Bihar Gramin Bank Baigna IFSC Code

Baigna is a rural branch location in Muzaffarpur district, Bihar. This article lists the Bihar Gramin Bank Baigna branch details and explains why the IFSC code matters for electronic fund transfers. You need the correct IFSC to route payments through NEFT, RTGS and IMPS. A wrong or outdated IFSC can delay a payment or cause it to be returned.

Branch Details

Merger Update

This branch now uses the unified IFSC code PUNB0MBGB06 under Punjab National Bank. Both Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) were merged and their operations have been integrated. Old UBGB IFSC codes have been revoked. For any electronic transfer to this branch use only PUNB0MBGB06. Transactions sent with the revoked old codes may fail or be returned.

What is IFSC Code?

The Indian Financial System Code (IFSC) is an 11-character alphanumeric code used to identify bank branches in electronic payments.

• First 4 characters — bank identifier. Example: PUNB = Punjab National Bank.
• 5th character — is a reserved zero. Always 0 in the standard IFSC format.
• Last 6 characters — branch identifier. Example: MBGB06 identifies the specific Baigna branch under the merged coding.

So PUNB0MBGB06 breaks down as PUNB (bank) + 0 (reserved) + MBGB06 (branch).

How to Use IFSC Code

Follow these steps when sending money via NEFT, RTGS or IMPS.

• Log in to your bank app or netbanking portal.
• Choose transfer type: IMPS for instant small-value transfers, NEFT for regular transfers, RTGS for large-value urgent transfers (confirm your bank’s limits and cut-off rules).
• Select “Add Beneficiary” or “New Payee.” Enter beneficiary name and account number exactly as on their bank passbook.
• Enter the IFSC code PUNB0MBGB06 and verify the bank/branch name shown by the portal. Confirm the branch displays as Baigna / Muzaffarpur.
• Complete beneficiary verification (OTP or bank token). Some banks take a short cooling period before the beneficiary is active.
• Initiate the transfer. Keep the transaction reference or UTR for tracking.
• If a transfer fails, check the IFSC and account number first. Contact the beneficiary branch using the listed phone number if needed.

Benefits of Knowing the IFSC

• Ensures funds route to the correct bank branch.
• Required field for NEFT, RTGS and IMPS transfers.
• Reduces chances of transfer delays and returns.
• Makes reconciliation and tracking easier using the UTR tied to the correct branch.
• Helps verify beneficiary details during payee setup in netbanking or payment portals.

Contact

Branch phone no: 9297955320
Branch Address: Baigna, MUZAFFARPUR, 843321
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777

FAQs

• Q: How do I confirm the IFSC before sending money?
  A: Check the IFSC provided here: PUNB0MBGB06. Enter it in your bank’s payee form and confirm the displayed branch name is Baigna, Muzaffarpur. If the bank app shows a different branch, do not proceed until you verify with the branch phone number.
• Q: Can I use old UBGB or DBGB IFSC codes for transfers?
  A: No. Old UBGB/DBGB IFSC codes have been revoked after the merger. Use only PUNB0MBGB06 for transfers to this branch.
• Q: What happens if I enter a wrong IFSC but correct account number?
  A: Many systems validate IFSC and account number combination. A mismatch can cause the transfer to fail or be returned. If the transfer succeeds despite incorrect IFSC, funds may route incorrectly. Contact your bank immediately with the transaction reference.
• Q: Is IFSC case-sensitive?
  A: No. IFSC is alphanumeric and typically entered in upper case. Systems accept lower- or upper-case, but it’s best to use the uppercase form as shown: PUNB0MBGB06.
• Q: How long do transfers take to reach this branch?
  A: IMPS is instant. NEFT and RTGS timings depend on the sending and receiving bank systems and any cooling periods for new beneficiaries. If a payment is delayed, use the UTR/transaction reference and contact your bank or the branch at 9297955320.

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.