The Bihar Gramin Bank branch at Bandra serves the Bandra area in Muzaffarpur district, Bihar (PIN 843115). For electronic fund transfers—NEFT, RTGS and IMPS—you must use the correct IFSC code assigned to this branch. The IFSC uniquely identifies the bank and branch in India’s electronic payment systems. Using the wrong IFSC can delay or reject your transfer.
Branch Details
| Bank Name | Bihar Gramin Bank |
|---|---|
| Branch Name | Bandra |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100091 |
| Branch Address | Bandra, MUZAFFARPUR, 843115, 9297955329 |
| Contact Number | 9297955329 |
| City | MUZAFFARPUR |
| District | MUZAFFARPUR |
| Reason | MUZAFFARPUR |
| Pincode | 843115 |
| State | Bihar |
Merger Update
Important: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged under Punjab National Bank. As part of that consolidation, this branch now uses the single IFSC code PUNB0MBGB06 for all NEFT, RTGS and IMPS transactions. Any older IFSCs issued to UBGB or DBGB branches are revoked. Only the new PUNB0MBGB06 IFSC is valid for transfers to this branch. Always confirm the IFSC before transferring funds.
What is an IFSC Code?
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code that identifies a bank branch for electronic payments. The structure is fixed:
- 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). For this branch the last six are “MBGB06”.
Example: PUNB0MBGB06 breaks down as PUNB | 0 | MBGB06.
How to Use IFSC Code for NEFT, RTGS and IMPS
- Open your bank’s netbanking or mobile app and go to the “Add Beneficiary” or “Send Money” section.
- Enter the beneficiary name exactly as bank account records show. Minor mismatches may be flagged.
- Enter the account number and the IFSC code PUNB0MBGB06. For IMPS you usually need the same fields.
- Choose the transfer type: NEFT (standard), RTGS (for large-value transfers), or IMPS (instant, any time). Check your bank’s RTGS limits; many banks treat RTGS for higher-value payments, commonly transactions of ₹2 lakh and above, but confirm with your bank.
- Enter amount and purpose. Review all details carefully. A wrong IFSC or account number can cause a failed transfer or credit to the wrong account.
- Authenticate using your bank’s method (OTP, UPI PIN, hardware token). Keep transaction reference for tracking.
- If a transfer fails, contact the sending bank with the reference number. For disputes, the MICR (800811002) and branch code (100091) help the bank locate the account.
Benefits of Knowing the IFSC
- Accurate routing: Ensures money reaches the exact branch and account in NEFT/RTGS/IMPS systems.
- Faster processing: Correct IFSC reduces delays and manual interventions.
- Better troubleshooting: Providing IFSC, MICR and branch code speeds up bank enquiries if a transfer fails.
- Reduces fraud risk: Verifying IFSC against bank records helps detect phishing or fake beneficiary details.
- Required for digital services: Many bill payments, payroll credits and tax deposits require IFSC.
Contact
Branch phone: 9297955329
Branch address: Bandra, MUZAFFARPUR, 843115
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. After the merger of UBGB and DBGB into Punjab National Bank’s network, PUNB0MBGB06 is the valid IFSC. Old UBGB/DBGB IFSCs are revoked.
- Q: Can I use the MICR code instead of IFSC for electronic transfers?
A: No. MICR (800811002) is used for cheque clearing. For NEFT/RTGS/IMPS you must use the IFSC code.
- Q: What if I enter the wrong IFSC but correct account number?
A: Banks usually route by IFSC and account number together. A mismatch can lead to a failed transaction or manual intervention. Contact your bank immediately with the transaction reference to resolve.
- Q: Are there limits for IMPS, NEFT and RTGS from this branch?
A: Transaction limits are set by the sender’s bank and may vary. IMPS is typically for smaller instant transfers, NEFT has no fixed minimum, and RTGS is intended for high-value transfers (check your bank for exact thresholds and daily limits).
- Q: How long does an NEFT transfer to this branch take?
A: NEFT transfers are processed in batches and generally complete within a few hours on the same day. IMPS is immediate. RTGS is usually real-time for large-value transactions. Settlement times can vary by bank and time of request.
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.