Bihar Gramin Bank RO Begusarai IFSC Code

Bihar Gramin Bank RO Begusarai is in Begusarai city, Begusarai district, Bihar (pincode 851101). This branch handles retail and rural banking for local customers. For electronic fund transfers such as NEFT, RTGS and IMPS you must supply the correct IFSC code. The IFSC uniquely identifies the bank and branch in the RBI payment systems and directs funds to the intended account. Using the wrong IFSC or branch details can delay or misroute payments.

Branch Details

Bank Name	Bihar Gramin Bank
Branch Name	RO Begusarai
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	3003
Branch Address	RO Begusarai, Begusarai, 851101, 8102918633
Contact Number	8102918633
City	Begusarai
District	Begusarai
Reason	BEGUSARAI
Pincode	851101
State	Bihar

Merger Update

This branch now operates under the single IFSC code PUNB0MBGB06 provided by Punjab National Bank (PNB). The former Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged into Bihar Gramin Bank and brought under PNB’s IFSC mapping. Old UBGB and DBGB IFSC codes have been revoked. Only the new IFSC PUNB0MBGB06 is valid for NEFT, RTGS and IMPS transactions. Always confirm the IFSC before sending funds.

What is IFSC Code?

IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code used by RBI payment systems to route electronic payments. The structure is:

• First 4 characters – bank code (letters). Example: PUNB = Punjab National Bank.
• 5th character – reserved and is always 0.
• Last 6 characters – branch identifier (alphanumeric). Example: in PUNB0MBGB06, MBGB06 identifies the branch mapping.

The IFSC is different from the MICR code. MICR (Magnetic Ink Character Recognition) like 800811002 is used mainly for cheque clearing.

How to Use IFSC Code

Steps to make NEFT, RTGS or IMPS transfers using this IFSC:

1. Open your bank’s netbanking, mobile app or visit your branch. Choose NEFT, RTGS or IMPS depending on urgency and amount.
2. Enter beneficiary name exactly as in their bank account records.
3. Enter beneficiary account number carefully.
4. Type the IFSC: PUNB0MBGB06. Do not substitute or truncate it.
5. Enter the transfer amount and purpose. For RTGS, check your bank’s minimum amount (often used for larger transfers).
6. Verify all details on the confirmation screen. Authorize the transaction using OTP, token or other bank authentication.
7. Save the transaction reference or UTR number. Use it to track or query the transfer if needed.

Notes: NEFT is normally processed in settlement batches (now available 24×7 in many systems). RTGS clears in real time and is for high-value transfers. IMPS is instant and available 24×7 for eligible amounts. Check your bank for specific cut-offs and charges.

Benefits of Knowing the IFSC

• Ensures funds reach the correct branch and account without delay.
• Required for all electronic transfers: NEFT, RTGS and IMPS.
• Makes online payments and salary credits smoother.
• Helps bank staff and clearing systems identify branch-level routing.
• Reduces the chance of failed transfers and related follow-ups.

Contact

Branch Phone: 8102918633
Branch Address: RO Begusarai, Begusarai, 851101
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free: 18001807777

FAQs

Q: I have an old UBGB IFSC for a beneficiary. Can I use it?
A: No. Old UBGB IFSC codes have been revoked after the merger. Use the new IFSC PUNB0MBGB06 for RO Begusarai transactions.

Q: What happens if I enter the wrong IFSC?
A: If the IFSC does not match the account’s bank and branch, the payment may fail or be returned. In some cases funds can be routed to a wrong branch if account number and IFSC combination exist; that requires an investigation and manual reversal. Always verify both account number and IFSC.

Q: How long do NEFT, RTGS and IMPS transfers take?
A: IMPS is instant (near real-time) and available 24×7. RTGS is real-time gross settlement and typically immediate for eligible amounts (often used for higher-value transfers). NEFT used to be batch-based; it is now available round-the-clock in many systems with frequent settlements. Processing times and cut-offs can vary by bank, so confirm with your bank for exact timelines.

Q: Is IFSC case-sensitive? Should I use upper or lower case?
A: IFSC is typically written in upper case. Systems usually accept either case, but use the exact code PUNB0MBGB06 to avoid errors.

Q: Where can I find the IFSC for this branch if I need to double-check?
A: Check your account passbook, cheque leaf for branch details, or contact the branch at 8102918633. You can also confirm with the head office or your bank’s official customer service before transferring funds.