The Bihar Gramin Bank branch at Baidrabad serves residents of Arwal district in Bihar (PIN 804402). For anyone sending or receiving money to this branch, the correct IFSC is essential. The IFSC uniquely identifies the bank branch for electronic fund transfers via NEFT, RTGS and IMPS. Entering the wrong code can delay payments or route funds to the wrong branch, so use the exact IFSC provided by the branch when you make transfers.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | BAIDRABAD |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 7087 |
| Branch Address | BAIDRABAD, Arwal, 804402, 9771464087 |
| Contact Number | 9771464087 |
| City | Arwal |
| District | Arwal |
| Reason | AURANGABAD |
| Pincode | 804402 |
| State | Bihar |
Merger Update
Important: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged into the sponsored structure now operating under Punjab National Bank for electronic clearing purposes. As a result, old UBGB and DBGB IFSC codes have been revoked. All electronic transactions for the affected branches must use the single valid IFSC PUNB0MBGB06 (Punjab National Bank). Using any old UBGB/DBGB IFSC will result in transaction failure or delays.
What is IFSC Code?
The IFSC (Indian Financial System Code) is an 11-character alphanumeric code that uniquely identifies a bank branch for electronic payments. The structure is:
- First 4 characters: Bank identifier. Example: PUNB = Punjab National Bank.
- 5th character: Always 0 (reserved for future use).
- Last 6 characters: Branch identifier. Example: MBGB06 denotes the specific branch code portion in PUNB0MBGB06.
So in PUNB0MBGB06: PUNB = bank, 0 = reserved, MBGB06 = branch code segment. The separate numeric Branch Code (here 7087) may be used by the bank for internal identification but is not part of the IFSC format.
How to Use IFSC Code
- Open your bank’s fund transfer page (netbanking or mobile app).
- Choose transfer type: NEFT, RTGS or IMPS. RTGS is for high-value real-time gross settlement; NEFT settles in batches; IMPS is instant and available 24×7.
- Enter beneficiary name, account number and the IFSC PUNB0MBGB06 exactly as shown.
- Double-check the branch name (BAIDRABAD) and city (Arwal) shown by the app after you enter IFSC. Confirm beneficiary details before proceeding.
- Enter amount and transaction remark if needed. Authorize with OTP or secure PIN.
- Save the beneficiary after a successful transfer if you will pay again. For NEFT/RTGS, some banks may require beneficiary activation delay (up to a few hours) before repeat transfers.
- If you are unsure about the IFSC, verify on a bank cheque leaf, passbook, or call the branch before transferring.
Benefits of Knowing the IFSC
- Ensures funds are routed to the correct branch for NEFT, RTGS and IMPS.
- Reduces failed or misdirected transactions and related delays.
- Speeds up reconciliation for businesses and beneficiaries.
- Makes it possible to add beneficiaries accurately in netbanking or mobile apps.
- Helps customer service quickly identify branch details using IFSC and MICR codes.
Contact
Branch Phone: 9771464087
Branch Address: BAIDRABAD, Arwal, 804402
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll Free: 18001807777
FAQs
Q: Is PUNB0MBGB06 the only IFSC I should use for this branch?
A: Yes. Use PUNB0MBGB06 for all NEFT, RTGS and IMPS transfers to this branch. Old UBGB/DBGB IFSCs have been revoked and will not work.
Q: Where can I find the IFSC on a cheque or passbook?
A: The IFSC is printed on the cheque leaf, usually on the top right or near the MICR line. It may also appear on the passbook or account opening documents.
Q: What is the difference between IFSC and MICR?
A: IFSC is used for electronic fund transfers and identifies the bank branch. MICR (Magnetic Ink Character Recognition) code is used mainly for processing cheques and clearing within the banking system. IFSC is alphanumeric (11 chars); MICR is a 9-digit numeric code.
Q: If I enter the wrong IFSC, what happens?
A: If the IFSC does not match the beneficiary bank account details, the transaction may fail or be routed to a different branch. Banks usually validate IFSC and account number combinations and will reject mismatches, causing delays. Always verify before confirming.
Q: How long do NEFT, RTGS and IMPS transfers take?
A: IMPS is instant (real-time, 24×7). NEFT processes in batch cycles (now often near-real-time but may vary by bank and time). RTGS is real-time for high-value transfers and typically completes within minutes during business hours. Bank cutoffs and maintenance windows can affect timing.
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.