BELAGANJ is a town in Gaya district, Bihar (Pincode 804406). This article covers the Bihar Gramin Bank, BELAGANJ branch and its payment details. For electronic fund transfers such as NEFT, RTGS, and IMPS, the IFSC code identifies the exact bank and branch. Using the correct IFSC ensures your transfer is routed to the intended branch quickly and reduces the chance of failed or delayed payments.
Branch Details Table
| Bank Name | Bihar Gramin Bank |
| Branch Name | BELAGANJ |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 7218 |
| Branch Address | BELAGANJ, Gaya, 804406, 9771464218 |
| Contact Number | 9771464218 |
| City | Gaya |
| District | Gaya |
| Reason | GAYA |
| Pincode | 804406 |
| State | Bihar |
Merger Update
If this branch traces its origin to either Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB), note the following. Both UBGB and DBGB have been merged and their operations now run under Punjab National Bank for centralized electronic payments. The single IFSC to be used is PUNB0MBGB06. Old UBGB or DBGB IFSC codes have been revoked. For any NEFT, RTGS or IMPS transfer, use only the new IFSC PUNB0MBGB06. Transfers attempted with revoked IFSCs will fail or be delayed; always confirm current IFSC before sending funds.
What is IFSC Code?
The IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to route electronic payments to exact bank branches in India. Its structure is:
- First 4 characters — alphabetic bank identifier (example: PUNB for Punjab National Bank).
- 5th character — always 0 (reserved for future use).
- Last 6 characters — branch identifier (can be letters or numbers; example: MBGB06 in PUNB0MBGB06).
How to Use IFSC Code
Follow these steps when making a fund transfer (NEFT, RTGS, IMPS):
- Open your bank’s internet banking, mobile app, or visit the branch counter and choose the transfer type (NEFT, RTGS, IMPS).
- Add a new beneficiary or payee. Enter the beneficiary’s name exactly as on their account.
- Enter the beneficiary account number and the IFSC code PUNB0MBGB06 for Bihar Gramin Bank, BELAGANJ branch.
- Verify the displayed branch name and bank name shown by your bank’s system before saving the beneficiary.
- Enter the amount and any remarks. For RTGS choose RTGS if transfer value meets your bank’s RTGS criteria; otherwise select NEFT or IMPS for instant smaller-value transfers.
- Authenticate the transaction (OTP, net banking password, UPI PIN etc.).
- Keep the transaction reference or UTR number. Use it to track or to report issues.
Benefits of Knowing the IFSC
- Ensures accurate routing of electronic funds to the correct branch.
- Reduces failed or returned transfers caused by incorrect branch identification.
- Needed to add beneficiaries quickly in online or mobile banking.
- Helps customer support locate transactions with the branch and branch code.
- Useful for corporate payments, salary credits, vendors, and recurring transfers.
Contact
Branch Phone No: 9771464218
Branch Address: BELAGANJ, Gaya, 804406
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll Free No: 18001807777
FAQs
Q: Can I use a revoked UBGB IFSC for transfers to this branch?
A: No. Old UBGB IFSC codes have been revoked after the merger. Use PUNB0MBGB06 for all NEFT, RTGS and IMPS transfers to the BELAGANJ branch.
Q: Where is the IFSC printed on my cheque?
A: The IFSC is usually printed at the top of a cheque leaf or near the MICR line. If not present, ask your branch or check the passbook or official bank documents.
Q: What is MICR and how is it different from IFSC?
A: MICR (Magnetic Ink Character Recognition) is a 9-digit code used for cheque processing by clearing houses. IFSC is an 11-character code used for electronic fund transfers. For BELAGANJ the MICR code is 800811002.
Q: What happens if I enter the wrong IFSC?
A: If the IFSC does not match the account number, the transfer may be rejected and returned to your account, or it could be routed to a different branch if the account number exists elsewhere. If a wrong IFSC causes a miscredit, contact your bank immediately with transaction details (UTR/Reference number) to initiate recovery.
Q: Are NEFT, RTGS and IMPS all available 24×7?
A: IMPS is an instant, 24×7 service. NEFT and RTGS systems have been updated to wider operating hours and many banks offer near‑round‑the‑clock processing. Check your bank’s platform for exact availability and cut-offs for RTGS (used primarily for higher-value transfers).
If you need help confirming beneficiary details or tracking a payment to this branch, contact the branch at 9771464218 or the bank’s toll-free number 18001807777.
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.