The Bihar Gramin Bank branch at BEN serves the BEN area in Nalanda district, Bihar (PIN 803114). For residents and businesses here, the IFSC code is essential for sending and receiving electronic fund transfers by NEFT, RTGS and IMPS. The IFSC identifies the bank and the exact branch so payments route correctly and quickly between banks.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | BEN |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 7145 |
| Branch Address | BEN, Nalanda, 803114, 9771464145 |
| Contact Number | 9771464145 |
| City | Nalanda |
| District | Nalanda |
| Reason | BIHARSHARIF |
| Pincode | 803114 |
| State | Bihar |
Merger Update
Important: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been reorganized under Punjab National Bank’s system. All legacy UBGB and DBGB IFSC codes have been revoked. The single valid IFSC to use now is PUNB0MBGB06. Any transfers attempted with old UBGB/DBGB IFSCs will fail or be returned. Always use the current IFSC shown by the bank before initiating transactions.
What is IFSC Code?
The Indian Financial System Code (IFSC) is an 11-character alphanumeric code that uniquely identifies a bank branch for electronic payments.
- First 4 characters = bank code (letters). Example: PUNB = Punjab National Bank.
- 5th character = always zero (0) — reserved for future use.
- Last 6 characters = branch identifier (alphanumeric). Example: MBGB06 in PUNB0MBGB06.
The IFSC is used by NEFT, RTGS and IMPS systems to route funds to the correct branch. The MICR (9 digits) is different — used mainly for cheque processing.
How to Use IFSC Code (NEFT / RTGS / IMPS)
- Open your bank’s internet banking or mobile app and go to the “Add Beneficiary” or “Transfer” section.
- Enter the beneficiary name, account number and the IFSC exactly as: PUNB0MBGB06. Do not substitute the letter O for zero.
- Choose the transfer mode:
- IMPS — immediate 24×7, for smaller urgent transfers via mobile/IMPS-enabled channels.
- NEFT — queued settlements (available most of the day). Suitable for routine transfers.
- RTGS — for large-value, real-time gross settlement (bank-specific minimums may apply; check with your bank).
- Enter amount, transaction remark (optional) and confirm beneficiary once added. Most banks require a confirmation period (minutes to hours) before first transfer to a new beneficiary.
- Verify the confirmation screen showing beneficiary name and IFSC before authorizing. Keep transaction reference for tracking.
Benefits of Knowing the IFSC
- Ensures your electronic transfers reach the exact branch and account without manual intervention.
- Reduces payment failures and delays caused by wrong bank identification.
- Makes adding beneficiaries in netbanking and mobile apps straightforward.
- Required for full audit trails and reconciliation in business payments.
- Helps distinguish between branches that share similar names (city vs branch code).
Contact
Branch phone: 9771464145
Branch address: BEN, Nalanda, 803114
Head office address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777
FAQs
Q: I have an old UBGB IFSC. Can I use it to transfer funds?
A: No. Old UBGB/DBGB IFSC codes have been revoked. Use the current IFSC PUNB0MBGB06 for this branch. Transfers with revoked IFSCs will fail.
Q: What if I enter the wrong IFSC but correct account number?
A: A mismatched IFSC and account number usually leads to transfer failure or rejection. Banks may return the funds, which can take time. Always verify both account number and IFSC before confirming.
Q: Does IFSC change after a bank merger?
A: Yes. After mergers, banks often reassign IFSCs under the acquirer’s code. That is why UBGB/DBGB branches now use PUNB0MBGB06. Confirm updated IFSCs from the bank before transactions.
Q: Is MICR the same as IFSC?
A: No. MICR (9 digits) is used for cheque clearing. IFSC (11 characters) is for electronic transfers (NEFT/RTGS/IMPS).
Q: Can I use IFSC for UPI transfers?
A: UPI primarily uses Virtual Payment Addresses (VPAs) and mobile-based authorizations. IFSC is not required for UPI, but it is required for traditional bank-to-bank transfers via NEFT/RTGS/IMPS when you provide account details.
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.