Bihar Gramin Bank A P COLONY GAYA IFSC Code

The A P COLONY GAYA branch of Bihar Gramin Bank is located in Gaya district, Bihar (PIN 823001). This page provides the branch details and explains the importance of the IFSC code for electronic fund transfers. The IFSC code is required to route payments through NEFT, RTGS and IMPS. Using the correct IFSC ensures that funds reach the intended branch and account quickly and without rejection.

Branch Details

Merger Update

If this branch previously belonged to Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB), note the following: both UBGB and DBGB have been merged into a single structure under Punjab National Bank. The consolidated IFSC code in use for these merged branches is PUNB0MBGB06. All old UBGB and DBGB IFSC codes have been revoked. For NEFT, RTGS and IMPS transactions, only the new IFSC PUNB0MBGB06 is valid. Using any revoked IFSC will result in transfer failure or rejection.

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 — identify the bank (for example, PUNB for Punjab National Bank).
• 5th character — is always 0 (reserved for future use).
• Last 6 characters — identify the specific branch (for example, MBGB06 in PUNB0MBGB06).

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

How to Use IFSC Code

• Open your bank’s netbanking or mobile banking app and go to the “Add Beneficiary” or “New Payee” section.
• Enter the beneficiary name exactly as on the account.
• Choose the bank and enter the IFSC code: PUNB0MBGB06. The bank name will usually auto-populate when the IFSC is correct.
• Enter the beneficiary account number and confirm by re-entering if asked.
• Select the transfer mode:
  • NEFT — no minimum amount; settles in batches.
  • RTGS — for high-value transfers; usually minimum ₹2 lakh (check bank rules).
  • IMPS — immediate payments, 24×7, usually for smaller amounts.
• Verify all details carefully (IFSC, account number, beneficiary name) before confirming.
• Complete the transfer with your transaction PIN or OTP. Save the transaction reference for tracking.
• If the bank or branch name does not match the IFSC you entered, stop and verify. Discrepancies can cause reversals or delays.

Benefits of Knowing the IFSC

• Ensures accurate routing of electronic payments through NEFT, RTGS and IMPS.
• Reduces failed or returned transactions due to wrong branch identification.
• Helps validate beneficiary details during onboarding in netbanking apps.
• Useful for reconciliation and record-keeping, since IFSC encodes bank and branch identity.
• Required by employers, government agencies and other institutions for direct credit of payments.

Contact

Branch Phone: 9771464231

Branch Address: A P COLONY GAYA, Gaya, 823001

Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR

Toll Free: 18001807777

FAQs

• Q: Can I use the old UBGB IFSC for transfers?

  A: No. Old UBGB IFSC codes have been revoked after the merger. Use the new IFSC PUNB0MBGB06 for all transactions.

• Q: Where can I verify this IFSC before sending money?

  A: Verify the IFSC on your bank passbook, deposit slip, official bank branch notice, or by calling the branch number 9771464231. Also confirm with the sending bank’s beneficiary creation screen which often validates IFSC automatically.

• Q: What is the difference between MICR and IFSC?

  A: IFSC (11 characters) is used for electronic fund transfers (NEFT/RTGS/IMPS). MICR (9 digits) is used mainly for processing cheques by the clearing system. For NEFT/RTGS/IMPS you must use IFSC.

• Q: My transfer shows “pending” for a long time. What should I do?

  A: First check the transaction reference. Confirm the IFSC and account number used. If details were correct, contact your bank and provide the reference. If incorrect IFSC was used, the transfer may be returned; revoked IFSCs will cause failures. For follow-up with the beneficiary branch call 9771464231.

• Q: Is IMPS available 24×7 for this branch?

  A: IMPS is an online instant payment service available 24×7 through banks. Confirm with the sending bank’s service availability and limits. The branch processing does not affect IMPS timing since it is portal-driven.

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.