Bihar Gramin Bank BAIRKA IFSC Code

The Bihar Gramin Bank branch at BAIRKA is located in Gaya district of Bihar, PIN 823311. This branch serves local residents and businesses for deposits, withdrawals, and fund transfers. For electronic transfers like NEFT, RTGS and IMPS, the correct IFSC code is essential. The IFSC identifies the exact bank and branch for routing payments. Using the wrong code can delay transfers or return funds.

Branch Details

Merger Update

Bihar Gramin Bank’s operations relate to the previous regional rural banks in Bihar. Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged under Punjab National Bank’s sponsorship. All former UBGB and DBGB IFSC codes have been revoked. The single valid IFSC for this merged setup is PUNB0MBGB06. Use only this IFSC for NEFT, RTGS and IMPS transfers to avoid failed or returned payments.

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 in India.

• Characters 1–4: Bank identifier. Example: PUNB = Punjab National Bank.
• Character 5: Reserved and is always 0.
• Characters 6–11: Branch code. This identifies the exact branch. In PUNB0MBGB06, MBGB06 is the branch identifier used after the merger.

How to Use IFSC Code

1. Open your bank’s netbanking or mobile app and choose the fund transfer option (NEFT, RTGS or IMPS).
2. Select the transfer type: NEFT or IMPS for small/instant payments, RTGS for high-value same-day transfers (typically above bank threshold; check your bank’s RTGS minimum).
3. Enter beneficiary name and account number exactly as provided by the recipient.
4. Enter the IFSC: PUNB0MBGB06. Double-check each character; IFSC is case-insensitive but must be exact.
5. Provide the beneficiary branch details if required (BAIRKA, Gaya, PIN 823311).
6. Enter amount and purpose. Verify limits and cut-off times: NEFT operates in batches (some banks process continuously now), RTGS has bank-specific cut-offs, IMPS is immediate 24×7 for permitted amounts.
7. Confirm and authenticate the transaction with OTP or transaction PIN. Keep the reference number for tracking.

Benefits of Knowing the IFSC

• Ensures funds are routed to the correct bank branch. This reduces delays and return charges.
• Required for all electronic transfers: NEFT, RTGS and IMPS. Without it transfers will fail.
• Helps customer service trace transactions quickly using the exact branch code.
• Useful for filling bank forms, receiving salary credits, or linking accounts for bill payments.
• Prevents fraud from incorrect routing. Verifying IFSC reduces manual errors.

Contact

Branch Phone No: 7091596909

Branch Address: BAIRKA, Gaya, 823311

Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR

Toll Free No: 18001807777

FAQs

• Q: Can I use the old UBGB or DBGB IFSC for transfers?
  A: No. Old UBGB and DBGB IFSCs are revoked after the merger. Use PUNB0MBGB06 for all transfers to this branch.
• Q: What if I enter a wrong IFSC by mistake?
  A: If the wrong IFSC maps to another live branch, funds may go to a different account and recovery will require the sender to contact their bank and the recipient bank. If the IFSC is invalid, the transfer will fail and funds will be returned. Always verify before sending.
• Q: Is IFSC case-sensitive?
  A: No. Systems treat IFSC as case-insensitive. Still, enter it exactly as provided to avoid typographical errors.
• Q: Which transfer method should I use: NEFT, RTGS or IMPS?
  A: Use IMPS for instant small-value transfers (available 24×7). Use NEFT for routine transfers (often processed in real-time or batches). Use RTGS for high-value, urgent same-day transfers. Check your bank’s minimum RTGS limit and cut-off times.
• Q: What other codes should I check before a transfer?
  A: Verify the beneficiary account number, IFSC and name. MICR (800811002) is used for cheque processing, not for electronic fund routing, but it helps confirm branch identity for paper instruments.

Kriti Kumari

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.