The Bihar Gramin Bank branch at Ahiyapur is located in Muzaffarpur district of Bihar (Pincode 842001). It serves retail customers and local businesses in and around Ahiyapur. For electronic fund transfers such as NEFT, RTGS and IMPS you must provide the correct IFSC code so the payment routing system can identify the bank and the exact branch. Using the right IFSC ensures timely settlement and reduces the risk of failed or misrouted transfers.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Ahiyapur |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100132 |
| Branch Address | Ahiyapur, MUZAFFARPUR, 842001, 9297955311 |
| Contact Number | 9297955311 |
| City | MUZAFFARPUR |
| District | MUZAFFARPUR |
| Reason | MUZAFFARPUR |
| Pincode | 842001 |
| State | Bihar |
Merger Update
This IFSC code PUNB0MBGB06 is issued under Punjab National Bank (PUNB) for branches that were earlier part of Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). Both UBGB and DBGB were merged into a single arrangement and now operate under the consolidated IFSC code PUNB0MBGB06. The old UBGB and DBGB IFSC codes have been revoked. For all electronic transfers (NEFT, RTGS, IMPS) you must use the new IFSC PUNB0MBGB06. Transactions attempted with revoked/old IFSC codes will fail or be returned.
What is IFSC Code?
The Indian Financial System Code (IFSC) is an 11-character alphanumeric code that uniquely identifies a bank branch for electronic payments. Its structure is fixed:
- First 4 characters: Alphabetic code of the bank. Example: PUNB stands for Punjab National Bank.
- 5th character: Always 0 (reserved for future use).
- Last 6 characters: Branch identifier (alphanumeric). Example: in PUNB0MBGB06, the last 6 characters are MBGB06, which identify the Ahiyapur branch in the bank’s IFSC system.
Note: The numeric branch code (for example 100132 for this branch) is a separate internal identifier and does not need to match the IFSC suffix exactly.
How to Use IFSC Code
Use the IFSC when setting up a beneficiary or making a bank-to-bank transfer through online or offline channels. Typical steps:
- Choose the transfer type: NEFT, RTGS, or IMPS in your bank’s app or internet banking portal.
- Enter beneficiary name and account number exactly as given by the payee.
- Enter the beneficiary bank’s IFSC: PUNB0MBGB06 (for Bihar Gramin Bank, Ahiyapur branch).
- Enter the amount and transaction remarks, then authenticate (OTP / PIN / token) per your bank’s process.
- Confirm the transfer summary before submitting. For offline transfers, fill the bank form with the IFSC and hand it to the teller.
Tip: For NEFT and IMPS, the transfer is typically credited faster. RTGS is used for high-value, real-time settlement where offered. Check with your bank for cut-off times and applicable limits.
Benefits of Knowing IFSC
- Accurate routing: Ensures funds reach the correct bank and branch without manual intervention.
- Faster processing: Required for NEFT, RTGS and IMPS, which speeds settlement compared with manual clearing.
- Error reduction: Using the correct IFSC reduces failed transactions and the need for reversals.
- Necessary for beneficiary setup: Many banks require IFSC to add a new payee for electronic transfers.
- Supports cheque and banking reconciliation: MICR and IFSC together help banks match and clear transactions.
Contact
Branch phone no: 9297955311
Branch Address: Ahiyapur, MUZAFFARPUR, 842001
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777
FAQs
Q: Where can I verify the IFSC for Bihar Gramin Bank Ahiyapur?
A: Verify it on the bank’s printed cheque leaf or passbook, by calling the branch at 9297955311, or by confirming with the bank’s customer service (toll free 18001807777). The correct IFSC for electronic transfers is PUNB0MBGB06.
Q: What happens if I enter a wrong IFSC?
A: If the IFSC does not match the beneficiary bank, the transfer will usually fail and be returned to the sender’s account. If an incorrect IFSC matches another valid branch, the funds may route to a different account—this requires a recovery request through the sending bank and can take time.
Q: Is IFSC the same as MICR?
A: No. IFSC (11 characters) is used for electronic transfers (NEFT/RTGS/IMPS). MICR (9 digits, here 800811002) is used primarily for cheque book clearing by the clearinghouse. Both are useful but serve different purposes.
Q: Can IFSC change after a bank merger?
A: Yes. After mergers, banks may reassign IFSC codes under the acquiring bank. For example, UBGB and DBGB branches now use the Punjab National Bank IFSC PUNB0MBGB06. Old codes from the pre-merger entities have been revoked and must not be used.
Q: Do I need IFSC for UPI transfers?
A: Generally no. UPI uses a Virtual Payment Address (VPA) and does not require IFSC for most person-to-person transfers. However, for NEFT/RTGS/IMPS or when adding a beneficiary in internet banking, IFSC is required.
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.