The Bihar Gramin Bank branch at Bagdov is located in Bagdov village, Begusarai district, Bihar — PIN 851129. This IFSC information matters when you move money electronically. The IFSC code identifies the exact bank branch for fund transfers over NEFT, RTGS and IMPS. Using the correct code ensures money goes to the intended account and avoids delays or failed transfers.
Branch Details Table
| Bank Name | Bihar Gramin Bank |
| Branch Name | Bagdov |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 3822 |
| Branch Address | Bagdov, Begusarai, 851129, 8102920480 |
| Contact Number | 8102920480 |
| City | Begusarai |
| District | Begusarai |
| Reason | BEGUSARAI |
| Pincode | 851129 |
| State | Bihar |
Merger Update
Important: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged under Punjab National Bank. All the merged rural branches, including those previously operating under UBGB/DBGB, now use a single IFSC: PUNB0MBGB06 (assigned by Punjab National Bank).
Old UBGB/DBGB IFSC codes have been revoked. For any NEFT, RTGS or IMPS transfer to Bagdov (or other merged branches), use only PUNB0MBGB06. Transactions attempted with revoked IFSCs will fail or be delayed and require manual correction.
What is IFSC Code?
The IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to route electronic payments to a specific bank branch.
- First 4 characters = bank identifier. Example: PUNB = Punjab National Bank.
- 5th character = 0 (reserved for future use).
- Last 6 characters = branch identifier (can be letters and/or digits). Example: in PUNB0MBGB06, the last 6 are MBGB06.
Note: The last 6 characters are not necessarily the same as the branch code shown in bank documents (here branch code = 3822). They are a separate identifier used in the payments system.
How to Use IFSC Code for NEFT, RTGS and IMPS
- Step 1 — Confirm details: Get the beneficiary name, account number, bank name and IFSC PUNB0MBGB06. Also confirm the branch address if needed.
- Step 2 — Add beneficiary: In your bank’s netbanking or mobile app, go to Add Beneficiary. Enter the account number, beneficiary name and IFSC exactly as given. Select the bank/branch if the UI asks.
- Step 3 — Verify: Approve the addition using OTP or bank’s security method. Some banks have a cooling period (a few minutes to a few hours) before the beneficiary becomes active.
- Step 4 — Choose transfer method:
- IMPS — Immediate and available 24×7 on most platforms for small to medium amounts (subject to bank limits).
- NEFT — For any amount; used widely for routine transfers. Many banks provide continuous NEFT but check your bank’s interface for batch details.
- RTGS — For high-value payments. Banks often use RTGS for larger transfers; check your bank’s minimum threshold (commonly around ₹2 lakh, but rules can vary or change).
- Step 5 — Initiate transfer: Enter amount, purpose, and choose NEFT/RTGS/IMPS. Review account number and IFSC carefully before confirming.
- Step 6 — Confirm & track: Approve with OTP. Save reference number and check the beneficiary bank and transaction status if any delay occurs.
Benefits of Knowing the IFSC
- Directs funds to the correct branch and avoids misrouting.
- Required to add beneficiaries for online NEFT, RTGS or IMPS transfers.
- Helps verify branch identity during phone or written instructions.
- Speeds up reconciliation for businesses and payroll systems.
- Essential when filling bank transfer forms or authorisations.
Contact
Branch phone no: 8102920480
Branch Address: Bagdov, Begusarai, 851129
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777
FAQs
Q: Is PUNB0MBGB06 the only valid IFSC now for this Bagdov branch?
A: Yes. After the merger into Punjab National Bank, PUNB0MBGB06 is the valid IFSC. Any old UBGB or DBGB IFSCs are revoked for electronic transfers.
Q: What happens if I enter the wrong IFSC but correct account number?
A: Most systems use both account number and IFSC. If IFSC points to a different bank/branch, the transfer may fail or be returned. If it goes to a different branch within the same bank, funds could be routed incorrectly and require a recall process. Always double-check both account number and IFSC.
Q: How can I verify this IFSC before sending money?
A: Confirm with the beneficiary, check the printed bank passbook or cheque leaf (if available), or call the branch at 8102920480. Use the IFSC exactly: PUNB0MBGB06.
Q: Are NEFT/RTGS/IMPS available 24×7 for this branch?
A: Most banks support online NEFT and IMPS around the clock, and many support RTGS 24×7. However, actual availability, cut-off times and charges depend on your bank’s platform. If you need guaranteed timing for a large payment, confirm with your bank first.
Q: If a transfer fails or is sent to a revoked IFSC, how long before I get a refund?
A: Timeframes vary. If a transfer fails, the amount is usually returned to the remitter automatically after reconciliation by the banks. If funds route to a wrong account, banks must investigate and may require a formal request—this can take several days to weeks depending on the case. Keep transaction references and contact your bank promptly.
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.