The Bihar Gramin Bank branch at Pakkisarai is located in Muzaffarpur district, Bihar (Pincode 843321). This IFSC code is required when you send or receive electronic payments to this branch using NEFT, RTGS or IMPS. The IFSC uniquely identifies the bank and branch so the payment routing is accurate and timely. Always confirm the IFSC and account details before initiating a transfer to avoid delays or returns.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Pakkisarai |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100875 |
| Branch Address | Pakkisarai, MUZAFFARPUR, 843321, 9297955388 |
| Contact Number | 9297955388 |
| City | MUZAFFARPUR |
| District | MUZAFFARPUR |
| Reason | MUZAFFARPUR |
| Pincode | 843321 |
| State | Bihar |
Merger Update
Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged into a unified structure under Punjab National Bank for electronic payments. The consolidated IFSC for branches now operating under this arrangement is PUNB0MBGB06. Old UBGB and DBGB IFSC codes have been revoked and are no longer valid for NEFT, RTGS or IMPS transactions. Use only the new IFSC PUNB0MBGB06 when transferring funds to this branch to ensure the transfer completes without being returned.
What is IFSC Code?
IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code used to identify bank branches in online payment systems. 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), unique to each branch (for example, “MBGB06” in PUNB0MBGB06).
How to Use IFSC Code
Follow these steps when sending money by NEFT, RTGS or IMPS to this branch:
- Open your bank’s payment portal or mobile app and choose NEFT, RTGS or IMPS depending on the amount and speed required.
- Enter the beneficiary’s account name and exact account number as given by the account holder.
- Enter the IFSC code: PUNB0MBGB06. Double-check each character; a wrong IFSC can route the payment incorrectly or cause a return.
- Enter the branch name (Pakkisarai) and MICR code 800811002 if requested.
- Enter the transfer amount and purpose, then verify the details on the confirmation screen.
- Authenticate the transaction using OTP or your bank’s chosen authentication method.
- Save the transaction reference number. Use it to track the payment or to report issues.
Note: RTGS is typically used for high-value, time-critical transfers. Check with your bank for any applicable minimum amount for RTGS (commonly used for amounts ₹2 lakh and above) and operating hours.
Benefits of Knowing the IFSC
- Ensures funds are routed to the correct bank branch without manual intervention.
- Reduces the risk of payment delays or returns.
- Required for all electronic payments—NEFT, RTGS and IMPS—as well as some bank forms and online forms.
- Makes reconciliation easier for businesses and timely credit for individuals receiving payments (salaries, pensions, vendor payments).
- Helps bank staff quickly verify branch identity when resolving transaction queries.
Contact
Branch phone no: 9297955388
Branch Address: Pakkisarai, MUZAFFARPUR, 843321
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777
FAQs
Q: How can I verify that PUNB0MBGB06 is the correct IFSC for Pakkisarai branch?
A: Verify with the branch phone number (9297955388) or check a printed bank document (cheque leaf or passbook) that lists the IFSC. Ask the branch to confirm if you are unsure.
Q: I have an old UBGB IFSC for an account at this branch. Can I still use it?
A: No. Old UBGB and DBGB IFSC codes have been revoked after the merger. Use only the new code PUNB0MBGB06 to avoid failed or returned transactions.
Q: What’s the difference between IFSC and MICR codes?
A: IFSC is used for electronic fund transfers to identify the bank and branch. MICR (Magnetic Ink Character Recognition) is used mainly for processing cheques and clearing paper instruments. IFSC is alphanumeric (11 characters); MICR is a 9-digit numeric code.
Q: What should I do if I entered the wrong IFSC by mistake?
A: Contact your bank immediately with the transaction reference number. If the transaction is still pending, the bank may be able to cancel it. If it has been credited incorrectly, the bank will follow procedures to recover funds and may require a written request from both remitter and beneficiary banks.
Q: How long do NEFT, RTGS and IMPS transfers take to reach the beneficiary?
A: IMPS is typically immediate (real-time) and works 24×7. NEFT settlement times depend on your bank and batch timings but are usually completed within a few hours to the same day. RTGS is for high-value transactions and is usually processed in real time during RTGS operating hours. Keep the transaction reference to track 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.