Bodh Gaya is a town in Gaya district, Bihar, known for its religious and cultural significance. The Bihar Gramin Bank branch at Bodh Gaya serves local residents and businesses for routine banking and electronic fund transfers. For sending or receiving money through NEFT, RTGS or IMPS, the branch IFSC code is essential. The IFSC identifies the exact bank and branch in electronic payment systems so funds route correctly and transfers complete without delay.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | BODH GAYA |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 7223 |
| Branch Address | BODH GAYA, Gaya, 824231, 9771464223 |
| Contact Number | 9771464223 |
| City | Gaya |
| District | Gaya |
| Reason | GAYA |
| Pincode | 824231 |
| State | Bihar |
Merger Update
Bihar Gramin Bank was formed by merging the earlier regional rural banks (Uttar Bihar Gramin Bank and Dakshin Bihar Gramin Bank) under the sponsorship of Punjab National Bank. All branches now operate with a single IFSC code format under PNB—specifically PUNB0MBGB06 for this Bodh Gaya branch. Old IFSC codes issued to UBGB or DBGB have been revoked. For any NEFT, RTGS or IMPS transaction, use only the new IFSC PUNB0MBGB06. Transactions attempted with revoked IFSCs will fail or be returned.
What is IFSC Code?
The Indian Financial System Code (IFSC) is an 11-character alphanumeric code used to identify banks and their branches in electronic payments. The structure is fixed:
- First 4 characters = bank identifier (for example, PUNB = Punjab National Bank).
- 5th character = always the digit 0 (reserved for future use).
- Last 6 characters = branch identifier (unique code for the branch; can include letters and digits).
Example: PUNB0MBGB06 breaks down as PUNB (bank), 0 (reserved), MBGB06 (Bodh Gaya branch code under the sponsor bank arrangement).
How to Use IFSC Code (NEFT, RTGS, IMPS)
- Open your bank’s netbanking, mobile banking app, or visit a branch.
- Select the transfer type: IMPS (instant, 24×7), NEFT (nationwide batch/24×7), or RTGS (for high-value immediate transfers).
- Enter beneficiary name and bank account number exactly as provided.
- Enter the IFSC code: PUNB0MBGB06 for Bihar Gramin Bank, Bodh Gaya branch.
- Enter transfer amount and purpose. For RTGS check minimum amount rules (bank-specific; typically for high-value transfers).
- Review all details carefully. Confirm and authorize the transaction using OTP, token, or banking PIN as required.
- Save or note the transaction reference number for tracking and reconciliation.
Tips: Always verify both the account number and IFSC. A mismatch can lead to failed transfers or routing to a different account.
Benefits of Knowing the IFSC
- Correct routing: Ensures funds reach the intended branch and account.
- Faster processing: Electronic systems validate IFSC to speed up NEFT/RTGS/IMPS processing.
- Reduced errors: Using the right IFSC lowers the risk of failed or misdirected transfers.
- Convenience: Required for online beneficiary setup, bulk payments, and automated reconciliation.
- Security checks: Banks use IFSC to confirm branch-level details before completing transactions.
Contact
Branch Phone No: 9771464223
Branch Address: BODH GAYA, Gaya, 824231
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll Free: 18001807777
FAQs
Q: Is PUNB0MBGB06 the only valid IFSC for this Bodh Gaya branch?
A: Yes. Following the merger and sponsor-bank arrangement, PUNB0MBGB06 is the valid IFSC for Bihar Gramin Bank, Bodh Gaya. Any older UBGB/DBGB IFSC codes have been revoked and should not be used.
Q: What happens if I enter the wrong IFSC?
A: If the IFSC does not match the account number and bank details, the payment will usually fail and be returned to the sender. In rare cases where the account number corresponds to a different branch, funds could be credited to another account. Always verify both account number and IFSC before confirming.
Q: Can I use this IFSC for NEFT, RTGS and IMPS at any time?
A: Yes. Enter PUNB0MBGB06 when making NEFT, RTGS or IMPS transfers to this branch. IMPS is instant and available 24×7. NEFT and RTGS are also available round-the-clock as per current RBI guidelines, but confirm with your bank for any cut-off or limits they may apply.
Q: How do I verify the IFSC before transferring funds?
A: Confirm through: bank-provided documents, the branch contact number (9771464223), an official bank statement, or by calling the bank’s toll-free number 18001807777. Avoid relying solely on third-party websites unless they are official bank sources.
Q: Are there charges for using NEFT, RTGS or IMPS with this IFSC?
A: Charges depend on your bank’s tariff structure and the transfer method. IMPS fees are generally lower for small amounts; RTGS may have higher charges for large-value transfers. Check with your remitting bank for exact fees.
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.