Bihar Gramin Bank BHADWA IFSC Code

Bihar Gramin Bank BHADWA IFSC Code
The BHADWA branch of Bihar Gramin Bank is located in BHADWA village, Aurangabad district, Bihar — PIN 824122. This IFSC code is needed when you send or receive electronic transfers such as NEFT, RTGS and IMPS. The IFSC uniquely identifies the bank and branch so funds route correctly and transfers complete faster with fewer errors.

Branch Details

Bank Name	Bihar Gramin Bank
Branch Name	BHADWA
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	7093
Branch Address	BHADWA, Aurangabad, 824122, 9771464093
Contact Number	9771464093
City	Aurangabad
District	Aurangabad
Reason	AURANGABAD
Pincode	824122
State	Bihar

Merger Update

The regional rural banks in Bihar, including Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB), have been merged into Punjab National Bank for back-end operations. After the merger the single IFSC in use for these combined operations is PUNB0MBGB06. Old IFSC codes that belonged to UBGB or DBGB have been revoked. For any NEFT, RTGS or IMPS transfer to this branch you must use the new IFSC PUNB0MBGB06. Transactions using revoked IFSCs will fail or be returned.

What is an IFSC Code?

IFSC stands for Indian Financial System Code. It is an 11-character code used to identify bank branches in electronic payments. The structure is fixed:

• First 4 characters: Alphabetic bank code. Example: PUNB = Punjab National Bank.
• 5th character: Always 0 (zero). It is reserved for future use.
• Last 6 characters: Alphanumeric branch identifier. Example: in PUNB0MBGB06, MBGB06 identifies the specific branch group/branch.

The IFSC is case-insensitive. Its primary role is routing electronic payments to the correct branch.

How to Use the IFSC Code (NEFT / RTGS / IMPS)

• Open your bank’s internet banking, mobile app or visit a branch for a paper form.
• Choose the transfer type: NEFT, RTGS or IMPS. (RTGS is typically for higher-value payments.)
• Enter beneficiary account number and beneficiary name exactly as provided.
• Enter the IFSC: PUNB0MBGB06 for BHADWA branch.
• Enter the amount and add a remark if needed. Verify all details before submitting.
• Authenticate the transaction using OTP, debit card OTP or netbanking token as required.
• Save the transaction reference or acknowledgement until the beneficiary confirms receipt.

Notes:

• NEFT: No minimum. Available 24×7 in recent years; settlements can be nearly immediate or within minutes.
• RTGS: For high-value transfers (minimum amount usually Rs.2,00,000). Real-time gross settlement.
• IMPS: Instant 24×7 fund transfer for smaller amounts via account number + IFSC or MMID where supported.
• Always double-check the IFSC and account number. An incorrect IFSC may route to a different branch or cause a return.

Benefits of Knowing the IFSC

• Ensures funds route to the correct branch and account.
• Speeds up electronic transfers (NEFT/RTGS/IMPS) and reduces failed transactions.
• Required for receiving salary credits, vendor payments and government transfers.
• Helps verify bank details when filling forms for tax refunds, insurance claims or KYC updates.
• Useful for reconciliation: MICR and IFSC together help banks match inward credits precisely.

Contact

Branch Phone No: 9771464093

Branch Address: BHADWA, Aurangabad, 824122

Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR

Toll Free No: 18001807777

FAQs

Q: Is PUNB0MBGB06 the correct IFSC for BHADWA branch?
A: Yes. The active IFSC for BHADWA branch is PUNB0MBGB06. Use this for NEFT, RTGS and IMPS transfers.

Q: My payment failed. Could it be because of IFSC?
A: Yes. A wrong IFSC can route to a different branch or cause a failure. Also confirm the beneficiary account number and name. If the IFSC was revoked (old UBGB/DBGB codes), the payment will not complete.

Q: How do I find the IFSC on a cheque?
A: The IFSC is not always printed on the cheque in every bank, but many cheques show the branch IFSC on the cheque leaf. Otherwise ask the bank, check your passbook or use the branch details above.

Q: What is the difference between IFSC and MICR?
A: IFSC (11 characters) is used for electronic transfers. MICR (usually 9 digits) is used for cheque clearing. MICR eases physical cheque processing; IFSC is essential for online fund transfers.

Q: Old UBGB or DBGB IFSC was saved in my beneficiary list. Should I update it?
A: Yes. Old UBGB/DBGB IFSCs have been revoked after the merger. Update beneficiaries to use PUNB0MBGB06 to avoid failed transfers or returns.

If you plan a transfer, double-check the IFSC and account number before confirming. For branch-level clarifications call 9771464093 or the toll-free number 18001807777.