Blog

Buying a car is often the most practical way to meet family and work needs in Bihar. A car loan from Bihar Gramin Bank can cover most of the purchase price for a new or nearly-new used vehicle. Below I explain what this loan typically finances, who can apply, the money involved, costs to expect, … Read more

Bihar Gramin Bank’s implementation of the PMAY-CLSS (Credit Linked Subsidy Scheme) makes buying or building a first home cheaper for low-income families. It does this by giving an upfront subsidy on the housing loan. Below I explain who can get it, where it applies, what costs are covered, how the subsidy is calculated, and the … Read more

Bihar Gramin Bank Housing Loan turns the money you pay in rent into a home loan EMI. Instead of giving your landlord monthly rent, you pay toward your own home. This guide explains what the loan solves, who can apply, what it can be used for, how much you can borrow, security and margin rules, … Read more

The merger of Uttarbihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) into a single Bihar Gramin Bank from 01.05.2025 matters because it changes how rural banking services in Bihar are organised and delivered. For customers it affects where accounts are managed, how technology and service standards are applied, and how communication and problem-resolution … Read more

Bihar Gramin Bank, like many Indian banks, now uses cheque truncation and e-cheque processing to clear cheques without moving the original paper across cities. Instead of physically carrying a cheque from the branch where it was deposited to the drawer’s bank, the bank captures a high-resolution image and the MICR data, transmits them electronically, and … Read more

Bihar Gramin Bank lets customers set up recurring debits in two common ways: the traditional ECS (Electronic Clearing Service) / NACH route and the newer digital e-mandate (electronic mandate) process. Both let a third party — a lender, insurer, utility company or mutual fund house — debit your account automatically. But whether you can do … Read more

If you want a safe place for jewellery, documents or other valuables, a bank locker is a simple option. Bihar Gramin Bank (BGB) offers locker facilities at many of its branches across rural and semi-urban Bihar. This article explains how those lockers work: where you can get one, what sizes exist, what you pay, the … Read more

Bank mergers in India often lead to changes in customer account details, especially the IFSC code used for online banking. One such change occurred with the amalgamation of Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) into a single entity known as Bihar Gramin Bank, sponsored by Punjab National Bank (PNB). This … Read more

Bihar Gramin Bank, like many regional rural banks in India, links insurance products to its deposit and loan accounts. These linked schemes can include low-cost government plans and bank-arranged group covers for life, accident, health or loan protection. Knowing which plans are available, who qualifies, what they actually cover, and how to claim helps you … Read more

Bihar Gramin Bank offers multiple electronic payment options — UPI, IMPS, RTGS and NEFT — to move money quickly. Each option works differently, has different limits, and uses layered security. This article explains how those payment modes work at a practical level, what limits and charges you can expect, how to set them up and … Read more