The Bihar Gramin Bank branch at Ramnagar in Muzaffarpur district, Bihar (pincode 844120) serves local residents and businesses for deposits, withdrawals, remittances and other retail banking needs. For electronic fund transfers such as NEFT, RTGS and IMPS, the branch’s IFSC code is the key identifier that routing systems and banks use to send money securely and accurately to the right bank and branch.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Ramnagar |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100078 |
| Branch Address | Ramnagar, MUZAFFARPUR, 844120, 9297955398 |
| Contact Number | 9297955398 |
| City | MUZAFFARPUR |
| District | MUZAFFARPUR |
| Reason | MUZAFFARPUR |
| Pincode | 844120 |
| State | Bihar |
Merger update
Important: The Ramnagar branch was part of the regional Gramin banks that have been consolidated under Punjab National Bank (PNB). Both Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have merged into a single entity and now use the unified IFSC PUNB0MBGB06 under Punjab National Bank for electronic transactions. Old UBGB/DBGB IFSC codes have been revoked. Use only the new IFSC PUNB0MBGB06 when sending or receiving NEFT, RTGS or IMPS payments to this branch.
What is an IFSC code?
The Indian Financial System Code (IFSC) is an 11-character alphanumeric code that uniquely identifies a bank branch in electronic payment systems. Its structure is:
- First 4 characters — bank identifier (for example, PUNB = Punjab National Bank).
- 5th character — always 0 (reserved for future use).
- Last 6 characters — branch identifier (alphanumeric), e.g., MBGB06 in PUNB0MBGB06.
So, PUNB0MBGB06 means Punjab National Bank, branch code MBGB06 (Ramnagar under the merged structure).
How to use the IFSC code for NEFT, RTGS, IMPS
Steps to make a transfer from your bank account or mobile app:
- Open your bank’s netbanking or mobile banking app and choose the fund transfer option (NEFT/RTGS/IMPS).
- Select transfer type: NEFT for regular transfers, RTGS for high-value/priority transfers, IMPS for instant 24×7 small-value transfers. Confirm current limits with your bank.
- Enter beneficiary name and account number exactly as provided by the recipient.
- Enter the IFSC code: PUNB0MBGB06 (this ensures funds reach Bihar Gramin Bank, Ramnagar branch routed via PNB network).
- Enter amount and any required purpose/remarks. Verify details and authorize the transaction (OTP or banking password).
- Save beneficiary if you will pay again. Keep transaction reference for tracking.
Benefits of knowing the IFSC code
- Ensures accurate routing of electronic funds to the correct bank and branch.
- Reduces failed or misdirected transfers, saving time and follow-up work.
- Required for NEFT, RTGS and IMPS — you cannot complete an electronic transfer without it.
- Helps verify beneficiary details when taking cheques or account instructions.
- Facilitates bulk or payroll transfers when employers or institutions need precise branch identifiers.
Contact
Branch phone: 9297955398
Branch address: Ramnagar, MUZAFFARPUR, 844120
Head office address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free number: 18001807777
Frequently Asked Questions (FAQs)
Q: Is PUNB0MBGB06 the only valid IFSC for this branch?
A: Yes. After the merger into Punjab National Bank, PUNB0MBGB06 is the valid IFSC for the Ramnagar branch. Old UBGB/DBGB IFSCs have been revoked.
Q: What is the difference between IFSC and MICR?
A: IFSC is used for electronic fund transfers (NEFT/RTGS/IMPS). MICR (Magnetic Ink Character Recognition) is a 9-digit code printed on cheques used mainly for cheque clearance through clearing houses. Both identify banks, but for different systems.
Q: What happens if I enter the wrong IFSC while transferring funds?
A: If the IFSC does not match the entered account number and bank name, the transfer may fail or be routed to the wrong branch. Banks usually validate IFSC vs bank name/account; if a wrong but valid IFSC is used, the receiving bank may hold or return funds. Contact your bank immediately to trace or reverse the payment.
Q: Are IFSC codes case-sensitive?
A: No. IFSC codes are not case-sensitive. You can enter them in upper or lower case, but it’s best to copy exactly as provided to avoid typos.
Q: How long do NEFT, RTGS and IMPS transfers take?
A: IMPS is typically instant (seconds to a few minutes). NEFT settles in hourly batches or near real-time depending on banking hours and system updates. RTGS is real-time gross settlement and is used for high-value payments; timing can be immediate, but check your bank’s cut-off and operational hours. For urgent transfers, confirm the service and timing with your bank.
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.