The Bihar Gramin Bank branch at Mahrajganj is located in Aurangabad district, Bihar (PIN 824119). This branch uses the IFSC code to route electronic fund transfers. An accurate IFSC is essential when sending money by NEFT, RTGS or IMPS. A correct code ensures the payment reaches the right bank branch quickly and without manual intervention.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | MAHARAJGANJ |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 7114 |
| Branch Address | MAHARAJGANJ, Aurangabad, 824119, 9771464114 |
| Contact Number | 9771464114 |
| City | Aurangabad |
| District | Aurangabad |
| Reason | AURANGABAD |
| Pincode | 824119 |
| State | Bihar |
Merger Update
This branch code PUNB0MBGB06 reflects the merger of local regional rural banks with Punjab National Bank. Specifically, Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged under Punjab National Bank’s platform. After the merger, the consolidated IFSC PUNB0MBGB06 is used for transactions. The old UBGB and DBGB IFSC codes have been revoked and will no longer work for NEFT/RTGS/IMPS. Always use PUNB0MBGB06 for transfers to this Mahrajganj branch.
What is IFSC Code?
The IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to route electronic payments between banks in India. The structure is fixed:
- First 4 characters: identify the bank (alphabetic). Example: PUNB = Punjab National Bank.
- 5th character: always 0 (reserved for future use).
- Last 6 characters: identify the specific branch (alphanumeric). Example: MBGB06 in PUNB0MBGB06 identifies the merged regional-branch code.
So in PUNB0MBGB06: PUNB = bank, 0 = reserved, MBGB06 = branch identifier.
How to Use IFSC Code
Follow these steps when sending money by NEFT, RTGS or IMPS:
- Open your bank’s netbanking site or mobile app. Choose “Funds Transfer” or “Add Beneficiary.”
- Enter the beneficiary’s account name and exact account number.
- Enter the beneficiary bank’s IFSC: PUNB0MBGB06. Double-check each character.
- Select the transfer method: NEFT, RTGS or IMPS. (Choose RTGS only if your bank requires it and the amount and bank rules permit.)
- Enter the transfer amount and a purpose or remark if required.
- Verify beneficiary details before confirming. Save a copy of the transaction reference after completion.
Practical tips:
- Verify IFSC from a printed cheque leaf, passbook, or the bank’s official communication if possible.
- If you are adding a beneficiary for the first time, banks often impose a cooling period (e.g., a few hours to days) before transfers are allowed.
- Keep the transaction reference and timestamp. If a problem occurs, the bank will need this information to trace the payment.
Benefits of Knowing the IFSC
- Ensures accurate routing of NEFT/RTGS/IMPS payments to the intended branch.
- Reduces delays caused by manual intervention or incorrect branch identification.
- Helps you verify beneficiary details when adding payees in internet banking or UPI apps.
- Enables faster problem resolution with the bank if a transfer doesn’t go through.
- Shows which bank and branch will receive the funds, useful for reconciliation and record-keeping.
Contact
Branch phone no: 9771464114
Branch Address: MAHARAJGANJ, Aurangabad, 824119
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777
FAQs
Q: How do I confirm that PUNB0MBGB06 is correct for Mahrajganj?
A: Check the branch passbook, a cheque leaf, or confirm with the branch by phone (9771464114). After the UBGB/DBGB merger, the official code to use is PUNB0MBGB06.
Q: What happens if I enter a wrong IFSC but the correct account number?
A: If the IFSC points to a different branch, the payment may still reach if that branch has the matching account number. If the combination is invalid, the transaction will fail or be returned. Reversal times vary; contact your bank with the transaction reference.
Q: Is MICR code needed for online transfers?
A: No. MICR (e.g., 800811002) is used for cheque clearing and currency processing. For NEFT/RTGS/IMPS, IFSC is the required code.
Q: Can one IFSC be used for multiple branches?
A: Normally each branch has a unique IFSC. After mergers, multiple legacy branches may be mapped to a single new IFSC (as happened when UBGB and DBGB were consolidated under PUNB0MBGB06). Always use the current, active IFSC provided by the bank.
Q: My transfer is pending. How long before funds are credited?
A: Settlement times depend on the transfer type and the banks involved. If a transfer is pending beyond the expected window, contact your bank with the transaction reference. Provide date, amount and beneficiary details so they can trace and resolve the issue.
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.