Bihar Gramin Bank UMGA IFSC Code

The UMGA branch of Bihar Gramin Bank is located in Aurangabad, Bihar. For any online money transfers to an account at this branch, you need a specific code called the Indian Financial System Code (IFSC). This 11-character code is essential for directing funds correctly through systems like National Electronic Funds Transfer (NEFT), Real-Time Gross Settlement (RTGS), and Immediate Payment Service (IMPS). Without the correct IFSC code, your transaction could be delayed, rejected, or sent to the wrong branch.

Branch Details

Important Merger Update

Bihar Gramin Bank was formed by the amalgamation of two separate regional rural banks: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). Following this merger, the new entity is sponsored by Punjab National Bank (PNB). As a result, all old IFSC codes belonging to the former UBGB and DBGB are now invalid and have been revoked. All branches, including UMGA, now use a new IFSC code format that starts with ‘PUNB’. It is critical to use only the new IFSC code, PUNB0MBGB06, for any transactions to the UMGA branch to ensure they are processed correctly.

What is an IFSC Code?

The IFSC code is a unique 11-character alphanumeric code assigned by the Reserve Bank of India (RBI) to every bank branch participating in the electronic funds transfer network. This code helps identify the specific branch involved in a transaction, ensuring the money reaches the correct destination. The structure is consistent across all banks.

Let’s break down the UMGA branch IFSC code, PUNB0MBGB06:

• PUNB: The first four letters represent the bank. In this case, ‘PUNB’ stands for Punjab National Bank, the sponsor bank for Bihar Gramin Bank.
• 0: The fifth character is always a zero. It is reserved for future use.
• MBGB06: The last six characters identify the specific branch. For this branch, it is ‘MBGB06’, uniquely identifying the UMGA branch.

How to Use the IFSC Code for Fund Transfers

Using the IFSC code for an online transfer is straightforward. Whether you are using a mobile banking app or a web portal, the steps are generally the same for NEFT, RTGS, or IMPS transactions.

1. Log in to your internet banking or mobile banking application.
2. Navigate to the ‘Fund Transfer’ section and select ‘Add Beneficiary’ or ‘Add Payee’.
3. Enter the recipient’s account details, including their name, account number, and bank name.
4. You will be asked to provide the IFSC code of the recipient’s bank branch. For the UMGA branch, you would enter PUNB0MBGB06.
5. After the beneficiary is successfully added, you can initiate a transfer by entering the amount and confirming the transaction.

Benefits of Using the Correct IFSC Code

• Accuracy: It ensures that your money is routed to the exact bank branch intended, eliminating confusion between branches with similar names.
• Efficiency: Correct codes enable automated processing, which makes transactions faster and reduces the chance of manual errors.
• Security: The system provides a secure and reliable channel for transferring funds electronically, minimizing risks associated with physical cash handling.
• Reduced Failures: Using the right IFSC code significantly lowers the probability of transaction rejections or delays.

Contact Information

For any direct queries or assistance, you can reach out to the branch or the head office.

• Branch Phone Number: 7485096858
• Branch Address: UMGA, Aurangabad, Bihar – 824208
• Head Office Address: Shri Vishnu Commercial Complex, Asochak, Patna – 800030, Bihar
• Toll-Free Number: 1800-180-7777

Frequently Asked Questions

Can I still use my old Dakshin Bihar Gramin Bank (DBGB) IFSC code?

No. All old IFSC codes from both Dakshin Bihar Gramin Bank and Uttar Bihar Gramin Bank are no longer valid. You must use the new IFSC code starting with ‘PUNB’ for all transactions.

Why does the IFSC code for Bihar Gramin Bank start with ‘PUNB’?

‘PUNB’ represents Punjab National Bank. PNB is the sponsor bank for Bihar Gramin Bank after the merger, so its identifier is used in the new IFSC codes.

Is the IFSC code PUNB0MBGB06 the same for all branches of Bihar Gramin Bank?

No. While the first four letters (‘PUNB’) are common for the sponsor bank, the last six characters are unique to each branch. PUNB0MBGB06 is specifically for the UMGA branch.

What happens if I enter the wrong IFSC code?

If the IFSC code you enter does not exist, the transaction will likely be rejected immediately. If it corresponds to another branch of the same bank, the funds could be delayed while the bank reroutes them, or the transaction may be reversed. In a worst-case scenario, if the account number also exists at the wrong branch, the funds could be misdirected.

Where can I find the IFSC code for my branch?

You can find your branch’s IFSC code printed on your chequebook and passbook. It is also available on the bank’s official website or by contacting your branch directly.

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.