Bihar Gramin Bank MAHMMADPUR IFSC Code

The Bihar Gramin Bank branch at MAHMMADPUR is located in Mahmmadpur village, Jehanabad district, Bihar — Pincode 804420. This IFSC code is required when you send or receive interbank electronic payments. Banks use the IFSC to route NEFT, RTGS and IMPS transfers to the correct bank and branch. Entering the right IFSC avoids delays, failed transactions and manual intervention.

Branch Details

Merger Update

Important: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) were merged into a single entity under the sponsor bank, Punjab National Bank. As part of that consolidation, the new consolidated IFSC PUNB0MBGB06 is now in use for the merged rural-bank branches. Old IFSC codes issued to UBGB or DBGB branches have been revoked. For all NEFT/RTGS/IMPS transactions, use only the new IFSC PUNB0MBGB06. Using an old UBGB/DBGB IFSC will result in a failed or delayed transfer.

What is an IFSC Code?

The IFSC (Indian Financial System Code) is an 11-character alphanumeric code that uniquely identifies a bank branch in India for electronic payments.

• Characters 1–4: Bank code (alphabetic). Example: PUNB = Punjab National Bank.
• Character 5: Always 0 (reserved for future use).
• Characters 6–11: Branch identifier (alphanumeric). Example: MBGB06 in PUNB0MBGB06.

Note: The IFSC is different from the numeric branch code (here 6962). The last six IFSC characters are an internal branch identifier and need not match the numeric branch code shown on bank stationery.

How to Use the IFSC Code (NEFT / RTGS / IMPS)

• Open your bank’s netbanking, mobile app or visit the branch.
• Go to “Fund Transfer” or “Add Beneficiary”.
• Enter the beneficiary name exactly as per their bank account. Enter the beneficiary account number.
• Type the IFSC PUNB0MBGB06 for Bihar Gramin Bank, MAHMMADPUR branch.
• Validate the IFSC if your platform offers an auto-validate feature. Confirm the beneficiary name shown after validation.
• Save the beneficiary. Many banks require a cooling period (minutes to 24 hours) or an OTP to activate a newly added beneficiary.
• Select NEFT, RTGS or IMPS depending on urgency and amount. IMPS is instant and available 24×7; NEFT and RTGS are now available round-the-clock on most systems, but check your bank’s timings and limits.
• Enter amount, purpose (if required), and authenticate the transaction with OTP/transaction PIN. Keep the transaction reference for tracking.

Benefits of Knowing the IFSC

• Ensures funds reach the correct branch without manual routing.
• Speeds up electronic transfers (NEFT/RTGS/IMPS) and reduces failed transactions.
• Required to add and verify beneficiaries in netbanking/mobile apps.
• Helps reconcile payments—IFSC + account number uniquely identifies the receiving branch.
• Useful for salary credits, vendor payments, refunds and government receipts.

Contact

• Branch Phone: 7091596962
• Branch Address: MAHMMADPUR, Jehanabad, 804420
• Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-free: 18001807777

FAQs

• Q: Can I transfer money using only the IFSC and account number?

  A: Yes. For NEFT/RTGS/IMPS you must provide the beneficiary’s account number and the correct IFSC. The beneficiary name is used to verify the entry but the routing depends on account number + IFSC.

• Q: What happens if I enter the wrong IFSC?

  A: If the IFSC points to a different branch but the account number is valid there, the transfer may go to the wrong branch account. If the combination is invalid, the transaction will fail and the funds will be returned. Always verify IFSC before sending large amounts.

• Q: Are NEFT, RTGS and IMPS available 24×7?

  A: IMPS is available 24×7 and is instant. NEFT and RTGS have been extended to near-continuous service, but exact cut-offs and settlement windows may vary by bank. Confirm with your bank for any scheduled maintenance or bank-specific limits.

• Q: What is the difference between MICR, IFSC and branch code?

  A: IFSC is for electronic fund routing (11 characters). MICR is a 9-digit code used for cheque processing (here 800811002). Branch code is an internal numeric identifier (here 6962); it may appear on bank forms but is not used for electronic routing.

• Q: My branch was listed under UBGB/DBGB earlier. Can I still use the old IFSC?

  A: No. After the merger, old UBGB and DBGB IFSCs were revoked. Use only the new IFSC PUNB0MBGB06 for transactions to this branch. Using old codes will cause failures or delays.

Kriti Kumari

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.