In today’s fast-paced world, staying informed about your finances is crucial. For millions of customers in Bihar, managing their bank account begins with a simple yet essential task: checking their balance. Following a significant merger in May 2025, Dakshin Bihar Gramin Bank (DBGB) unified with Uttar Bihar Gramin Bank to form the new Bihar Gramin Bank (BGB). This consolidation means customers now access services under a new, unified brand while utilizing a wider network of over 2,100 branches across 38 districts. This guide provides a complete overview of all the official and convenient methods available to check your Bihar Gramin Bank account balance, ensuring you can manage your money with confidence and ease.
Key Highlights
- Legacy Services Remain Active: While the bank has merged, traditional balance enquiry services like the missed call number and mobile banking apps continue to function for existing customers.
- Multiple Channels for Every Need: From low-tech missed calls to advanced UPI apps, the bank offers solutions for customers with varying levels of digital access and comfort.
- Universal Prerequisite: Nearly every digital service requires your mobile number to be registered and updated with the bank beforehand.
- Digital Expansion Post-Merger: The new Dakshin Bihar Gramin Bank is enhancing its digital suite, including a dedicated mPassbook app and WhatsApp banking, for greater convenience.
- Free Balance Enquiries: Checking your balance via missed call, SMS, ATM, or digital apps does not incur any charges from the bank.
At a Glance: Balance Enquiry Methods for Dakshin Bihar Gramin Bank
This table compares the primary methods to help you choose the right one for your situation.
| Give a missed call to 1800 202 3001 from a registered mobile. | How It Works | Best For | Key Requirement |
|---|---|---|---|
| Missed Call Service | UPI PIN; account linked to the UPI app. | Customers without smartphones or internet; instant check. | Registered mobile number; SMS alerts active. |
| WhatsApp Banking | Send “Hi” to +91 9212038603 on WhatsApp. | Users comfortable with WhatsApp; offers mini-statements. | Smartphone with WhatsApp; internet connection. |
| mBanking App | Use “DBGB mBanking” app for balance, transfers, statements. | Full-service digital banking on smartphone. | Smartphone (Android 4.4+), app registration. |
| SMS Banking | Send a correctly formatted SMS command to a bank number. | Basic phone users; no app needed. | SMS service activation; know correct format. |
| UPI Apps | Link account on apps like PhonePe, GPay; check balance in app. | Users already making UPI payments. | UPI PIN; account linked to UPI app. |
| ATM & Branch Visit | Use RuPay card at any ATM or visit your home branch. | Withdrawing cash; needing formal statements or in-person help. | Physical debit card; branch working hours. |
Navigating the Bank Merger: What Customers Need to Know
On May 1, 2025, Dakshin Bihar Gramin Bank merged with Uttar Bihar Gramin Bank to form the unified Bihar Gramin Bank (BGB). For customers, this administrative consolidation is designed to be seamless. Your account number, debit card, and existing funds remain unchanged. There is no need to open a new account or submit fresh paperwork solely due to the name change.
During this transition, some digital systems, like the mapping in third-party UPI apps, may update gradually. If you cannot find “Dakshin Bihar Gramin Bank” or the legacy “DBGB” name immediately in your UPI app’s bank list, it is advised to try again after 24 hours or update your UPI app to the latest version. The bank’s official website is now accessible at https://bgb.bank.in.
Crucially, all existing balance check numbers and services, such as the missed call facility and mobile banking apps, continue to operate without interruption for legacy customers. This ensures you can manage your finances without hassle during the integration period.
Detailed Guide to All Balance Enquiry Methods
1. Instantly Check Balance via Missed Call & SMS
This is one of the simplest and most widely used methods, requiring only a basic mobile phone.
- How to Use the Missed Call Service: From your mobile number registered with the bank, simply give a missed call to the toll-free number 1800 202 3001. The call will disconnect automatically after a ring or two. Within seconds, you should receive an SMS on the same number stating your current account balance.
- How to Use SMS Banking: For more functionality, you can use specific SMS commands. While the exact format for BGB may follow typical banking patterns (like BAL a designated number), it is critical to get the correct command from your branch or the official bank website. A common format used by other banks involves sending an SMS
BAL <Last 4 digits of Account Number>to a specific number. Activating this service may require a visit to your branch. - Troubleshooting: If you do not receive the balance SMS, the most common reason is that SMS alerts are not activated on your account. This can be resolved by visiting your home branch and requesting to activate mobile alerts. Also, ensure you are calling from the correct registered number and that your phone has an active network signal and plan.
2. Digital Banking: WhatsApp, UPI, and Mobile Apps
For smartphone users, the bank offers several convenient and feature-rich options.
- WhatsApp Banking: A highly accessible service for over 2 billion users. To begin, save the number +91 9212038603 as a contact (e.g., “BGB Bank”). Open WhatsApp, start a chat with this contact, and send the word “Hi”. You will receive a menu of services. Follow the interactive prompts, which typically involve verifying your identity via OTP, to check your balance or even get a mini-statement of recent transactions.
- Linking with UPI Apps: You can link your Bihar Gramin Bank account to any Unified Payments Interface (UPI) app like PhonePe, Google Pay, or Paytm.
- Open your preferred UPI app and navigate to the “Add Bank Account” section.
- Select “Bihar Gramin Bank” or “Dakshin Bihar Gramin Bank” from the list.
- Verify your account using your debit card details (card number, expiry, CVV) and the ATM PIN.
- Once linked, you can set a UPI PIN. To check your balance, go to the app’s profile or bank account section, select your BGB account, and choose “Check Balance”—you will need to enter your UPI PIN for authentication.
- Official Mobile Banking Apps: The bank provides two main apps:
- DBGB mBanking: This is the full-service mobile banking application, available on the Google Play Store. It allows you to check balances for operative, loan, and deposit accounts, view mini-statements, transfer funds, and more. Registration usually requires filling out a form at the branch or using your debit card details online.
- BGB mPassbook: This app provides a digital version of your physical passbook. A significant advantage is that you do not need to be a mobile banking user to register for mPassbook. You can download it, register with your customer ID, and view all transactions and your current balance anytime.
3. Traditional Methods: ATM, Branch, and Customer Care
When digital means are not an option, these reliable methods are always available.
- ATM Balance Enquiry: Use your Bihar Gramin Bank RuPay debit card at any ATM. Insert your card, enter your secret PIN, and select the “Balance Enquiry” option. Your available balance will be displayed on screen, and you can choose to get a printed receipt.
- Visit Your Branch: You can always visit your home branch or any nearby Bihar Gramin Bank branch. For a quick update, get your passbook updated at the passbook printing kiosk or counter. For a formal document, you can request an account statement from a teller.
- Customer Care Helpline: For assistance, you can call the bank’s customer care number. The toll-free number 18001807777 can be used for general enquiries and support. For balance-specific checks via phone, you may be directed to an automated IVR (Interactive Voice Response) system after verifying your identity.
Proactive Account Management and Security
Regularly checking your balance is a cornerstone of good financial health. It helps you avoid declined payments due to insufficient funds, track automatic deductions for EMIs or subscriptions, and promptly monitor for any unauthorized transactions.
Always prioritize security. Never share your UPI PIN, mobile banking password, or debit card PIN with anyone, including individuals claiming to be bank staff. The bank will never call or message you asking for these details. Use official apps downloaded from the Google Play Store or Apple App Store, and be cautious of fraudulent SMS or calls.
Resolving Common Issues
- Problem: The missed call service does not send an SMS.
- Solution: Ensure SMS alerts are activated at your branch. Use the correct registered number.
- Problem: Cannot find Bihar Gramin Bank in a UPI app.
- Solution: This can occur post-merger. Wait 24 hours, update your UPI app, or temporarily try another app.
- Problem: Mobile banking app login fails.
- Solution: Ensure you are using the correct Customer ID (often found on your passbook). Reset your password using the ‘Forgot Password’ feature, which may involve debit card verification.
- Problem: Need an official balance certificate.
- Solution: Digital methods provide information, but for legal or official purposes, you must visit your branch to obtain a stamped and signed balance certificate or statement.
By understanding and utilizing these various methods, customers of Bihar Gramin Bank can effortlessly stay in control of their finances, choosing the right tool for every situation in our evolving digital banking landscape.
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