagachh branch in the code PUNB0MBGB06.
Note: The fifth character is the digit zero (0), not the letter O. IFSC is case-insensitive but it is best to copy it exactly as provided.
How to Use IFSC Code (NEFT / RTGS / IMPS)
- Open your bank’s netbanking app or mobile banking and go to the “Funds Transfer” or “Add Beneficiary” section.
- Enter beneficiary name, account number, and the IFSC: PUNB0MBGB06. Confirm the branch name (Terhagachh) shown by the bank system to ensure match.
- Select transfer type:
- IMPS: Immediate, 24×7, best for small urgent amounts.
- NEFT: Batch-processed; available in scheduled batches (now almost continuous but may have settlement windows). Good for non-urgent transfers.
- RTGS: Real-time gross settlement for high-value transfers (usually minimum amount limits apply as per bank policy).
- Enter amount and purpose. Verify beneficiary details on screen. Small mismatch in IFSC will route funds to wrong branch or cause failure.
- Authorize the transfer using OTP, UPI PIN or netbanking credentials depending on channel. Keep the transaction reference for tracking.
- If a transfer fails or is returned, contact the sending bank and provide the transaction reference and beneficiary IFSC/Account details.
Tip: For IMPS and NEFT you must provide the IFSC. UPI does not require IFSC; it uses a virtual ID (VPA).
Benefits of Knowing the IFSC
- Ensures accurate routing of NEFT/RTGS/IMPS funds to the correct branch and account.
- Prevents delays and failed transfers caused by incorrect bank/branch details.
- Makes adding beneficiaries quick and reduces back-and-forth with the bank.
- Needed when filling forms for salaries, vendor payments, or receiving transfers from government programs.
- Useful to verify branch identity when reconciling bank statements or transaction receipts.
Contact
Branch Phone No: 9297954407
Branch Address: Terhagachh, KISHANGANJ, 855101
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll Free No: 18001807777
FAQs
Q: Is PUNB0MBGB06 the correct IFSC for Bihar Gramin Bank Terhagachh?
A: Yes. The IFSC shown for this branch is PUNB0MBGB06. Use this for NEFT, RTGS and IMPS transfers.
Q: What happens if I enter the wrong IFSC?
A: If the IFSC is wrong but the account number and bank details match a valid branch, the transfer may route to that other branch/account. If the combination is invalid, the transfer will be rejected and funds returned to the sender’s account after reconciliation. Always verify beneficiary name, account number, and IFSC.
Q: Are old UBGB or DBGB IFSC codes still valid?
A: No. Old UBGB and DBGB IFSC codes have been revoked after the merger and replaced by the single IFSC PUNB0MBGB06 under Punjab National Bank. Use only the new code for transactions.
Q: What is the difference between IFSC and MICR?
A: IFSC identifies a bank branch for electronic transfers (NEFT/RTGS/IMPS). MICR (Magnetic Ink Character Recognition) is a 9-digit code printed on cheques used primarily for cheque clearing by banks. MICR is not used for electronic fund transfers.
Q: Can I receive international transfers with IFSC?
A: No. International transfers generally require SWIFT/BIC codes plus the beneficiary bank and branch details. IFSC is for domestic Indian electronic systems. For inward foreign remittances, confirm SWIFT code and correspondent banking instructions with the bank.
Q: How quickly will a transfer reach the Terhagachh branch?
A: IMPS transfers are immediate and generally instantaneous. RTGS is immediate for high-value transfers if within cut-off times. NEFT is settled in hourly/batch windows (many banks now process NEFT in near-real time). Actual credit time depends on the originating bank and cut-off times.
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.