The Bihar Gramin Bank branch at Pagra is located in Gopalganj district, Bihar (Pincode 841508). This IFSC code is required when sending or receiving electronic payments—NEFT, RTGS or IMPS—so that the sender’s bank can route funds to the correct bank and branch. Using the correct IFSC prevents failed transfers and delays.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Pagra |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100517 |
| Branch Address | Pagra, GOPALGANJ, 841508, 9297954517 |
| Contact Number | 9297954517 |
| City | GOPALGANJ |
| District | GOPALGANJ |
| Reason | GOPALGANJ |
| Pincode | 841508 |
| State | Bihar |
Merger Update
If you used an IFSC belonging to Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB): both regional rural banks were consolidated under the sponsor bank (Punjab National Bank) and now operate using a single IFSC code: PUNB0MBGB06. Old UBGB and DBGB IFSC codes have been revoked. For all NEFT, RTGS or IMPS transactions you must use the new IFSC (PUNB0MBGB06). Payments sent using retired IFSCs may fail or be returned.
What is an IFSC Code?
The Indian Financial System Code (IFSC) is an alphanumeric 11-character code used to route electronic payments between banks in India.
- First 4 characters are the bank identifier (example: PUNB = Punjab National Bank).
- 5th character is reserved and is always 0.
- Last 6 characters identify the specific branch or service centre (can be letters or numbers). In this case: MBGB06 makes up the branch identifier in PUNB0MBGB06.
How to Use the IFSC Code (NEFT, RTGS, IMPS)
- Open your bank’s netbanking, mobile app or visit a branch and choose the fund transfer option.
- Select the transfer type: IMPS for instant small-value transfers (24×7), NEFT for normal transfers (now available 24×7), or RTGS for high-value real-time transfers (24×7 for most banks).
- Enter the beneficiary name exactly as per their bank account records.
- Enter the beneficiary account number carefully. Re-enter to confirm if prompted.
- Type the IFSC code: PUNB0MBGB06. Check case and zero vs letter O; the 5th character must be the numeral zero.
- Provide the beneficiary’s account type and purpose if asked. Enter amount and any remark.
- Authenticate the payment using the OTP, token or secure PIN as your bank requires.
- Save or note the transaction reference/UTR number. Use it to track or dispute a transaction if needed.
Benefits of Knowing the IFSC
- Correct routing: Ensures funds reach the correct branch and account without manual intervention.
- Faster processing: Electronic clearing systems use IFSC for automatic routing, reducing delays.
- Error reduction: Using the exact IFSC reduces failed transfers and returned payments.
- Convenience: Needed for online transfers, EMIs, salary credits, vendor payments and government transfers.
- Verification: You can cross-check the IFSC on chequebooks, passbooks or bank confirmations before initiating large transfers.
Contact
Branch Phone: 9297954517
Branch Address: Pagra, GOPALGANJ, 841508
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll-free: 18001807777
FAQs
Q: Can I use an old UBGB or DBGB IFSC for transfers?
A: No. Old UBGB and DBGB IFSCs have been revoked after the merger. Use the new IFSC PUNB0MBGB06 for all electronic transfers.
Q: Where can I verify the IFSC before transferring money?
A: Verify the IFSC on your cheque leaf, passbook, a bank-provided welcome letter, or by calling the branch number (9297954517). You can also confirm with the bank’s customer care (toll-free 18001807777).
Q: What if I enter the wrong IFSC but correct account number?
A: Banks route transfers using both IFSC and account number. If the IFSC points to a different bank/branch, the transaction may fail or be returned. If the IFSC belongs to the same bank but a different branch, banks typically use the account number to place the credit correctly, but this can cause processing delays. Always verify both details.
Q: How long does a transfer to this branch take?
A: IMPS is instant (seconds). NEFT and RTGS are effectively real-time now and available 24×7; settlement is immediate for most banks. Keep the UTR/reference number to track a transfer if it delays.
Q: What is the difference between IFSC and MICR?
A: IFSC (11 characters) is for electronic fund transfers (NEFT/RTGS/IMPS). MICR (9 digits) is used by clearing houses to process physical cheques faster. For online transfers use IFSC; for cheque clearing MICR matters.
Q: Payment failed. What should I do?
A: Note the error message and the transaction reference. Contact the branch at 9297954517 or the toll-free number 18001807777. Provide the UTR/reference, date, amount and beneficiary details so the bank can investigate and trace the payment.
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.