The Bihar Gramin Bank branch at Benibad is located in Benibad village, Muzaffarpur district, Bihar (PIN 847107). This page gives the branch details and explains the IFSC code you must use for electronic fund transfers. The IFSC is essential for NEFT, RTGS and IMPS transfers because it routes payments to the correct bank and branch. Using the correct IFSC makes transfers faster and reduces the chance of delays or returns.
Branch Details Table
| Bank Name | Bihar Gramin Bank |
| Branch Name | Benibad |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100055 |
| Branch Address | Benibad, MUZAFFARPUR, 847107, 9297955335 |
| Contact Number | 9297955335 |
| City | MUZAFFARPUR |
| District | MUZAFFARPUR |
| Reason | MUZAFFARPUR |
| Pincode | 847107 |
| State | Bihar |
Merger Update
The regional rural banks in Bihar have been restructured. If this branch was formerly under Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB), note the following:
- Both UBGB and DBGB have been consolidated and their operations now use the single IFSC code PUNB0MBGB06 under Punjab National Bank (PNB).
- Old UBGB/DBGB IFSC codes have been revoked. They will not work for new transactions.
- For reliable transfers, always use the new IFSC PUNB0MBGB06. If in doubt, confirm with the branch before initiating payments.
What is IFSC Code?
IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code used to route electronic payments to the correct bank branch. The structure is fixed:
- First 4 characters: Bank code (alphabetic). Example: PUNB = Punjab National Bank.
- 5th character: Always 0 (reserved).
- Last 6 characters: Branch identifier (alphanumeric). Example: in PUNB0MBGB06, the last 6 characters are MBGB06.
How to Use IFSC Code
Use the IFSC when adding or paying a beneficiary through online banking or mobile apps. Steps:
- Open your bank’s netbanking or mobile app and choose fund transfer.
- Select transfer type: NEFT, RTGS or IMPS. (IMPS and modern NEFT/RTGS operate 24/7.)
- Enter beneficiary name and account number exactly as provided.
- Enter IFSC: PUNB0MBGB06 (for Benibad branch).
- Optionally add branch name and MICR: 800811002 for reference.
- Save beneficiary if needed and initiate transfer. Authenticate with OTP/MPIN as required.
- Confirm the transfer and keep the transaction reference for tracking.
Notes on transfer types:
- IMPS: Instant, available 24×7, used for small and medium amounts. Limits depend on your bank (commonly up to ₹2 lakh).
- NEFT: Available round-the-clock in current systems. Good for routine transfers; settlement is usually quick.
- RTGS: Real-time gross settlement for large-value transfers. Typically used for higher amounts (commonly ₹2 lakh and above), processed immediately.
Benefits of Knowing the IFSC
- Ensures payments go directly to the correct branch and account.
- Reduces chances of transaction failure or unnecessary delays.
- Makes adding beneficiaries faster and more accurate in banking apps.
- Required for receiving salaries, vendor payments and government transfers directly.
- Useful when filling forms that demand precise bank routing details (e.g., loan disbursals, mandates).
Contact
Branch Phone: 9297955335
Branch Address: Benibad, MUZAFFARPUR, 847107
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 Benibad branch?
A: Yes. Use PUNB0MBGB06 for electronic transfers to the Benibad branch. If the branch was earlier listed under other regional bank IFSCs, those old codes have been revoked after consolidation.
Q: What if I enter the wrong IFSC but the correct account number?
A: IFSC routes the payment to a specific branch. If you enter a wrong IFSC, the transaction may fail or be routed incorrectly. Banks usually detect mismatches and return funds, but this can cause delays. Always verify both IFSC and account number before confirming.
Q: Can IFSC change after a merger?
A: Yes. After mergers and rebranding, IFSCs sometimes change to reflect the new sponsor bank (for example, under PNB). When IFSC changes, the old codes are often revoked and replaced by a new single code. Always confirm the current IFSC with the branch.
Q: How do I verify this IFSC before sending money?
A: Verify by contacting the branch at 9297955335 or checking bank stationery such as a passbook, cheque leaf, or a recent bank statement. The head office toll-free number 18001807777 can also help confirm details.
Q: What is the difference between IFSC and MICR?
A: IFSC is used for electronic fund transfers (NEFT/RTGS/IMPS). MICR (Magnetic Ink Character Recognition) code is used mainly for cheque processing and cheque clearing. Both identify banks and branches but serve different processing systems.
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.