The Bihar Gramin Bank branch at Bahilwara is located in Muzaffarpur district of Bihar (Pincode 844111). This branch uses the IFSC code PUNB0MBGB06 for electronic fund transfers. An IFSC code is essential when sending or receiving money through NEFT, RTGS or IMPS. It uniquely identifies the bank and branch so payments route correctly and settle without delay.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Bahilwara |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100105 |
| Branch Address | Bahilwara, MUZAFFARPUR, 844111, 9297955318 |
| Contact Number | 9297955318 |
| City | MUZAFFARPUR |
| District | MUZAFFARPUR |
| Reason | MUZAFFARPUR |
| Pincode | 844111 |
| State | Bihar |
Merger Update
Important: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been consolidated under Punjab National Bank. After the merger, the unified IFSC used for the merged regional rural banks is PUNB0MBGB06. Old IFSC codes that belonged to UBGB or DBGB have been revoked. For all NEFT, RTGS and IMPS transactions to this branch, use only the new IFSC PUNB0MBGB06. Using revoked or old IFSC codes can cause transfer failures or delays.
What is IFSC Code?
The IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to identify bank branches for electronic payments. Its structure is:
- First 4 characters: Bank code (alphabetic). Example: PUNB = Punjab National Bank.
- 5th character: Always 0 (reserved for future use).
- Last 6 characters: Branch identifier (often numeric or alphanumeric). Example: MBGB06 in PUNB0MBGB06 identifies the specific branch/unit.
How to Use IFSC Code
Use the IFSC when setting up or making an electronic transfer. Typical steps for NEFT, RTGS and IMPS:
- Open your bank’s netbanking site, mobile app, or visit a branch for a manual form.
- Choose the transfer type: NEFT, RTGS or IMPS. (RTGS is for real-time settlement; check your bank for any per-transaction limits.)
- Enter beneficiary name and account number exactly as provided.
- Enter the IFSC: PUNB0MBGB06 for Bihar Gramin Bank, Bahilwara.
- Enter amount and optional remarks.
- Verify details carefully. A wrong IFSC or account number can delay the transfer or cause rejection.
- Authenticate the transaction (OTP, token, or password) to complete the transfer.
Benefits of Knowing the IFSC
- Ensures funds route to the correct bank and branch for NEFT/RTGS/IMPS transfers.
- Speeds up processing and reduces failed transfer cases.
- Required when adding beneficiaries in netbanking or mobile banking apps.
- Helps customer service verify transaction details quickly.
- Useful when reconciling payments or checking bank instructions on forms and cheques.
Contact
Branch phone no: 9297955318
Branch Address: Bahilwara, MUZAFFARPUR, 844111
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777
FAQs
Q: Is PUNB0MBGB06 the only IFSC I should use for this branch?
A: Yes. After the merger into Punjab National Bank, the valid IFSC for this branch is PUNB0MBGB06. Old IFSC codes from UBGB/DBGB are revoked and should not be used.
Q: Where can I find the IFSC on bank documents?
A: You can find the IFSC on the cheque leaf, passbook, bank statements, or by asking the branch. Always confirm the code before adding a beneficiary.
Q: What happens if I enter a wrong IFSC but the correct account number?
A: If the IFSC points to a different bank/branch, the transfer may fail or be returned. If the IFSC and account number point to the same valid branch, the payment may succeed. Always verify both account number and IFSC to avoid errors.
Q: Does IFSC change after a bank merger?
A: Yes. After mergers, banks sometimes switch to a new IFSC pattern under the surviving bank. In this case, UBGB/DBGB branches now use PUNB0MBGB06. Old codes are typically revoked.
Q: Are IFSC and MICR the same?
A: No. IFSC is used for electronic transfers (NEFT/RTGS/IMPS). MICR (Magnetic Ink Character Recognition) code, like 800811002, is used mainly for cheque processing and clearing in the physical (paper) clearing system.
Q: Can I use the IFSC for mobile wallet or UPI transfers?
A: UPI and many wallet-to-bank transfers use the bank account and UPI ID, not IFSC directly. However, when adding a bank account to some apps, you may need the IFSC to link the account for NEFT/RTGS/IMPS transfers.
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.