Bihar Gramin Bank Begusarai IFSC Code

Bihar Gramin Bank Begusarai IFSC Code

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The Bihar Gramin Bank branch in Begusarai serves retail and business customers in Begusarai district, Bihar (PIN 851101). For all bank-to-bank electronic transfers — NEFT, RTGS and IMPS — you must use the correct IFSC code. The IFSC uniquely identifies the bank and branch so funds route to the right account. Using the wrong IFSC can delay transfers or cause failed transactions.

Branch Details

Bank Name Bihar Gramin Bank
Branch Name Begusarai
IFSC Code PUNB0MBGB06
MICR Code 800811002
Branch Code 3801
Branch Address Begusarai, Begusarai, 851101, 8102918642/ 43
Contact Number 8102918642/ 43
City Begusarai
District Begusarai
Reason BEGUSARAI
Pincode 851101
State Bihar

Merger Update

This Begusarai branch now operates under the unified Punjab National Bank IFSC PUNB0MBGB06. Both Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) were merged and their operations consolidated. Old UBGB and DBGB IFSC codes have been revoked. For all NEFT, RTGS and IMPS transfers use only the new IFSC PUNB0MBGB06. Transactions sent to deprecated IFSC codes will fail or be returned.

What is IFSC Code?

IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code used to route electronic payments to bank branches. The format is:

  • First 4 characters = bank code (letters). Example: PUNB = Punjab National Bank.
  • 5th character = reserved and is 0.
  • Last 6 characters = branch identifier (alphanumeric). Example: MBGB06 identifies the Begusarai branch in the IFSC PUNB0MBGB06.

Note: The IFSC last six characters are not always the same as the bank’s numeric branch code (for this branch the numeric branch code is 3801). Both are used internally by banks for different systems.

How to Use IFSC Code

  • Open your bank’s online banking or mobile app, or visit a branch.
  • Choose the transfer type: NEFT, RTGS or IMPS.
  • Add a beneficiary by entering: beneficiary name, account number, and IFSC PUNB0MBGB06 for Bihar Gramin Bank Begusarai.
  • Verify details. Match account number and IFSC exactly. Small mistakes can misroute funds.
  • Authorize the transfer (OTP or bank token). Note transfer limits: RTGS is used for high-value transfers (commonly ≥ ₹2,00,000), IMPS is immediate for smaller values and available 24×7, NEFT is for general transfers and operates around the clock in batch mode.
  • Save the beneficiary once added. For repeat transfers, select the saved beneficiary and proceed.

Benefits of Knowing the IFSC

  • Ensures funds reach the correct branch and account without delay.
  • Required for all electronic transfers: NEFT, RTGS and IMPS.
  • Makes adding beneficiaries quicker and reduces errors.
  • Helps customer service locate transactions when you report a problem.
  • Useful for cross-bank inflows (salaries, vendor payments, refunds).

Contact

Branch phone no: 8102918642/ 43

Branch Address: Begusarai, Begusarai, 851101

Head office address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR

Toll free no: 18001807777

FAQs

  • Q: Is PUNB0MBGB06 the only valid IFSC for this Begusarai branch?

    A: Yes. After the merger, PUNB0MBGB06 is the valid IFSC. Old UBGB or DBGB IFSCs are revoked and should not be used.

  • Q: What happens if I enter a wrong IFSC?

    A: If the wrong IFSC points to an existing branch, the funds may go to a different branch and beneficiary. If it does not match any branch, the transfer will fail and be returned. Always verify IFSC and account number before confirming a transfer.

  • Q: Can I use IFSC for UPI transfers?

    A: No. UPI uses virtual payment addresses (VPA) and only needs your VPA or mobile number linked to a bank. IFSC is used for bank-to-bank electronic transfers like NEFT, RTGS and IMPS.

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

    A: Confirm IFSC from a recent bank statement, cheque book, the branch contact number (8102918642/ 43), or by asking the branch directly. Use the IFSC PUNB0MBGB06 for Begusarai.

  • Q: What is the difference between MICR and IFSC?

    A: IFSC routes electronic payments and is 11 characters. MICR (here 800811002) is a 9-digit code used for cheque processing by the clearing system. Both identify the branch but serve different clearing mechanisms.

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