The Bihar Gramin Bank branch at Panchmohalla serves customers in Jehanabad district, Bihar (PIN 804408). For electronic fund transfers—NEFT, RTGS and IMPS—the branch uses a specific IFSC code. Using the correct IFSC ensures the payment routes to the right bank and branch and avoids failed or delayed transfers.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | PANCHMOHALLA |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 7481 |
| Branch Address | PANCHMOHALLA, Jehanabad, 804408, 7781004481 |
| Contact Number | 7781004481 |
| City | Jehanabad |
| District | Jehanabad |
| Reason | Patna |
| Pincode | 804408 |
| State | Bihar |
Merger Update
The Bihar Gramin Bank network included regional rural banks formed from Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). Both UBGB and DBGB have been merged and their branches now operate under Punjab National Bank (PNB) using the single IFSC code PUNB0MBGB06 for branch-level transactions. Old UBGB and DBGB IFSC codes have been revoked. For all NEFT, RTGS and IMPS transfers to this branch, use only the new IFSC PUNB0MBGB06.
What is IFSC Code?
The Indian Financial System Code (IFSC) is an 11-character alphanumeric code used to identify bank branches in electronic payments.
Structure:
- First 4 characters — bank identifier (letters). Example: PUNB = Punjab National Bank.
- 5th character — always 0 (reserved).
- Last 6 characters — branch identifier (alphanumeric). Example: MBGB06 in PUNB0MBGB06.
So PUNB0MBGB06 breaks down as: PUNB | 0 | MBGB06. Banks and payment systems use this to route funds to the exact branch.
How to Use IFSC Code
- Open your bank’s online banking app or visit the bank branch for the transfer option (NEFT / RTGS / IMPS).
- Choose the transfer type:
- NEFT for normal transfers (no fixed minimum, batch processing).
- RTGS for large-value, real-time transfers (usually for amounts above the RTGS threshold set by your bank).
- IMPS for instant transfers, available 24×7 for small and medium amounts.
- Enter beneficiary details:
- Beneficiary name (as in their bank account).
- Account number of the beneficiary.
- IFSC code: enter PUNB0MBGB06 for Bihar Gramin Bank, Panchmohalla branch.
- Amount and payment description.
- Verify details on screen. Check account number and IFSC especially. A wrong IFSC may route the fund to another branch or cause failure.
- Confirm the transaction using OTP or transaction PIN. Save the reference/UTR for tracking.
Benefits of Knowing the IFSC
- Ensures funds reach the exact branch and account without delay.
- Required for all electronic transfers: NEFT, RTGS and IMPS.
- Speeds up reconciliation—bank systems match IFSC + account number to the branch.
- Helps verify payee details before sending money, reducing errors and returns.
- Useful for setting up beneficiary lists in online banking and for bill payments tied to a specific branch.
Contact
Branch Phone: 7781004481
Branch Address: PANCHMOHALLA, Jehanabad, 804408
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll-free: 18001807777
FAQs
Q: Is PUNB0MBGB06 the only valid IFSC for this branch?
A: Yes. Following the merger and consolidation under Punjab National Bank, PUNB0MBGB06 is the valid IFSC. Old UBGB or DBGB IFSCs are revoked and will not work for transactions.
Q: What is the MICR code used for?
A: The MICR code 800811002 is used by the cheque-clearing system for faster processing of cheques. It is not required for NEFT/RTGS/IMPS transfers, which use IFSC.
Q: What if I use the wrong IFSC?
A: If the IFSC is wrong but still valid for another branch, the funds may be credited to that other branch and account if the account number matches; otherwise the transaction may fail and be returned. Contact your bank immediately with the UTR to trace and recover funds.
Q: Can I use mobile number or Aadhaar instead of IFSC for IMPS?
A: IMPS allows transfers via MMID (mobile money identifier) or Aadhaar-enabled payment system in some cases. However, for a bank account transfer to a specific branch account, providing the account number and IFSC (PUNB0MBGB06) is the standard and safest method.
Q: How can I confirm the IFSC before sending a large amount?
A: Confirm the IFSC by checking the bank-provided cheque leaf, passbook, or by calling the branch at 7781004481 or the head office / toll-free number 18001807777. Double-check the beneficiary account number as well.
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.