Bihar Gramin Bank BARGAWAN IFSC Code

The Bihar Gramin Bank branch at Bargawan is located in Bargawan village, Aurangabad district, Bihar (PIN 824125). This branch serves local customers for deposits, withdrawals and fund transfers. For electronic transfers—NEFT, RTGS and IMPS—the correct IFSC code is essential. The IFSC routes payments between banks and branches. An incorrect code can delay or misroute funds, or require recovery steps that take time.

Branch Details

Bank Name	Bihar Gramin Bank
Branch Name	BARGAWAN
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	7089
Branch Address	BARGAWAN, Aurangabad, 824125, 9771464089
Contact Number	9771464089
City	Aurangabad
District	Aurangabad
Reason	AURANGABAD
Pincode	824125
State	Bihar

Merger Update

Important: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged and their operations are consolidated under Punjab National Bank (PNB). The single valid IFSC for the merged entity’s Bargawan branch is PUNB0MBGB06. Old UBGB and DBGB IFSC codes have been revoked. Use only the new IFSC for NEFT, RTGS and IMPS. Transactions attempted with old IFSCs will not be processed and will require recovery procedures.

What is IFSC Code?

The IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to identify bank branches in electronic payments. The structure is:

• First 4 characters: Alphabetic bank code (example: PUNB = Punjab National Bank).
• 5th character: Always ‘0’ (reserved for future use).
• Last 6 characters: Alphanumeric branch identifier (identifies the specific branch).

Example: For PUNB0MBGB06 — PUNB is the bank code, 0 is the reserved character, and MBGB06 identifies the Bargawan branch in the bank’s system.

MICR code (example 800811002) is different. It is used by the cheque-clearing system and is not a substitute for IFSC when doing electronic transfers.

How to Use IFSC Code

1. Log in to your bank’s internet banking or mobile app, or visit the branch or ATM fund-transfer facility.
2. Choose the transfer type: NEFT, RTGS or IMPS. (NEFT: batch settlements; IMPS: immediate; RTGS: high-value real-time — check your bank’s limits.)
3. Add a new beneficiary. Enter the beneficiary name exactly as on their account, the account number, and the IFSC PUNB0MBGB06. Select the account type (savings/current).
4. Save the beneficiary. Many banks require an authorization step (OTP or in-branch verification) before you can send money to a newly added beneficiary. Allow for any mandatory activation time.
5. Initiate the transfer. Enter the amount and purpose. Confirm details and authenticate (OTP/transaction PIN).
6. Keep the transaction reference. Verify beneficiary receives the funds. If transfer fails, contact your bank with the reference and beneficiary details.

Benefits of Knowing the IFSC

• Ensures funds reach the correct branch quickly.
• Required for NEFT, RTGS and IMPS transfers—without it online systems won’t process the payment.
• Helps customer service identify and trace transactions using the branch code.
• Prevents delays and the need for time-consuming recovery of misdirected funds.
• Acts as a verification detail when adding beneficiaries remotely.

Contact

Branch phone no: 9771464089

Branch Address: BARGAWAN, Aurangabad, 824125

Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR

Toll free no: 18001807777

FAQs

• Q: Can I use the old UBGB IFSC for a transfer?
  A: No. Old UBGB and DBGB IFSC codes have been revoked after the merger. Use only PUNB0MBGB06 for transactions to this Bargawan branch.
• Q: Where can I find the IFSC on a cheque or passbook?
  A: IFSC is usually printed on the first page of the passbook and on the cheque leaf near the MICR. Confirm the exact IFSC before initiating electronic transfers.
• Q: What if I enter the wrong IFSC while making a transfer?
  A: If the wrong IFSC points to a different valid branch, funds may credit the wrong account. If the IFSC is invalid, the transaction will usually fail and the amount will be returned. Contact your bank immediately with the transaction reference for recovery steps.
• Q: Is IFSC required for IMPS transfers?
  A: Yes. IMPS also requires the beneficiary account number and IFSC (or MMID if used). IMPS is immediate and available 24×7; bank-set limits may apply.
• Q: What is the difference between IFSC and MICR?
  A: IFSC routes electronic transfers (NEFT/RTGS/IMPS). MICR (Magnetic Ink Character Recognition) code is used for cheque clearance through the clearing house. Both identify branches but serve different systems.