The Bihar Gramin Bank branch at Bhagipatti is located in Gopalganj district, Bihar (Pincode 841417). This branch is sponsored by Punjab National Bank and uses the IFSC code PUNB0MBGB06 for electronic fund transfers. An accurate IFSC code is essential for NEFT, RTGS and IMPS transfers. It routes the payment to the correct bank and branch and prevents delays or returns.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Bhagipatti |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100540 |
| Branch Address | Bhagipatti, GOPALGANJ, 841417, 9297954540 |
| Contact Number | 9297954540 |
| City | GOPALGANJ |
| District | GOPALGANJ |
| Reason | GOPALGANJ |
| Pincode | 841417 |
| State | Bihar |
Merger Update
Important: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) were consolidated under the sponsor bank, Punjab National Bank. After the merger the combined rural bank branches now use the single IFSC code PUNB0MBGB06 for transactions. Old UBGB and DBGB IFSC codes have been revoked. Only the new IFSC code PUNB0MBGB06 is valid for NEFT, RTGS and IMPS. If you have saved an old UBGB/DBGB IFSC in your banking app, update the beneficiary to the new IFSC to avoid failed transfers.
What is an IFSC Code?
IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code used to identify bank branches in electronic payments.
- The first 4 characters identify the bank. Example: PUNB = Punjab National Bank.
- The 5th character is always 0 (reserved for future use).
- The last 6 characters identify the specific branch or service point. They can be letters and/or numbers.
Example: PUNB0MBGB06 breaks down as PUNB (bank) + 0 + MBGB06 (branch identifier for Bhagipatti). Note: the numeric Branch Code shown in records (100540) is the bank’s internal branch number and is separate from the IFSC’s alphanumeric branch identifier.
How to Use the IFSC Code for NEFT, RTGS, IMPS
- Open your bank’s netbanking app, mobile banking or go to the branch for a manual transfer.
- Choose the transfer type: NEFT, RTGS or IMPS. IMPS and NEFT are for regular/everyday transfers; RTGS is for larger value real-time gross settlement (check your bank’s RTGS limits).
- Add a new beneficiary. Enter the beneficiary name exactly as on the bank account. Enter the beneficiary account number.
- Enter the bank name as Punjab National Bank and the branch as Bhagipatti or directly enter the IFSC PUNB0MBGB06. The IFSC uniquely picks the branch.
- Enter amount, transfer purpose (if required) and any reference remark.
- Confirm details and authenticate the transaction using OTP/transaction password or required factor.
- Check the confirmation message and note the transaction reference number for tracking.
Tip: Double-check the IFSC and account number before submitting. Even one wrong character can route the payment incorrectly or cause a failure.
Benefits of Knowing the IFSC
- Ensures funds reach the exact branch and account without delay.
- Required for all online transfers: NEFT, RTGS and IMPS.
- Helps customer support troubleshoot failed or returned transactions.
- Used for setting up ACH or standing instructions in some banks.
- Speeds up beneficiary addition in net banking and mobile apps.
Contact
Branch Phone: 9297954540
Branch Address: Bhagipatti, GOPALGANJ, 841417
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll Free: 18001807777
FAQs
Q: Can I use PUNB0MBGB06 for all electronic transfers to Bhagipatti?
A: Yes. Use PUNB0MBGB06 for NEFT, RTGS and IMPS to credit accounts at the Bhagipatti branch. Old UBGB/DBGB IFSCs are no longer valid.
Q: What if I enter the wrong IFSC but the correct account number?
A: Banks route payments primarily using IFSC and account number together. If the IFSC points to a different bank or branch, the transfer may fail or be returned. If the IFSC points to the same bank sponsor and account number exists, the bank may still route it correctly, but do not rely on this. Always use the exact IFSC and account number.
Q: Is the MICR code required for online transfers?
A: No. MICR (800811002) is used for cheque clearing and some paper-based processes. It is not required for NEFT/RTGS/IMPS, which use IFSC.
Q: How do I confirm the branch account number or IFSC before sending money?
A: Confirm with the beneficiary directly or call the branch at 9297954540. You can also ask the beneficiary to show a bank passbook or cheque leaf that displays the IFSC and account details.
Q: My banking app still shows the old UBGB IFSC. What should I do?
A: Delete the old beneficiary entry and add a new one with IFSC PUNB0MBGB06. If you face issues, contact your bank’s customer care or the branch at 9297954540 for assistance.
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.