The MISHRAWALIA branch of Bihar Gramin Bank is located in the Buxar district of Bihar. For anyone looking to send or receive money electronically to an account at this branch, the Indian Financial System Code (IFSC) is essential. This 11-character code acts as a unique address for the bank branch, ensuring that online fund transfers through systems like NEFT, RTGS, and IMPS are routed correctly and securely to their intended destination.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | MISHRAWALIA |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 6990 |
| Branch Address | MISHRAWALIA, Buxar, 802101 |
| Contact Number | 7070196990 |
| City | Buxar |
| District | Buxar |
| Region | BHABHUA |
| Pincode | 802101 |
| State | Bihar |
Merger and IFSC Update
It is important to note that Bihar Gramin Bank was formed by the merger of two former regional rural banks: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). After the merger, the bank is now sponsored by Punjab National Bank (PNB). Consequently, all old IFSC codes belonging to the former banks have been revoked.
For any online transaction to the MISHRAWALIA branch, you must use the new IFSC code, PUNB0MBGB06. Using an old or invalid code will result in a failed transaction. The new codes starting with ‘PUNB’ reflect the sponsorship of Punjab National Bank and are the only valid codes for all Bihar Gramin Bank branches.
What is an IFSC Code?
The IFSC is an 11-character alphanumeric code assigned by the Reserve Bank of India (RBI) to identify every bank branch participating in electronic fund transfer systems. The code has a specific structure that helps in routing transactions without manual intervention.
Let’s break down the IFSC code for the MISHRAWALIA branch, PUNB0MBGB06:
- PUNB: The first four alphabetic characters represent the bank’s name. In this case, ‘PUNB’ stands for Punjab National Bank, the sponsor bank.
- 0: The fifth character is always a zero. It is reserved for future use.
- MBGB06: The last six characters represent the specific branch. This part of the code uniquely identifies the MISHRAWALIA branch within the Bihar Gramin Bank network.
How to Use the IFSC Code for Fund Transfers
Using the IFSC code is a standard step when making an online payment. Whether you are using a mobile banking app or an internet banking portal, the process is generally the same.
- Log in to your net banking or mobile banking application.
- Navigate to the ‘Fund Transfer’ or ‘Payments’ section and select the transfer type (NEFT, RTGS, or IMPS).
- Add a new beneficiary or select an existing one. You will be asked to provide the recipient’s details.
- Enter the beneficiary’s name, bank account number, and the IFSC code: PUNB0MBGB06.
- Enter the amount you wish to transfer and confirm the transaction, usually with a password or an OTP (One-Time Password).
The banking system uses the IFSC code to direct your funds to the correct MISHRAWALIA branch account.
Benefits of Using the Correct IFSC
- Accuracy: It eliminates errors by ensuring your money is sent to the exact bank and branch you intend.
- Speed: The code allows for automated processing, which makes fund transfers fast and efficient.
- Security: It acts as a verification layer, reducing the risk of funds being misdirected.
- Convenience: It enables you to perform transactions from anywhere, without needing to visit a bank branch.
Contact Information
For any queries or assistance, you can contact the branch directly or the bank’s head office.
Branch Contact
- Phone Number: 7070196990
- Address: Bihar Gramin Bank, MISHRAWALIA, Buxar, Bihar – 802101
Head Office
- Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
- Toll-Free Number: 18001807777
Frequently Asked Questions
1. Can I still use my old Dakshin Bihar Gramin Bank (DBGB) IFSC code?
No. All IFSC codes from the pre-merger era of Dakshin Bihar Gramin Bank and Uttar Bihar Gramin Bank are invalid. You must use the new PNB-sponsored IFSC codes for all transactions to avoid failure.
2. What happens if I enter the wrong IFSC code?
If you enter an IFSC code that does not exist, the transaction will be rejected immediately. If the IFSC code exists but belongs to a different branch, the funds may be credited to an account at that branch and could be difficult to retrieve. It’s crucial to double-check the code before confirming a transfer.
3. Is the IFSC code PUNB0MBGB06 the same for all Bihar Gramin Bank branches?
No. Each branch of Bihar Gramin Bank has its own unique IFSC code. PUNB0MBGB06 is specifically for the MISHRAWALIA branch. Using it for an account in another branch will cause the transaction to fail.
4. Where can I find the IFSC code for my branch?
The IFSC code is printed on the chequebooks and the first page of the passbooks issued by the bank. You can also find it on the official website of Bihar Gramin Bank or by contacting your branch directly.
5. Do I need an IFSC code for depositing cash into an account?
No. The IFSC code is only required for electronic fund transfers like NEFT, RTGS, and IMPS. For cash deposits made at a bank branch, you only need the recipient’s account 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.