Bihar Gramin Bank Mozaffarganj IFSC Code

The Bihar Gramin Bank branch at Mozaffarganj is located in Munger (Monghyr), Bihar (Pincode 811213). This branch serves retail and rural customers in the area and supports electronic fund transfers. For NEFT, RTGS and IMPS transactions you must use the correct IFSC code. The IFSC identifies the exact bank and branch in the payments network and ensures funds route correctly and quickly.

Branch Details

Merger Update

If this branch previously operated under Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB), note the following. Both regional gramin banks were merged under Punjab National Bank for the purpose of centralised clearing. The unified IFSC in use now is PUNB0MBGB06. Old UBGB/DBGB IFSC codes have been revoked and will not work for NEFT/RTGS/IMPS. Always use the new IFSC (PUNB0MBGB06) for transactions to avoid failed or misrouted transfers.

What is IFSC Code?

The IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to identify bank branches for electronic transfers. Its structure is:

• First 4 characters: bank identifier (example: PUNB = Punjab National Bank).
• 5th character: reserved and is 0 by standard convention.
• Last 6 characters: branch identifier (example: MBGB06 in PUNB0MBGB06).

This structure helps payment systems and banks route payments to the exact branch and account.

How to Use IFSC Code for NEFT / RTGS / IMPS

• Log in to your bank’s netbanking, mobile banking app, or visit the branch for an over‑the‑counter transfer.
• Choose the fund transfer option and select NEFT, RTGS or IMPS based on urgency and bank rules. (RTGS is intended for high‑value transfers; confirm limits with your bank.)
• Add beneficiary: enter beneficiary name, account number and the IFSC PUNB0MBGB06. Double-check spelling and digits.
• Save beneficiary. Many banks perform a validation (micro‑OTP or small test credit) before the first transfer.
• Initiate the transfer: choose the saved beneficiary, enter amount and purpose, and confirm using OTP or transaction PIN.
• Record the transaction reference number. If a transfer fails, use this reference when contacting the bank.

Benefits of Knowing the Correct IFSC

• Prevents misdirected payments. Electronic transfers go to the exact branch and account.
• Reduces failed transactions and related delays.
• Needed to add beneficiaries quickly in netbanking and mobile apps.
• Required for documentation: tax payments, salaries, vendor payments, and refunds.
• Essential after bank mergers or branch reorganisation to use the updated code.

Contact

Branch Phone: 8102918715

Branch Address: Mozaffarganj, Munger (Monghyr), 811213

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. PUNB0MBGB06 is the current and valid IFSC. Any old IFSCs used by UBGB or DBGB have been revoked after the merger. Use PUNB0MBGB06 for all electronic transfers.

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

  A: If the IFSC does not match the account number and bank, the transfer may fail or be returned. If it routes to a wrong branch but the account number exists, funds could reach a different account. Always verify both the IFSC and account number before confirming.

• Q: How can I verify this IFSC before sending money?

  A: Verify with the beneficiary (ask for a cancelled cheque or bank statement showing IFSC), call the branch number (8102918715), or check the bank’s official communication. After a merger, confirm that old codes are revoked and that PUNB0MBGB06 is in use.

• Q: Are there limits or timings for NEFT, RTGS and IMPS?

  A: IMPS is real‑time and available 24×7 for immediate small to medium transfers. NEFT operates in batch windows (most banks run NEFT round the clock now, but confirm with your bank). RTGS is for large‑value transfers—check your bank for current minimums and operating hours. Bank policies and RBI guidelines dictate exact timings and limits.

• Q: Who should I contact if a transfer to PUNB0MBGB06 fails?

  A: Keep the transaction reference. Contact your bank’s customer service and provide the reference, beneficiary details and timestamp. You can also call the branch at 8102918715 or the head office toll free number 18001807777 for guidance.

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.