Bihar Gramin Bank Akbarnagar IFSC Code

Bihar Gramin Bank Akbarnagar branch is located in Akbarnagar, Bhagalpur, Bihar — pin code 812006. This branch serves retail and rural customers in Bhagalpur district. For electronic fund transfers such as NEFT, RTGS and IMPS you must use the branch IFSC code. The IFSC ensures the payment routes to the correct bank and branch. A wrong or revoked IFSC can delay or block a transfer, so always confirm the code before sending money.

Branch Details

Merger Update

This branch uses the IFSC code PUNB0MBGB06 under Punjab National Bank. Note: the two regional rural banks — Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) — have been merged into a single entity operating under Punjab National Bank’s IFSC series. Old UBGB and DBGB IFSC codes have been revoked. For all NEFT/RTGS/IMPS transactions use only the new IFSC PUNB0MBGB06. Transactions initiated 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 used to route electronic payments. Structure:

• First 4 characters — identify the bank (example: PUNB = Punjab National Bank).
• 5th character — is always the digit 0 (reserved for future use).
• Last 6 characters — identify the specific branch (example: MBGB06 in PUNB0MBGB06).

Together the 11 characters uniquely identify a bank branch for electronic transfers.

How to Use IFSC Code (NEFT / RTGS / IMPS)

• Open your bank’s internet banking or mobile banking app, or visit a branch.
• Choose the transfer type: NEFT, RTGS or IMPS. (IMPS is instant and available 24×7; RTGS is for large-value transfers — minimum typically ₹2,00,000 — and NEFT is used for routine transfers.)
• Add a new beneficiary: enter beneficiary name, beneficiary account number, and the IFSC PUNB0MBGB06.
• Verify the IFSC visually. The bank name (Punjab National Bank) and branch (Akbarnagar / Bhagalpur) should match.
• Enter the amount and any remarks. Confirm limits and charges shown by your bank.
• Authorize the payment using the OTP or other authentication method your bank requires.
• Save the beneficiary. For NEFT/RTGS/IMPS, the funds will route using the IFSC to the Akbarnagar branch’s account.
• If you get a transfer failure, check whether the IFSC or account number is correct. If the IFSC was revoked (post-merger), contact your bank or beneficiary to get the valid code.

Benefits of Knowing the IFSC

• Ensures funds route to the exact branch and account.
• Prevents transfer failures or returns due to incorrect routing.
• Required for registering beneficiaries in internet banking and UPI setups in some banks.
• Helps customer support trace and resolve failed or delayed transactions faster.
• Useful for verifying beneficiary details before sending large sums (RTGS) or time-sensitive payments.

Contact

Branch Phone: 8102926347

Branch Address: Akbarnagar, Bhagalpur, 812006

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

Toll Free: 18001807777

FAQs

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

  A: No. Old UBGB and DBGB IFSC codes have been revoked after the merger. Use only the new IFSC PUNB0MBGB06 for NEFT, RTGS and IMPS.

• Q: What happens if I enter the wrong IFSC but the correct account number?

  A: Most systems use both account number and IFSC. If IFSC points to a different bank/branch, the transfer may fail or be returned. If the account number and IFSC both match a valid account, funds may still reach the intended beneficiary. Always confirm both to avoid delays.

• Q: Is RTGS faster than NEFT?

  A: RTGS is designed for high-value, real-time gross settlement and is suitable for large amounts (minimum usually ₹2,00,000). NEFT processes transactions in near real-time and is typically used for routine transfers. Both RTGS and NEFT are available 24×7, but check your bank for cut-off and processing policies.

• Q: Can I transfer funds to this branch using UPI?

  A: UPI uses Virtual Payment Addresses (VPAs) and does not require IFSC. However, if you add a beneficiary by bank account, you will need the IFSC (PUNB0MBGB06) and account number.

• Q: How do I confirm the IFSC is valid before sending money?

  A: Confirm the IFSC with the beneficiary, check the bank’s official communications, or call the branch at 8102926347. After the UBGB/DBGB merger, only PUNB0MBGB06 is valid for this branch.

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.