Uttar Bihar Gramin Bank

If you’ve lived in North Bihar, you’ve probably seen Uttar Bihar Gramin Bank (UBGB) everywhere—on market roads, near the mandi, next to the bus stand, and in tiny Bank Mitra kiosks that stay open even when the branch is far away. For years, UBGB has been the place people go to open their first account, take a small loan for seeds or a scooter, or send money home.

Now there’s one big change: UBGB and Dakshin Bihar Gramin Bank have come together as one—Bihar Gramin Bank. New name, bigger reach, same simple promise: banking that understands village life, crop cycles, and the way money really moves here.

First things first: do I need to worry?

No. Your money is safe. Your account doesn’t disappear. The branch staff you know are still your people. What will gradually change are the name boards, passbooks, cheque leaves, and sometimes the IFSC code. When it’s your turn to switch, your branch will tell you—clearly. Till then, carry on as usual.

Why this merger actually helps you

Think of it like joining two strong hands to lift a heavier load.

• One bank across Bihar: Easier transfers, same service rules, fewer “your district vs my district” headaches.
• Bigger network, stronger tech: More ATMs/BC outlets, smoother AEPS/UPI/NEFT, faster problem-solving.
• Same heart, more muscle: The focus on small savers, farmers, self-help groups, and micro-businesses doesn’t change—now it just reaches farther.

What might change (and what to do)

• Passbook & chequebook: When your branch invites you, pick up the new ones with the new bank name.
• IFSC code: Some branches get new IFSCs. Your branch will tell you when to update it for salary, subsidy, EMI, SIPs, or billers.
• Branding: Signboards, forms, and SMS alerts will start saying Bihar Gramin Bank.

Tip: When you get the new IFSC, update it in places that send you money (employer, government benefits) and places where you pay automatically (loans, SIPs). It’s a 10-minute chore that saves a lot of headache later.

What stays the same (and why that’s good)

• Everyday channels: Branch counters, Bank Mitra/BC, AEPS (Aadhaar fingerprint), NEFT/IMPS, RuPay card, missed-call balance—all the familiar rails remain.
• Products you use:
  • Savings for school fees and rainy days
  • Basic zero-balance accounts for first-time users
  • Recurring deposits you can fit into a weekly budget
  • Fixed deposits with monthly/quarterly interest for steady income
  • Kisan Credit Card (KCC) for seeds, fertilizer, and harvest costs
  • SCC/GCC for tiny shops, artisans, and service folks
  • Gold loans when life throws a surprise
  • Home, vehicle, and small business loans sized to your cash flow

A bank that speaks your language

A lot of banking words feel like they were written for big cities. Bihar Gramin Bank tries to keep things closer to home:

• You earn unevenly? Choose an EMI date that matches your crop sale or salary day.
• You keep records in a diary? That’s fine. Bring it. It helps the banker see your real cash cycle.
• You’re new to loans? Start small, repay clean, step up next time. That’s how many shopkeepers and farmers grew.

What to do, depending on your need

I just want to check my balance.
Use what you already know: missed call from your registered number, ATM balance enquiry, AEPS at a Bank Mitra, or branch passbook update.

I want to open my first account.
Carry Aadhaar, PAN (or Form 60), photos, and a local address proof. If you’re unsure what to pick, start with a Basic Savings Account—zero balance, simple features.

I need money for the farm—now.
Ask about Kisan Credit Card (KCC). It’s a revolving limit: draw for inputs, repay after sale, possibly get interest benefits for timely repayment.

I run a tiny business and need working capital.
SCC (Swarojgar Credit Card) or GCC (General Credit Card) keeps it light—less collateral, smaller tickets, faster cycles.

I want to save—but small.
Pick Recurring Deposit. Even a few hundred rupees a month adds up. Want flexibility? Ask for Flexi RD.

I need a bigger loan (home/vehicle/business).
The bank will look at your income and repayment capacity. Don’t be shy—bring whatever proofs you have: sales slips, mandi receipts, rent agreements, school fee receipts—real life counts.

Simple safety rules that save you trouble

• Never share PIN, OTP, or full card details with anyone—even if they say they’re from the bank.
• At ATMs, cover the keypad. At BC points, make sure you see the bank/AEPS screen and get a receipt or message.
• Keep your mobile number updated. Without it, you miss alerts and face delays.

A quick, friendly FAQ

Will my old cheques stop working overnight?
No. There’s usually a grace period. But once you receive new cheques, start using them and finish the old ones soon.

What if my IFSC changes and I forget to update somewhere?
Sometimes payments bounce back to the sender. Update as soon as your branch confirms the new IFSC and you’ll be fine.

Are loan rates and charges changing?
Your existing loan follows its sanction terms. New loans may have updated rates. Just ask your branch for the latest sheet—no surprises.

Can I still use AEPS and my RuPay card like before?
Yes. These are core services. If something fails on a given day, it’s usually a network hiccup—try again or ask the branch.

I’ve never taken a loan. Will the bank even consider me?
Absolutely. Start with what you can repay comfortably. Clean track record opens bigger doors next time.

The heart of it

A good bank in a rural area is more than a counter and a form. It’s a neighbour who knows the harvest came late this year, a cashier who tells you which slip to fill, a Bank Mitra who’ll stay open a little longer so you can make it after the field. That spirit built Uttar Bihar Gramin Bank. The same spirit now powers Bihar Gramin Bank—just with a wider reach and stronger rails.

So keep doing what you’ve always done: save a little, borrow wisely, repay on time, ask questions when you’re unsure. The name on the board may be new, but the promise to stand with you—through flood, festival, or a fresh start—stays exactly the same.