Bairgania is a town in Sitamarhi district, Bihar. This page covers the Bihar Gramin Bank, Bairgania branch and its IFSC code. The IFSC is essential for electronic fund transfers. Banks use it to route NEFT, RTGS and IMPS payments to the exact branch and account. Entering the correct IFSC prevents failed or misrouted transfers and speeds up settlement.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Bairgania |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100012 |
| Branch Address | Bairgania, SITAMARHI, 0, 9297954732 |
| Contact Number | 9297954732 |
| City | SITAMARHI |
| District | SITAMARHI |
| Reason | SITAMARHI |
| Pincode | 0 |
| State | Bihar |
Merger Update
Important: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) were merged under Punjab National Bank’s umbrella for operational and IT consolidation. The single, active IFSC for these consolidated operations is PUNB0MBGB06. Old UBGB and DBGB IFSC codes have been revoked. For all NEFT, RTGS and IMPS transfers to accounts that were earlier under UBGB or DBGB, use only PUNB0MBGB06. Using revoked/old IFSCs will cause transaction failures or delays.
What is an IFSC Code?
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to identify bank branches in electronic fund transfers.
- First 4 characters: Bank identifier. Example: PUNB = Punjab National Bank.
- 5th character: Reserved and usually a zero (0).
- Last 6 characters: Branch identifier. Example: in PUNB0MBGB06, the branch code portion is MBGB06.
So for PUNB0MBGB06: PUNB = bank, 0 = reserved character, MBGB06 = specific branch code used internally for routing.
How to Use IFSC Code for NEFT, RTGS and IMPS
- Get beneficiary details: name, account number and IFSC. Verify spellings and digits.
- Choose transfer type:
- IMPS — instant, 24×7, suitable for small/medium amounts (subject to bank limits).
- NEFT — available in batches; no minimum amount; convenient for most retail transfers.
- RTGS — meant for large-value transfers (generally ₹2,00,000 and above). Check your bank for current limits.
- In your bank’s online/mobile form, enter beneficiary account number and IFSC exactly as provided (for this branch use PUNB0MBGB06).
- Double-check details. A wrong IFSC can route funds to a different branch or cause failure.
- Submit the transfer and note the transaction reference or UTR number. Keep it until beneficiary confirms receipt.
- If transfer fails or goes to a wrong account, contact your bank immediately with the UTR and transaction details.
Benefits of Knowing the IFSC
- Ensures accurate routing of electronic payments to the exact branch.
- Prevents delays and failed transactions caused by incorrect branch details.
- Required for setting up salary credits, bill payments and standing instructions.
- Makes reconciliation easier — banks use IFSC+account to match credits and debits.
- Helps customer support identify transactions quickly using the branch code and UTR.
Contact
Branch Phone: 9297954732
Branch Address: Bairgania, SITAMARHI, 0, 9297954732
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 to transfer funds?
A: No. Old UBGB/DBGB IFSCs have been revoked after the merger. Use PUNB0MBGB06 for transfers related to the merged operations.
Q: Where can I find the IFSC on a cheque?
A: The IFSC is usually printed on the top of cheque leaves near the bank branch name or in the account details section. If not present, confirm with the branch or bank statement.
Q: What happens if I enter a wrong IFSC but a correct account number?
A: Banks route using IFSC for branch-level routing. A wrong IFSC may cause the transfer to fail, or in rare cases go to a different branch code. Contact your bank immediately with the UTR to trace and recover funds.
Q: Is IFSC required for mobile UPI transfers?
A: No. UPI uses virtual payment addresses and does not require an IFSC for person-to-person transfers. IFSC is needed for bank-to-bank transfers using NEFT/RTGS/IMPS when you provide account details directly.
Q: How do I confirm that PUNB0MBGB06 is correct for my beneficiary?
A: Verify with the beneficiary or the account holder’s branch. You can also call the branch at 9297954732 or use the bank’s toll-free number 18001807777 to confirm before sending funds.
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.