The Bihar Gramin Bank, DURBE branch is located in Durbe village, Gaya district, Bihar (PIN 823002). This branch uses the IFSC code PUNB0MBGB06. IFSC codes are essential for electronic fund transfers such as NEFT, RTGS and IMPS. The code tells the payment system which bank and which specific branch will receive the money. A correct IFSC speeds transfers and prevents delays or returns.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | DURBE |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 6885 |
| Branch Address | DURBE, Gaya, 823002, 9523596885 |
| Contact Number | 9523596885 |
| City | Gaya |
| District | Gaya |
| Reason | GAYA |
| Pincode | 823002 |
| State | Bihar |
Merger Update
The regional rural banks in Bihar — Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) — have been reorganised under Punjab National Bank. As a result, the branch now uses the single IFSC code PUNB0MBGB06 under Punjab National Bank. Old UBGB IFSC codes have been revoked. Only the new IFSC code PUNB0MBGB06 should be used for NEFT, RTGS and IMPS transfers. Using an old or revoked IFSC can cause failed transfers and delays while funds are returned.
What is IFSC Code?
IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code used to route electronic payments to the correct bank branch. The structure is fixed:
- First 4 characters: bank identifier (example: PUNB = Punjab National Bank).
- 5th character: always 0 (reserved for future use).
- Last 6 characters: branch identifier (example: MBGB06 in PUNB0MBGB06 identifies the specific branch).
So, PUNB0MBGB06 splits as PUNB | 0 | MBGB06. IFSC is used by payment systems to identify the exact destination branch for electronic transfers.
How to Use IFSC Code (NEFT / RTGS / IMPS)
- Open your bank’s internet banking or mobile app and choose “Funds Transfer” or “Add Beneficiary”.
- Enter beneficiary name exactly as the bank account holds it, and the beneficiary account number.
- Enter the IFSC code: PUNB0MBGB06 for Bihar Gramin Bank, DURBE branch.
- Provide the branch name and any required purpose or remarks.
- Confirm the details. Banks may show the branch name after you enter IFSC — verify it matches “DURBE, Gaya”.
- Save the beneficiary. Many banks activate a new beneficiary after a cooling period (few minutes to 24 hours) or after OTP confirmation.
- Initiate the transfer via NEFT, RTGS or IMPS as supported. IMPS is instant and works 24×7. NEFT and RTGS are settled through RBI systems; confirm current availability and cut-offs with your bank.
- Keep the transaction reference or UTR until the beneficiary confirms receipt. If funds do not arrive, provide the UTR to the bank for tracing.
Notes:
- Always double-check the IFSC and account number before confirming. One wrong digit can send funds to a different account or cause a return.
- For bulk or high-value transfers use RTGS as advised by your bank. Banks set limits and charges for NEFT/RTGS/IMPS — check the schedule before transfer.
Benefits of Knowing the IFSC
- Accurate routing: Ensures funds reach the exact branch and account.
- Faster processing: Correct IFSC reduces rejection and manual intervention.
- Necessary for all digital transfers: Mandatory field in NEFT/RTGS/IMPS forms.
- Helps verify beneficiary details: IFSC resolves the branch name when entered in many banking apps.
- Useful for reconciliation: Use IFSC and UTR to trace failed or delayed payments.
Contact
Branch Phone: 9523596885
Branch Address: DURBE, Gaya, 823002
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll Free Number: 18001807777
FAQs
Q: How do I confirm the IFSC before sending money?
A: Check the IFSC on your bank passbook, cheque leaf, or the bank’s official communication. In banking apps, entering the IFSC often auto-populates the branch name — verify the branch is “DURBE, Gaya”.
Q: What happens if I enter the wrong IFSC?
A: If the wrong IFSC points to another branch and the account number matches an existing account, the money may be credited to that other account. If the combination is invalid, the transfer will be rejected and funds returned after processing. Contact your bank immediately with the transaction UTR to trace or recover funds.
Q: Is IFSC case-sensitive?
A: No. IFSC is alphanumeric but not case-sensitive. Still enter it exactly as provided to avoid typos. The 5th character should always be zero.
Q: Can IFSC change for this branch?
A: IFSC can change due to mergers, rebranding, or system migrations. In this case, UBGB/DBGB have been merged under Punjab National Bank and the valid IFSC is PUNB0MBGB06. Old UBGB codes have been revoked. Always confirm IFSC from bank-issued sources before large transfers.
Q: What is the difference between IFSC and MICR?
A: IFSC routes electronic transfers. MICR (Magnetic Ink Character Recognition) is a 9-digit numeric code used mainly to speed cheque clearing. Both identify branches, but IFSC is mandatory for NEFT/RTGS/IMPS and MICR for cheque processing.
Q: Are NEFT and RTGS available 24×7?
A: IMPS works 24×7. NEFT and RTGS availability has expanded in recent years. However, banks may have maintenance windows and their own cut-off policies. Confirm timings and charges with the bank before initiating large or time-critical transfers.
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.