Bairiya Chowk branch of Bihar Gramin Bank is located in Muzaffarpur, Bihar (PIN 842003). This branch serves retail and rural customers in the MUZAFFARPUR district and supports inward and outward electronic fund transfers. For NEFT, RTGS and IMPS transfers, the correct IFSC code is essential. The IFSC identifies the bank and branch uniquely so funds route to the right account without delays or rejections.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Bairiya Chowk |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100102 |
| Branch Address | Bairiya Chowk, MUZAFFARPUR, 842003, 9297955321 |
| Contact Number | 9297955321 |
| City | MUZAFFARPUR |
| District | MUZAFFARPUR |
| Reason | MUZAFFARPUR |
| Pincode | 842003 |
| State | Bihar |
Merger Update
Important: If this branch previously belonged to Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB), note that both regional banks were integrated into Punjab National Bank’s system for electronic clearing. All branches now operate under the single IFSC PUNB0MBGB06 assigned under Punjab National Bank. Old UBGB/DBGB IFSC codes have been revoked and are no longer valid for NEFT/RTGS/IMPS. Only the new IFSC should be used for any electronic transaction to avoid failed transfers or delays.
What is IFSC Code?
The IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to identify bank branches in electronic payment systems. Its structure:
- First 4 characters — bank identifier (alphabetic). Example: PUNB denotes Punjab National Bank.
- 5th character — always 0 (reserved for future use).
- Last 6 characters — branch identifier (alphanumeric). Example: in PUNB0MBGB06, MBGB06 is the branch segment.
How to Use IFSC Code
Use the IFSC when sending or receiving funds via NEFT, RTGS or IMPS. Steps:
- Open your bank’s internet banking or mobile app and go to “Funds Transfer” or “Add Beneficiary”.
- Choose transfer type: NEFT, RTGS or IMPS depending on urgency and value.
- Enter beneficiary name, bank account number and the IFSC: PUNB0MBGB06.
- Verify the branch name (Bairiya Chowk, MUZAFFARPUR) shown by the app before confirming.
- Enter amount and confirm using OTP or transaction PIN. Save beneficiary after successful addition.
- For large value or time-sensitive transfers, prefer RTGS (real-time). For immediate smaller transfers, choose IMPS. NEFT is suitable for standard transfers and is now available round-the-clock in most banks.
Benefits of Knowing the IFSC
- Ensures funds reach the correct branch and account without manual intervention.
- Prevents failed or returned transactions due to incorrect branch routing.
- Required for adding beneficiaries in internet and mobile banking platforms.
- Useful when filling electronic forms, tax payments, utility payments and receiving inward credits (salaries, refunds).
- Makes reconciliation easier for businesses and for tracing transaction status with the bank.
Contact
Branch phone no: 9297955321
Branch Address: Bairiya Chowk, MUZAFFARPUR, 842003
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777
FAQs
Q: Where can I find the IFSC for Bihar Gramin Bank Bairiya Chowk?
A: The IFSC is PUNB0MBGB06. You can also find it on your cheque leaf, passbook or by asking the branch directly at 9297955321.
Q: Can I use an old UBGB or DBGB IFSC for transfers to this branch?
A: No. Old UBGB/DBGB IFSC codes have been revoked after integration into Punjab National Bank. Use only PUNB0MBGB06 to avoid transfer failures.
Q: What happens if I enter a wrong IFSC?
A: If the IFSC does not map to any branch, the transfer will likely be rejected and funds returned to the sender’s account. If the IFSC points to a different branch but the account number matches a valid account, the funds could be routed incorrectly. Always double-check IFSC and account number before sending funds.
Q: Is IFSC case-sensitive?
A: No. IFSC codes are not case-sensitive, but it is best practice to enter them in the standard uppercase format (e.g., PUNB0MBGB06).
Q: How long do NEFT, RTGS and IMPS transfers take?
A: IMPS is immediate and available 24×7. RTGS processes in real time and is suitable for high-value transactions. NEFT processes in batches but, in most banks, is available round-the-clock and settles quickly. Timing also depends on both banks’ processing and cut-off policies.
Q: I added a beneficiary with an incorrect IFSC. How do I fix it?
A: Delete or cancel the beneficiary entry in your internet banking or mobile app. Add the beneficiary again with the correct IFSC PUNB0MBGB06. If funds are debited and not credited, contact your home bank immediately with transaction reference and the beneficiary bank details.
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.