Bihar Gramin Bank Bhagalpura IFSC Code

Bihar Gramin Bank, Bhagalpura branch is located in Bhagalpura, Munger (Monghyr), Bihar — PIN 813221. This branch serves rural and semi-urban customers around Munger district. For electronic fund transfers (NEFT, RTGS, IMPS), the correct IFSC code is essential. The IFSC uniquely identifies the bank and branch in the RBI’s electronic payment network. Using the right IFSC ensures funds route to the correct branch quickly and reduces failed or delayed transfers.

Branch Details

Bank Name	Bihar Gramin Bank
Branch Name	Bhagalpura
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	3235
Branch Address	Bhagalpura, Munger (Monghyr), 813221, 7061502719
Contact Number	7061502719
City	Munger (Monghyr)
District	Munger (Monghyr)
Reason	BHAGALPUR
Pincode	813221
State	Bihar

Merger Update

Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been integrated into Punjab National Bank’s operations. As part of that consolidation, this branch now uses the single IFSC code PUNB0MBGB06 under Punjab National Bank’s routing. Old IFSC codes issued to UBGB or DBGB branches have been revoked. For any NEFT/RTGS/IMPS transaction, use only the new IFSC PUNB0MBGB06. Transactions initiated with revoked (old UBGB/DBGB) IFSC codes may fail or be returned.

What is IFSC Code?

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

• First 4 characters — bank identifier (example: PUNB = Punjab National Bank).
• 5th character — always the digit 0 (reserved for future use).
• Last 6 characters — branch identifier (letters and/or digits). Example: MBGB06 in PUNB0MBGB06.

How to Use IFSC Code for NEFT, RTGS, IMPS

• Open your bank’s netbanking or mobile banking app and choose the fund transfer option (NEFT/RTGS/IMPS).
• Enter beneficiary name and bank account number exactly as provided by the receiver.
• Enter the IFSC code: PUNB0MBGB06 for Bihar Gramin Bank, Bhagalpura branch. Many apps auto-fill the branch name when IFSC is valid—check it.
• Choose the transfer type:
  • IMPS — immediate, 24×7; typically used for small, instant transfers.
  • NEFT — batch-based; now available round-the-clock in most banks. Suitable for regular transfers.
  • RTGS — for high-value transfers (commonly used for amounts ≥ ₹2,00,000); also available 24×7 with many banks.
• Verify IFSC, account number, and beneficiary name carefully. A mismatch can delay or stop the transfer.
• Confirm transfer and note the transaction reference. Keep the reference until funds reflect.
• If the receiving bank or branch is recently merged (UBGB/DBGB case), always use the new IFSC PUNB0MBGB06 — old codes are invalid.

Benefits of Knowing the IFSC

• Ensures accurate routing of electronic payments to the correct bank branch.
• Reduces delays and failed transactions caused by wrong branch identification.
• Necessary for filling beneficiary details in netbanking, mobile apps, and UPI setups requiring bank account transfers.
• Helps verify branch identity quickly — the first four letters confirm the bank.
• Useful when reconciling incoming transfers using MICR/branch code alongside IFSC.

Contact

Branch Phone: 7061502719
Branch Address: Bhagalpura, Munger (Monghyr), 813221
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll-free: 18001807777

FAQs

Q: Is IFSC the same as MICR?

A: No. IFSC is used for electronic fund transfers and uniquely identifies the bank branch. MICR (Magnetic Ink Character Recognition) is used mainly for processing cheques and is a 9-digit code printed on cheques to speed up clearing. Both serve different purposes.

Q: I have an old UBGB IFSC for the Bhagalpura branch. Can I still use it?

A: No. Old UBGB IFSC codes have been revoked after the merger into Punjab National Bank. Use the new IFSC PUNB0MBGB06 for all electronic transactions to this branch.

Q: My transfer shows as “successful” but the beneficiary hasn’t received funds. What should I do?

A: First, confirm the transaction reference and timestamp. Check the beneficiary account number and IFSC in the transfer details. If details were correct, contact your bank with the transaction reference. If the transfer used a revoked IFSC, the funds may be returned to your account after reconciliation—contact the sending bank immediately.

Q: What are typical limits and timing for NEFT/RTGS/IMPS?

A: IMPS is for instant transfers, usually 24×7, and banks set per-transaction/day limits (often up to ₹2 lakh, but this varies). NEFT is widely available round-the-clock in most banks and handles any value (banks may impose limits). RTGS is intended for high-value transfers and is commonly used for amounts ≥ ₹2,00,000; many banks now offer RTGS 24×7. Always confirm exact limits and timing with your bank before transferring large amounts.

Q: How can I verify the IFSC before making a transfer?

A: Verify the IFSC by checking:

• The official bank communication (account passbook, cheque leaf showing MICR/IFSC).
• Bank customer care or the branch (phone: 7061502719 for Bhagalpura).
• Your bank’s beneficiary add screen—most banks validate IFSC format and display the branch name when IFSC is correct.