Bihar Gramin Bank NAVINAGAR ROAD IFSC Code

The Bihar Gramin Bank branch at Navinagar Road is located in Aurangabad district of Bihar (PIN 824303). This branch uses the IFSC code PUNB0MBGB06. IFSC codes matter because banks use them to route electronic fund transfers — NEFT, RTGS and IMPS. Entering the correct IFSC ensures money reaches the intended branch and account without delay or return.

Branch Details

Merger Update

Important: Bihar Gramin Bank areas included branches previously operating under Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). Both UBGB and DBGB have been merged and their operations now use the single IFSC code PUNB0MBGB06 under Punjab National Bank (PNB). Old UBGB and DBGB IFSC codes have been revoked. For any electronic transfer, use only the new IFSC PUNB0MBGB06. Transactions attempted with revoked IFSCs may be delayed or returned.

What is IFSC Code?

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

• First 4 characters — bank identifier (for example, “PUNB” = Punjab National Bank).
• 5th character — reserved and is always “0” (zero).
• Last 6 characters — branch identifier (unique to each branch).

Example: in PUNB0MBGB06, “PUNB” identifies the bank, “0” is the reserved digit, and “MBGB06” identifies the Navinagar Road branch in the system.

How to Use IFSC Code for NEFT, RTGS, IMPS

• Open your bank’s netbanking app or mobile banking app and go to the funds transfer section.
• Choose the transfer type: NEFT, RTGS or IMPS. (IMPS is instant and available 24×7; NEFT and RTGS availability depends on your bank’s timings — confirm with the bank.)
• Add beneficiary details: beneficiary name, account number, and IFSC. Enter PUNB0MBGB06 as the IFSC for Navinagar Road branch.
• Provide branch details (optional in many forms) and a remark/purpose if required.
• Verify the details carefully. A wrong IFSC can route funds to a different branch or cause rejection.
• Confirm and authenticate the transaction using OTP or bank token.
• Save the beneficiary if you will send funds again. For first-time addition, banks sometimes place a cooling period for security.

Note: Transaction limits, settlement speeds and charges vary by bank and transfer type. Check your bank’s specific NEFT/RTGS/IMPS limits and cut-off times before sending large amounts.

Benefits of Knowing the Correct IFSC

• Ensures funds reach the exact branch and account without manual intervention.
• Prevents delays caused by incorrect routing or manual reconciliation.
• Required for adding beneficiaries in netbanking and mobile apps.
• Helps customer support locate and trace transactions faster if issues arise.
• Reduces risk of return charges or reversal procedures when transfers fail.

Contact

Branch Phone: 9771464117

Branch Address: NAVINAGAR ROAD, Aurangabad, 824303

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

Toll free: 18001807777

FAQs

• Q: How do I confirm this IFSC before transferring money?
  A: Confirm IFSC on a recent bank passbook page, a cheque leaf, the branch noticeboard, or by calling the branch number 9771464117. Always use the IFSC shown as PUNB0MBGB06 for Navinagar Road.
• Q: Can I use an old UBGB or DBGB IFSC to transfer funds?
  A: No. Old UBGB and DBGB IFSCs have been revoked after the merger. Use only PUNB0MBGB06. Transfers with revoked codes may be returned or delayed.
• Q: What happens if I enter the wrong IFSC?
  A: If the wrong IFSC still maps to a valid branch, funds may be credited to another account. If the IFSC is invalid, the transfer will be rejected and returned to your account. Contact your bank immediately to trace and recover funds.
• Q: Is IFSC the same as MICR?
  A: No. IFSC is used for electronic transfers. MICR (Magnetic Ink Character Recognition) code is used for cheque processing. For Navinagar Road the MICR is 800811002.
• Q: Where can I change or update beneficiary IFSC if it has changed due to merger?
  A: Edit the beneficiary in your netbanking or mobile banking app. If the bank requires re-validation after a merger, remove and re-add the beneficiary using the new IFSC PUNB0MBGB06 and complete any mandated cooling period or verification steps.

Kriti Kumari

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.