The Bihar Gramin Bank RO Bhagalpur branch is located in Bhagalpur district, Bihar. This branch uses the IFSC code for electronic fund transfers. IFSC codes are essential when you move money through NEFT, RTGS or IMPS. They route the payment to the correct bank and branch and reduce delays or rejected transactions.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | RO Bhagalpur |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 3002 |
| Branch Address | RO Bhagalpur, Bhagalpur, 812001, 8102918694 |
| Contact Number | 8102918694 |
| City | Bhagalpur |
| District | Bhagalpur |
| Reason | BHAGALPUR |
| Pincode | 812001 |
| State | Bihar |
Merger Update
Important: The rural banks in Bihar that were operating as Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged under Punjab National Bank (PNB). After the merger, the consolidated IFSC code in use for the merged entities is PUNB0MBGB06. Old UBGB or DBGB IFSC codes have been revoked. For all NEFT, RTGS and IMPS transactions to branches formerly under UBGB or DBGB, use only the new IFSC PUNB0MBGB06. Transactions using old IFSC values will be rejected or require manual reconciliation, so confirm the IFSC before sending funds.
What is an IFSC Code?
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to identify a specific bank branch in electronic payment systems. The format is fixed:
- First 4 characters: alphabetic bank code (example: PUNB = Punjab National Bank).
- 5th character: always the numeral 0 (reserved for future use).
- Last 6 characters: branch identifier, which can be letters and digits (example: MBGB06 in PUNB0MBGB06).
So, in PUNB0MBGB06 — PUNB = bank, 0 = reserved, and MBGB06 = specific branch code. The bank’s internal numeric branch code (here 3002) is a separate identifier used internally and in some bank records, but IFSC is the standard used for electronic transfers.
How to Use the IFSC Code (NEFT / RTGS / IMPS)
- Open your bank’s internet banking site or mobile app and go to the beneficiary management or fund transfer section.
- Select the transfer type: IMPS for instant small transfers, NEFT for standard electronic transfers, or RTGS for large-value urgent transfers (banks often set RTGS minimums; confirm with your bank, commonly around ₹2,00,000).
- Choose “Add Beneficiary” and enter beneficiary name and account number exactly as given.
- Enter the IFSC code: PUNB0MBGB06. Double-check the characters; IFSC is typically shown in uppercase.
- Save or confirm the beneficiary. The bank may verify that the IFSC matches the bank/branch and may show the branch name.
- Initiate the transfer, enter the transfer amount, and authorize using OTP or transaction password.
- Keep the transaction reference for tracking. If the transfer fails, contact your bank with the reference and beneficiary details.
Benefits of Knowing the IFSC
- Accurate routing: Ensures funds go to the correct bank branch quickly.
- Required for electronic transfers: Mandatory for NEFT, RTGS and IMPS payments.
- Fewer errors: Banks validate IFSC and often cross-check branch names to reduce misdirected transfers.
- Speeds reconciliation: Helps businesses and account holders match incoming payments to branches using IFSC and MICR.
- Useful for non-local payments: If you or payers are outside Bhagalpur, the IFSC tells their bank exactly where to route the funds.
Contact
Branch Phone: 8102918694
Branch Address: RO Bhagalpur, Bhagalpur, 812001
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll Free: 18001807777
FAQs
Q: How can I confirm that PUNB0MBGB06 is the correct IFSC for RO Bhagalpur?
A: Check the branch cheque book or passbook, look at the bank’s printed details on statements, or verify with the branch phone number (8102918694). Your bank’s beneficiary-add screen often confirms branch details when you enter the IFSC.
Q: What happens if I use an old UBGB or DBGB IFSC?
A: Old UBGB/DBGB IFSC codes have been revoked after the merger into Punjab National Bank. Transactions using revoked IFSCs may be rejected or delayed. Use only PUNB0MBGB06 for transfers to these merged branches.
Q: If I know the account number but enter the wrong IFSC, will the money still reach the account?
A: Banks route electronic payments using IFSC. If the IFSC does not match the account’s bank/branch, the transaction can fail or require manual resolution. Some banks validate the IFSC-account combination and reject mismatches. Always confirm both account number and IFSC.
Q: Is IFSC case-sensitive?
A: No. IFSC is not case-sensitive in most banking systems, but it is conventionally written in uppercase (for example, PUNB0MBGB06). Enter it exactly as shown to avoid errors.
Q: Where else will I need the IFSC besides online transfers?
A: You may need IFSC for setting up salary credits, receiving refunds from government agencies, receiving payments on merchant accounts, or using third-party payment platforms that require bank details.
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.