The Bihar Gramin Bank branch at UPHARA is located in Aurangabad district of Bihar (PIN 821119). This page gives the branch details you need for electronic fund transfers. An accurate IFSC code is required for NEFT, RTGS and IMPS transfers. Banks and payment systems use the IFSC to route your payment to the correct bank and branch. Using the wrong code can delay the transfer or cause it to be returned.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | UPHARA |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 7130 |
| Branch Address | UPHARA, Aurangabad, 821119, 9771464130 |
| Contact Number | 9771464130 |
| City | Aurangabad |
| District | Aurangabad |
| Reason | AURANGABAD |
| Pincode | 821119 |
| State | Bihar |
Merger Update
This branch operates under the consolidated structure following regional bank reorganisations. Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged into the current arrangement. All branches now use the single IFSC code PUNB0MBGB06 under Punjab National Bank sponsorship for electronic transfers. Old UBGB IFSC codes have been revoked. Only the new IFSC code PUNB0MBGB06 is valid for NEFT, RTGS and IMPS transactions.
What is IFSC Code?
The IFSC (Indian Financial System Code) uniquely identifies a bank branch for digital payments. Its format has 11 characters:
- First 4 characters: alphabetic bank code (example: PUNB for Punjab National Bank).
- 5th character: always the digit 0 (reserved).
- Last 6 characters: alphanumeric branch identifier (example: MBGB06 in PUNB0MBGB06).
So in PUNB0MBGB06, PUNB is the bank, 0 is reserved, and MBGB06 specifies the branch unit.
How to Use IFSC Code for NEFT, RTGS and IMPS
Follow these steps when making a transfer from internet banking, mobile app or at a bank branch:
- Select the transfer type: NEFT, RTGS (for high value), or IMPS (immediate).
- Add or select beneficiary. Enter the beneficiary name exactly as on their bank account.
- Enter the beneficiary account number.
- Enter the IFSC: PUNB0MBGB06 for Bihar Gramin Bank, UPHARA branch.
- Specify the amount and, if prompted, choose the transfer speed (NEFT/RTGS/IMPS options shown by your bank).
- Review details carefully. Confirm and authenticate the payment (OTP, token or transaction PIN as required).
Notes:
- IMPS is available 24×7 for immediate smaller-value transfers. Many banks also allow IMPS using MMID, but IFSC+account is the common option for interbank transfers.
- RTGS is meant for large-value transfers and is usually processed immediately; check your bank’s minimum limit for RTGS.
- NEFT is widely used for retail transfers. It is processed electronically and credited to the beneficiary according to the payment system schedule.
- If you are using a branch form, write the IFSC in the space provided. At the ATM, you will need beneficiary details from your bank’s transfer menu.
Benefits of Knowing the IFSC
- Ensures funds are routed to the correct bank and branch for NEFT, RTGS and IMPS.
- Simplifies adding beneficiaries in internet and mobile banking.
- Reduces transfer errors and delays caused by incorrect branch identification.
- Required for many payment forms: salary credits, vendor payments and online purchases.
- Helps customer service verify account routing for returns and reconciliations.
Contact
Branch Phone: 9771464130
Branch Address: UPHARA, Aurangabad, 821119
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll Free: 18001807777
FAQs
Q: How do I verify that PUNB0MBGB06 is the correct IFSC for UPHARA branch?
A: Match the IFSC with the branch name, city and MICR before initiating the transfer. For UPHARA, the IFSC is PUNB0MBGB06 and MICR is 800811002. If in doubt, call the branch at 9771464130 before sending funds.
Q: What happens if I enter the wrong IFSC?
A: If the IFSC points to a valid but different branch, the payment may be routed to that branch and credited to the wrong account. If the IFSC does not exist, the payment will likely be returned. Always double-check the IFSC and account number. Contact your bank immediately if you suspect a mistake.
Q: Are old UBGB IFSC codes still usable?
A: No. Old UBGB IFSC codes have been revoked after the merger. Use the single IFSC PUNB0MBGB06 for transactions related to these merged units under Punjab National Bank.
Q: Is IFSC case-sensitive?
A: No. IFSC codes are not case-sensitive. However, enter them exactly as shown to avoid typing errors.
Q: Can I use the branch MICR instead of IFSC for an electronic transfer?
A: No. MICR is used mainly by the cheque-clearing system. For NEFT, RTGS and IMPS you must use the IFSC. MICR is useful when validating cheque processing details.
Q: How long does a transfer take after I submit it with the correct IFSC?
A: IMPS is typically instant. RTGS is processed immediately for high-value payments (bank-dependent). NEFT timings depend on processing cycles and bank cut-offs; many systems have near-instant settlement now, but some banks may take a few hours. If a transfer is delayed, contact your bank with the transaction reference number.
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.