Bihar Gramin Bank, BHADEYA branch is located in Gaya district of Bihar (PIN 824236). This branch serves rural and semi-urban customers around Bhadeya and nearby villages. For any electronic fund transfer to or from this branch you must use the correct IFSC code. The IFSC uniquely identifies the bank and branch for NEFT, RTGS and IMPS transfers so payments route correctly and settle without delays.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | BHADEYA |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 7503 |
| Branch Address | BHADEYA, Gaya, 824236, 7541807503 |
| Contact Number | 7541807503 |
| City | Gaya |
| District | Gaya |
| Reason | GAYA |
| Pincode | 824236 |
| State | Bihar |
Merger Update
The IFSC PUNB0MBGB06 is now used under Punjab National Bank for branches that earlier operated as regional rural banks in Bihar. Both Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged into the new structure and the combined operations use the single IFSC code PUNB0MBGB06 for transactions. Old UBGB and DBGB IFSC codes have been revoked. Do not use any previous UBGB/DBGB IFSC codes for NEFT, RTGS or IMPS. Use only PUNB0MBGB06 for electronic transfers to this branch.
What is IFSC Code?
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to identify bank branches for electronic funds transfers in India. Its structure is:
- First 4 characters = bank identifier (letters). Example: PUNB = Punjab National Bank.
- 5th character = reserved and is always 0 (zero).
- Last 6 characters = branch identifier (alphanumeric). Example: MBGB06 identifies the specific branch or migrated code.
So PUNB0MBGB06 breaks down as: PUNB (bank) + 0 (reserved) + MBGB06 (branch). IFSC is case-insensitive but always shown in uppercase.
How to Use IFSC Code (NEFT, RTGS, IMPS)
Follow these steps to make a transfer to Bihar Gramin Bank, BHADEYA branch.
- Confirm beneficiary details: beneficiary name exactly as per bank records, account number, and IFSC PUNB0MBGB06.
- Choose transfer type:
- IMPS for immediate small-value transfers (available 24×7).
- NEFT for standard transfers (now operates round-the-clock but check for scheduled maintenance).
- RTGS for large-value transfers (check minimum amount requirement with your bank).
- Open your netbanking, mobile banking app, or visit the branch. Go to “Funds Transfer” or “Send Money.”
- Enter beneficiary name, account number, and IFSC PUNB0MBGB06. Optionally add a remark and the amount.
- Verify all details carefully. A wrong IFSC or account number can delay the transfer or cause a return.
- Add beneficiary if required; many banks require beneficiary validation which can take minutes to hours.
- Authorize the payment using OTP or transaction password. Note any transaction charges and limits shown.
- Keep the transaction reference number. Check with your beneficiary to confirm credit.
If you are unsure about NEFT/RTGS cut-off or minimum amounts for RTGS, confirm with your bank before initiating large transfers. IMPS is instantaneous and typically used for immediate credit.
Benefits of Knowing the IFSC
- Ensures accurate routing of electronic payments (NEFT, RTGS, IMPS).
- Reduces failed or returned transfers due to branch mismatch.
- Makes beneficiary setup faster in netbanking and payment apps.
- Required for receiving salaries, vendor payments, government transfers and subsidies.
- Helps customer service resolve fund-transfer queries quickly when you can quote the exact IFSC and branch code.
Contact
Branch phone no: 7541807503
Branch Address: BHADEYA, Gaya, 824236, 7541807503
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free: 18001807777
FAQs
Q: Is PUNB0MBGB06 the correct code to use for transfers to BHADEYA?
A: Yes. Use IFSC PUNB0MBGB06 for NEFT, RTGS and IMPS to the BHADEYA branch.
Q: Can I still use the old UBGB or DBGB IFSC codes?
A: No. Old UBGB and DBGB IFSC codes have been revoked after the merger. Use only the new IFSC PUNB0MBGB06. Using revoked codes will result in failed or returned transactions.
Q: Where can I verify this IFSC before sending money?
A: Verify the IFSC on the account holder’s cheque leaf, bank passbook, official bank-branch letterhead, or by contacting the branch at 7541807503. You can also confirm directly with your bank’s customer service.
Q: What happens if I enter the wrong IFSC?
A: If the IFSC points to a different branch but the account number is valid, the receiving bank may still credit the correct account if it matches the account number. If the account number and IFSC do not match any record, the funds will be returned to the sender after a reconciliation process. This causes delays. Always double-check both IFSC and account number.
Q: How long do transfers to this branch take?
A: IMPS is instant (seconds). NEFT and RTGS are processed quickly; both systems now operate round-the-clock but occasional bank maintenance can delay settlement. For large-value RTGS, check your bank’s minimum amount and any processing windows. If a transfer is delayed, use the transaction reference number to track it with your bank.
Q: What is the MICR code used for?
A: The MICR (Magnetic Ink Character Recognition) code 800811002 is used mainly for cheque clearing. It helps automated processing of cheques through clearing houses.
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.