Bairiya Bazar is a branch of Bihar Gramin Bank located in East Champaran district, Bihar (PIN 845437). This IFSC code guide explains the branch details and why the IFSC matters for electronic fund transfers. The IFSC is required to route NEFT, RTGS and IMPS transactions to the correct bank branch so funds reach the intended account quickly and securely.
Branch Details Table
| Bank Name | Bihar Gramin Bank |
| Branch Name | Bairiya Bazar |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100261 |
| Branch Address | Bairiya Bazar, EAST CHAMPARAN, 845437, 9297954663 |
| Contact Number | 9297954663 |
| City | EAST CHAMPARAN |
| District | EAST CHAMPARAN |
| Reason | MOTIHARI |
| Pincode | 845437 |
| State | Bihar |
Merger Update
Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged into a single entity operating under Punjab National Bank’s system. All previous UBGB and DBGB IFSC codes have been revoked. The consolidated, valid IFSC to use for this region and this branch is PUNB0MBGB06. Use only this code for NEFT, RTGS and IMPS transfers; transactions using old UBGB/DBGB IFSCs will fail or be returned.
What is IFSC Code?
IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code used to identify bank branches in electronic payment systems. Structure:
- Characters 1–4: Bank code (alphabetic). Example: PUNB indicates Punjab National Bank format used here.
- Character 5: Reserved and usually 0 (zero).
- Characters 6–11: Branch code (alphanumeric). Example: MBGB06 in PUNB0MBGB06.
How to Use IFSC Code
Steps to use the IFSC when sending money by NEFT, RTGS or IMPS:
- Open your bank’s netbanking, mobile app or visit a branch. Choose the transfer type: NEFT, RTGS or IMPS.
- Enter beneficiary details: name, bank account number, and the beneficiary branch IFSC (PUNB0MBGB06 for Bairiya Bazar).
- Enter amount and purpose (if required). For RTGS, confirm if your bank requires a minimum amount—RTGS is used for larger value transfers.
- Verify details carefully. A wrong digit in the account number or IFSC can delay or return the payment.
- Authenticate with OTP or transaction password as required by your bank.
- Note cut-off times and settlement expectations: IMPS is immediate 24×7; NEFT and RTGS are available round-the-clock in most banks but timing/processing policies may vary—check your bank for exact timelines and charges.
Benefits of Knowing the IFSC
- Ensures accurate routing of funds to the correct bank branch and account.
- Reduces failed transactions and delays caused by incorrect beneficiary details.
- Required for setting up electronic mandates, NACH, and many online payment forms.
- Helps customer service trace transactions faster using the exact branch identifier.
- Saves time — you can complete NEFT/RTGS/IMPS transfers without visiting the branch.
Contact
Branch phone no: 9297954663
Branch Address: Bairiya Bazar, EAST CHAMPARAN, 845437
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777
Frequently Asked Questions (FAQs)
1. How can I verify the IFSC for Bairiya Bazar branch?
Check the printed IFSC on your cheque leaf or passbook, confirm with the branch phone number (9297954663), or ask at the branch counter. After the UBGB/DBGB merger, ensure you use PUNB0MBGB06.
2. What happens if I enter a wrong IFSC?
If the IFSC is wrong, the transaction may be rejected or returned, causing delay. If the IFSC points to a different branch of the same bank and the account number exists there, funds may still route — but that’s uncommon and risky. Contact your bank immediately to trace or stop the transaction.
3. Is IFSC case-sensitive?
No. IFSC is not case-sensitive, but it is conventionally written in uppercase. Enter it exactly as provided to avoid errors: PUNB0MBGB06.
4. What is the difference between IFSC and MICR?
IFSC routes electronic transfers (NEFT, RTGS, IMPS). MICR (Magnetic Ink Character Recognition) code, such as 800811002, is used mainly for cheque clearing through the clearinghouse. They serve different clearing systems.
5. Can I use this IFSC for inward remittances from abroad?
For international inward remittance, banks often require SWIFT/BIC plus beneficiary account details. IFSC helps domestic routing once funds enter the Indian banking system. Confirm with the remitting bank and your branch for the exact details required.
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.