The Bihar Gramin Bank MAI branch is located in Jehanabad district of Bihar (Pincode 804408). This branch serves local residents and businesses for deposits, withdrawals and fund transfers. For electronic transfers—NEFT, RTGS and IMPS—the branch IFSC is essential. The IFSC routes your online payment to the correct bank and branch. Using the correct IFSC speeds settlement and prevents failed or mis-directed transfers.
Branch Details Table
| Bank Name | Bihar Gramin Bank |
| Branch Name | MAI |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 6918 |
| Branch Address | MAI, Jehanabad, 804408, 7091596918 |
| Contact Number | 7091596918 |
| City | Jehanabad |
| District | Jehanabad |
| Reason | Patna |
| Pincode | 804408 |
| State | Bihar |
Merger Update
Important: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) were merged to form Bihar Gramin Bank under the sponsor bank Punjab National Bank (PNB). All old UBGB and DBGB IFSC codes have been revoked. The single valid IFSC for the merged entity is PUNB0MBGB06 and should be used for all NEFT, RTGS and IMPS transactions. Any legacy IFSC that belonged to UBGB or DBGB will not route payments and is considered invalid.
What is IFSC Code?
IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code used to identify bank branches in electronic payment systems.
Structure:
- First 4 characters — bank code (letters). Example: PUNB = Punjab National Bank.
- 5th character — always 0 (reserved).
- Last 6 characters — branch identifier (letters/digits). Example: MBGB06 in PUNB0MBGB06.
Together they uniquely identify the bank and branch so payment systems can route funds to the correct account.
How to Use IFSC Code
Follow these steps when sending money using NEFT, RTGS or IMPS:
- Open your bank’s netbanking, mobile banking app or visit a branch.
- Choose the transfer type: NEFT, RTGS or IMPS. (RTGS is for high-value transfers; NEFT/IMPS handle low-to-medium values.)
- Select Add Beneficiary or New Payee.
- Enter beneficiary name exactly as on their bank account, account number, and the IFSC PUNB0MBGB06 for Bihar Gramin Bank MAI branch.
- Verify the branch name and account number before confirming. A mismatch can cause rejection or delay.
- Authorize the transfer using OTP or bank’s authentication method.
- Check the transfer status in transaction history. NEFT/RTGS/IMPS will show reference numbers for tracking.
Notes:
- IMPS is immediate and available 24×7. NEFT now runs on a 24×7 basis with continuous settlement. RTGS is meant for large-value payments (typically transactions above Rs. 2,00,000) and is generally available round-the-clock, but check with your bank for any service windows.
- Charges and daily limits vary by bank and account type.
- Always use the current IFSC; after mergers old IFSCs are often disabled.
Benefits of Knowing the IFSC
- Ensures funds reach the exact branch and account without manual intervention.
- Prevents failed or returned transactions due to wrong routing.
- Needed to add beneficiaries for online transfers (NEFT/RTGS/IMPS).
- Helps customer support trace and resolve transfer issues using transaction reference and branch code.
- Useful for cheque reconciliation and vendor payments where branch-level identification is required.
Contact
Branch phone no: 7091596918
Branch Address: MAI, Jehanabad, 804408, 7091596918
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777
FAQs
Q: Is PUNB0MBGB06 the only valid IFSC to use for this branch?
A: Yes. After the merger of UBGB and DBGB into Bihar Gramin Bank under PNB, the valid IFSC for the merged entity is PUNB0MBGB06. Old UBGB/DBGB IFSCs have been revoked and will not work.
Q: Can I use this IFSC for NEFT, RTGS and IMPS?
A: Yes. Use PUNB0MBGB06 for NEFT, RTGS and IMPS transfers to accounts at the Bihar Gramin Bank MAI branch.
Q: What happens if I enter a wrong IFSC?
A: A wrong IFSC can route the payment to a different branch or cause the transaction to be rejected. If rejected, funds are usually returned to the remitter’s account but timing depends on the banks involved. Contact your bank with the transaction reference to start a trace.
Q: How do I confirm the correct IFSC before sending money?
A: Confirm with the beneficiary, check the branch passbook or cheque leaf, or call the branch at 7091596918. Also verify that the IFSC starts with PUNB and contains the branch identifier MBGB06.
Q: Is IFSC the same as MICR?
A: No. IFSC is used for electronic funds transfer routing. MICR (Magnetic Ink Character Recognition) is a 9-digit code used mainly to speed up cheque processing and clearing.
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.