The Bihar Gramin Bank branch at MEN is located in Gaya district, Bihar (PIN 804424). This branch serves local customers for deposits, withdrawals, remittances and other banking services. For electronic fund transfers — NEFT, RTGS and IMPS — the IFSC code uniquely identifies this branch on payment networks. Using the correct IFSC ensures funds route to the right bank and branch and prevents return delays or failed transfers.
Branch Details Table
| Bank Name | Bihar Gramin Bank |
| Branch Name | MEN |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 6981 |
| Branch Address | MEN, Gaya, 804424, 7070196981 |
| Contact Number | 7070196981 |
| City | Gaya |
| District | Gaya |
| Reason | GAYA |
| Pincode | 804424 |
| State | Bihar |
Merger Update
This branch now operates under the Punjab National Bank IFSC namespace. Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged and their operations are consolidated under Punjab National Bank. The single valid IFSC for this merged entity is PUNB0MBGB06. Old UBGB IFSC codes have been revoked. For all NEFT/RTGS/IMPS transfers to this branch use only PUNB0MBGB06. Any transfers using older UBGB IFSCs will be returned or rejected by the payment system.
What is an IFSC Code?
IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code used to identify a specific bank branch in electronic payment systems.
- Characters 1–4: Bank identifier. Example: PUNB = Punjab National Bank.
- Character 5: Reserved and usually 0.
- Characters 6–11: Branch identifier. Example from this branch: MBGB06.
So for PUNB0MBGB06 the breakdown is: PUNB (bank) + 0 (reserved) + MBGB06 (branch code). This code tells payment systems exactly which bank and which branch will receive the funds.
How to Use the IFSC Code (NEFT, RTGS, IMPS)
- Step 1: Collect beneficiary details — account name, account number, bank name and branch, and the IFSC (here: PUNB0MBGB06).
- Step 2: Log in to your netbanking, mobile banking app, or UPI-enabled app. Select the transfer type: NEFT, RTGS or IMPS.
- Step 3: Choose “Add beneficiary” or “New payee.” Enter beneficiary name, account number and IFSC exactly as provided. Double-check spelling and digits.
- Step 4: Confirm and authorize the beneficiary. Banks usually require an OTP or additional confirmation to activate a new payee.
- Step 5: Initiate the transfer. Enter the amount and any remarks, then authorize the payment with OTP or your banking password.
- Step 6: Note the transaction reference for tracking. Check beneficiary account after the expected clearing time.
Timing notes: NEFT and IMPS are typically near-instant or settle within a few hours depending on clearing cycles. RTGS is for higher-value transfers and is processed in real time. RBI has enabled round-the-clock NEFT/RTGS availability, but bank-specific processing rules and limits may apply. Always confirm cut-off times and charges with your bank before initiating large transfers.
Benefits of Knowing the IFSC
- Ensures funds go to the correct branch and account without manual intervention.
- Prevents failed or returned transactions caused by incorrect branch identification.
- Required for online fund transfers: NEFT, RTGS and IMPS.
- Needed when setting up beneficiaries for regular payments or salary credits.
- Useful for reconciling electronic receipts against branch records (IFSC + MICR).
Contact
Branch phone no: 7070196981
Branch address: MEN, Gaya, 804424, Bihar
Head office address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777
FAQs
Q: Is PUNB0MBGB06 the only valid IFSC to send money to MEN branch?
Yes. After the merger, the valid IFSC to route electronic payments to this branch is PUNB0MBGB06. Any old UBGB IFSCs are revoked and should not be used.
Q: Where else can I find the IFSC on bank documents?
You can find the IFSC printed on cheque leaves, bank passbooks, account statements, or the branch’s official signboard. Banks also publish IFSCs on their branch information pages and on the cheque book (top right side).
Q: What happens if I enter a wrong IFSC but the correct account number?
If the IFSC does not match the bank and branch for the account number, the payment may be rejected or returned. In some cases, the system may still route correctly if account number uniquely identifies the account across the bank, but you should not rely on that. Always use the exact IFSC provided by the beneficiary.
Q: Is IFSC case-sensitive?
No. IFSC is not case-sensitive. PUNB0MBGB06 and punb0mbgb06 are treated the same. However, enter it correctly to avoid human error.
Q: What is the MICR code 800811002 used for?
MICR (Magnetic Ink Character Recognition) code is used for cheque clearing. It helps automated cheque processing and identifies the bank branch in the clearing system. For electronic transfers, IFSC is the primary identifier; for cheque processing, MICR is used.
Q: Are there limits on NEFT/RTGS/IMPS transactions?
Limits vary by bank and account type. NEFT/IMPS are commonly used for low-to-medium amounts; RTGS is used for large-value transfers. RBI removed the RTGS minimum limit of ₹2 lakh, but banks may have internal thresholds or limits per transaction and per day. Check with your bank for exact limits and charges.
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.