BABHANIAON is a branch serving the Bhojpur district in Bihar (PIN 802204). It handles local retail and agricultural banking needs for residents and small businesses. For electronic fund transfers—NEFT, RTGS and IMPS—the correct IFSC code is essential. The IFSC uniquely identifies the bank and branch so that money is routed securely and quickly between banks.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | BABHANIAON |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 7010 |
| Branch Address | BABHANIAON, Bhojpur, 802204, 9771464010 |
| Contact Number | 9771464010 |
| City | Bhojpur |
| District | Bhojpur |
| Reason | ARA |
| Pincode | 802204 |
| State | Bihar |
Merger Update
Important: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged into Punjab National Bank (PNB). After the merger, all UBGB and DBGB branches now operate under the single IFSC PUNB0MBGB06. Old UBGB and DBGB IFSC codes have been revoked. For any NEFT, RTGS or IMPS transfer to the former UBGB/DBGB branches, use only the new IFSC PUNB0MBGB06. Transactions attempted with the old IFSC will fail or be delayed.
What is IFSC Code?
The Indian Financial System Code (IFSC) is an 11-character alphanumeric code used to identify a specific bank branch in electronic payments. The structure is fixed:
- First 4 characters: Bank identifier (e.g., PUNB = Punjab National Bank).
- 5th character: Always the number zero (0).
- Last 6 characters: Branch identifier (alphanumeric), unique to the branch (e.g., MBGB06).
Example: In PUNB0MBGB06, “PUNB” is the bank, “0” is reserved, and “MBGB06” is the branch code.
How to Use IFSC Code
Follow these steps when making an electronic transfer (NEFT, RTGS, IMPS):
- Open your bank’s netbanking app or visit the branch.
- Choose the transfer type: NEFT, RTGS or IMPS. (RTGS for large value real-time transfers; NEFT for batch-settled transfers; IMPS for instant mobile transfers.)
- Enter beneficiary name, account number and the IFSC code: PUNB0MBGB06.
- Verify the beneficiary bank and branch details shown by the app. The display should match “Bihar Gramin Bank / BABHANIAON” or “Punjab National Bank” post-merger as applicable.
- Enter amount and narration. Confirm and authorize using OTP or UPI PIN.
- Keep the transaction reference number for tracking.
Tip: If the bank name or branch shown after entering IFSC does not match expected details, stop and verify with the sender or call the branch number before completing the transfer.
Benefits of Knowing the IFSC
- Ensures funds reach the correct branch and account without delay.
- Prevents failed transactions that lead to reversal delays and extra follow-up with banks.
- Required for all electronic transfers: NEFT, RTGS and IMPS.
- Makes reconciliation and record-keeping easier—IFSC is stored in beneficiary lists for repeat payments.
- Helps verify branch identity when branches are merged or restructured.
Contact
Branch Phone: 9771464010
Branch Address: BABHANIAON, Bhojpur, 802204
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll Free: 18001807777
FAQs
Q: Is PUNB0MBGB06 the correct IFSC for BABHANIAON branch?
A: Yes. The current valid IFSC for BABHANIAON is PUNB0MBGB06. Use this code for NEFT, RTGS and IMPS.
Q: Can I use an old UBGB IFSC for transfers to this branch?
A: No. Old UBGB IFSC codes have been revoked after the merger. Only the new IFSC PUNB0MBGB06 is valid. Using the old code will cause the transfer to fail or be delayed.
Q: How can I verify the IFSC before sending money?
A: Enter the IFSC in your bank’s transfer form. The app or netbanking portal should display the bank and branch name. You can also call the branch at 9771464010 to confirm.
Q: Is IFSC case sensitive?
A: No. IFSC is not case sensitive. PUNB0MBGB06 or punb0mbgb06 will be treated the same. Still, use uppercase for clarity.
Q: How long do NEFT, RTGS and IMPS transfers take?
A: IMPS is instant (seconds). RTGS is real-time for high-value transfers and typically completes within minutes. NEFT is settled in hourly or half-hourly batches depending on the bank’s schedule. Always check cut-off times with your bank for same-day credit.
Q: What should I do if a transfer fails?
A: Keep the transaction reference and contact your bank. Provide the beneficiary details and IFSC. If funds were debited, banks will trace and reverse failed transactions; this can take a few working days depending on banks involved.
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.