BHADEJI is a branch of Bihar Gramin Bank located in Gaya district, Bihar (PIN 823003). For customers and businesses in Gaya, the branch’s IFSC code is essential for sending and receiving fund transfers through NEFT, RTGS and IMPS. The IFSC uniquely identifies the bank and branch so transfers route correctly and settle without manual intervention.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | BHADEJI |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 6910 |
| Branch Address | BHADEJI, Gaya, 823003, 7091596910 |
| Contact Number | 7091596910 |
| City | Gaya |
| District | Gaya |
| Reason | GAYA |
| Pincode | 823003 |
| State | Bihar |
Merger Update
Important: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) were restructured and their operations consolidated under the single IFSC PUNB0MBGB06 routed through Punjab National Bank. If you previously used any old UBGB IFSC codes, they have been revoked for electronic transfers. Use only PUNB0MBGB06 when adding this branch as a beneficiary for NEFT, RTGS or IMPS.
What is IFSC Code?
The IFSC (Indian Financial System Code) is an 11-character alphanumeric code that uniquely identifies a bank branch for electronic fund transfers. Its structure is fixed:
- First 4 characters — bank identifier (for example, PUNB = Punjab National Bank).
- 5th character — reserved and always 0.
- Last 6 characters — branch identifier (for example, MBGB06 in PUNB0MBGB06).
So in PUNB0MBGB06: PUNB = bank, 0 = reserved, MBGB06 = branch code.
How to Use IFSC Code
Follow these practical steps when making transfers by NEFT, RTGS or IMPS:
- Open your bank’s netbanking, mobile app or visit the branch counter.
- Choose the transfer type: NEFT, RTGS or IMPS. (Use RTGS for high-value immediate transfer requirements; RTGS typically has a minimum limit — check your bank. IMPS is instant 24×7 for smaller amounts. NEFT is suitable for most transfers.)
- Select “Add Beneficiary” or “New Payee.”
- Enter beneficiary name, bank account number and the IFSC code: PUNB0MBGB06.
- Optionally enter branch name: BHADEJI, Gaya — this helps you verify the IFSC and branch match.
- Verify details carefully. A wrong IFSC can route funds to another branch or cause rejection/delay.
- Save the beneficiary. You may need to complete an OTP or in-branch authentication step.
- Initiate the transfer, enter the amount and any remark, and authorize via OTP or transaction PIN.
- Keep the transaction reference for tracking. Check beneficiary account after settlement.
Practical tip: cross-check the IFSC on a bank cheque leaf, the passbook, or the branch details before adding a payee.
Benefits of Knowing the IFSC
- Accurate routing: Ensures money reaches the correct branch account quickly.
- Fewer failed transfers: Reduces delays, returns and manual intervention.
- Faster reconciliation: Useful for businesses reconciling incoming payments by branch code or MICR.
- Safer electronic payments: Correct IFSC ties the electronic route to the specific branch rather than a generic bank code.
- Required for online payee setup: Most banks will not allow transfers without a valid IFSC.
Contact
Branch Phone: 7091596910
Branch Address: BHADEJI, Gaya, 823003
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll-free Number: 18001807777
FAQs
Q: Can I use the old UBGB IFSC for transfers?
A: No. Old UBGB IFSC codes have been revoked after the merger. Use the current IFSC PUNB0MBGB06 for transactions to this branch.
Q: What happens if I enter a wrong IFSC but correct account number?
A: If the wrong IFSC corresponds to a different branch but the account number exists there, funds could be credited to the wrong account. If the combination is invalid, the transfer will be rejected and returned to the sender, after which bank processing times apply. Always verify both IFSC and account number.
Q: Is IFSC required for IMPS?
A: Yes. IMPS requires the IFSC and the beneficiary account number when you add a payee. Some banks also support UPI/virtual IDs where IFSC is not required for that flow.
Q: What is the MICR code used for?
A: MICR (Magnetic Ink Character Recognition) — here 800811002 — is used primarily for cheque clearing and bulk processing. It helps speed automated cheque sorting and settlement.
Q: How quickly do NEFT, RTGS and IMPS transfers settle?
A: IMPS is immediate and available 24×7. RTGS is for large-value immediate transfers and is effectively real-time; check your bank for minimum limits. NEFT is processed in electronic batches or real-time (depending on the bank’s implementation); settlement speed may vary but NEFT is suitable for most routine transfers.
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.