Bihar Gramin Bank Babhangama IFSC Code

Babhangama is a village in Banka district, Bihar (PIN 813103). The local Bihar Gramin Bank branch there handles retail and remittance needs for nearby residents and small businesses. For electronic fund transfers — NEFT, RTGS and IMPS — the branch’s IFSC code is essential. The IFSC uniquely identifies the bank and branch so payments route correctly and settle without delay.

Branch Details

Merger Update

Bihar Gramin Bank’s branches previously under Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) now operate under Punjab National Bank (PNB). The merged entities use a single IFSC: PUNB0MBGB06. Old UBGB or DBGB IFSC codes have been revoked. For NEFT, RTGS and IMPS transfers to Babhangama branch, use only the new IFSC PUNB0MBGB06. Transactions sent to deprecated IFSCs will fail or be returned.

What is IFSC Code?

The Indian Financial System Code (IFSC) is an 11-character alphanumeric identifier used to route electronic payments to the correct bank branch. Its structure is:

• First 4 characters — bank identifier (letters). Example: PUNB for Punjab National Bank.
• 5th character — reserved and is always 0 (zero).
• Last 6 characters — branch identifier (alphanumeric). Example: MBGB06 in PUNB0MBGB06.

Total length = 11 characters. The last six uniquely identify the Babhangama branch within the bank’s network.

How to Use IFSC Code

• Open your bank’s fund transfer option (Netbanking, mobile app or ATM transfer facility).
• Choose transfer type: NEFT, RTGS or IMPS. (IMPS is instant 24×7; NEFT and RTGS have bank-specific cut-offs — RTGS for high-value transactions.)
• Enter beneficiary details: account number and name exactly as held at the beneficiary branch.
• Enter the IFSC: PUNB0MBGB06. Type it exactly; avoid trailing spaces or similar-looking characters.
• Verify MICR (if required) and branch name: Babhangama, Banka.
• Confirm amount and instruction. Check any applicable transfer limits and charges before authorizing.
• Save or note the transaction reference. For failed transfers, provide this reference to your bank for tracing.

Benefits of Knowing the IFSC

• Ensures funds reach the correct branch and account without manual intervention.
• Prevents delays and reversals caused by routing errors.
• Needed for all electronic transfers: NEFT, RTGS, IMPS and direct credit payrolls.
• Used for linking accounts to payment apps and for collecting electronic payments.
• Allows banks to trace or reconcile transactions quickly when you provide the correct IFSC and reference.

Contact

• Branch Phone No: 8102918759
• Branch Address: Babhangama, Banka, 813103
• Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll Free No: 18001807777

Frequently Asked Questions

• Q: Can I use the old UBGB IFSC for transfers to Babhangama?

  A: No. Old UBGB and DBGB IFSC codes have been revoked after the merger. Use the current IFSC PUNB0MBGB06 for all electronic transfers.

• Q: What happens if I enter a wrong IFSC but the correct account number?

  A: Most systems validate IFSC against bank and branch. If the IFSC does not match the account’s bank, the transfer will usually fail or be returned. If it somehow routes to a different branch with the same account number (rare), the bank will need to trace and resolve it. Always double-check both IFSC and account number.

• Q: Which transfer mode should I use — NEFT, RTGS or IMPS?

  A: Use IMPS for instant, low-to-medium value transfers any time. Use NEFT for regular transfers (settles in batches; usually same day). Use RTGS for high-value, immediate-settlement transfers (RTGS typically has a minimum amount threshold set by the bank).

• Q: How long does a failed or returned transfer take?

  A: If a transfer fails or is returned due to incorrect IFSC or details, banks usually reverse the amount within 3–7 working days after reconciliation. Timings can vary by bank and settlement cycles. Keep the transaction reference and contact your bank to speed tracing.

• Q: Where else can I verify the IFSC before sending money?

  A: Verify the IFSC from your bank passbook, cheque leaf, account statements, or by contacting the branch (8102918759). The bank’s official customer service or the head office toll-free number (18001807777) can also confirm the correct IFSC.

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.