The CHANDISTHAN branch of Bihar Gramin Bank is located in Gaya district, Bihar (Pincode 824211). For electronic fund transfers such as NEFT, RTGS and IMPS you must use the correct IFSC code. The IFSC uniquely identifies the bank and branch in the RBI’s electronic payment systems, ensuring your funds reach the intended account quickly and securely.
| Bank Name | Bihar Gramin Bank |
| Branch Name | CHANDISTHAN |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 7225 |
| Branch Address | CHANDISTHAN, Gaya, 824211, 9771464225 |
| Contact Number | 9771464225 |
| City | Gaya |
| District | Gaya |
| Reason | GAYA |
| Pincode | 824211 |
| State | Bihar |
Merger Update
Important: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) were merged and their operations now fall under Punjab National Bank. The single, active IFSC for the merged operations is PUNB0MBGB06. Old UBGB and DBGB IFSC codes have been revoked. Use only PUNB0MBGB06 for NEFT/RTGS/IMPS transactions related to these branches. Transactions using revoked IFSCs may fail or be delayed.
What is IFSC Code?
The Indian Financial System Code (IFSC) is an 11-character alphanumeric code used to identify a specific bank branch in electronic payments. The structure is:
- First 4 characters: Bank identifier (letters). Example: PUNB = Punjab National Bank.
- 5th character: Always 0 (reserved by RBI).
- Last 6 characters: Branch identifier (alphanumeric). Example: MBGB06 designates the specific branch code after the merger.
So in PUNB0MBGB06: PUNB = bank, 0 = reserved, MBGB06 = branch code.
How to Use IFSC Code for NEFT / RTGS / IMPS
- Step 1 – Collect details: Beneficiary name, bank account number, and correct IFSC (PUNB0MBGB06 for CHANDISTHAN branch).
- Step 2 – Add beneficiary: In your netbanking or mobile banking app, go to “Add Beneficiary” or “Manage Payees.” Enter name, account number, IFSC and branch. Submit.
- Step 3 – Authorization: Complete any OTP or token-based authorization required by your bank to activate the beneficiary. This may take minutes to hours depending on the bank’s procedure.
- Step 4 – Choose transfer type: Select NEFT (any amount, usually used for routine transfers), RTGS (typically for large-value transfers—commonly used for transactions ₹2,00,000 and above; confirm your bank’s minimum), or IMPS (immediate transfer available 24×7 subject to bank limits, typically used for small-value instant transfers).
- Step 5 – Enter amount and confirm: Verify all details — especially the IFSC and account number — before confirming. Errors can lead to failed transfers or delays.
- Step 6 – Retain transaction receipt: Save the reference number for tracking. If there’s a problem, the IFSC and reference number help the bank trace the transaction quickly.
- Offline option: At a branch, fill the NEFT/RTGS form with beneficiary details and IFSC. Bank staff will process the request; keep the receipt.
Benefits of Knowing the IFSC
- Ensures money is routed to the exact branch and account without manual intervention.
- Prevents delays and failed transactions caused by incorrect branch identification.
- Needed to add beneficiaries in internet and mobile banking.
- Helps customer support quickly trace transactions using bank—branch identifiers.
- Required for government transfers, salary credits, and automated payments.
Contact
Branch Phone: 9771464225
Branch Address: CHANDISTHAN, Gaya, 824211
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll Free: 18001807777
FAQs
Q: Is PUNB0MBGB06 the only IFSC to use for CHANDISTHAN branch?
A: Yes. After the merger with Punjab National Bank, PUNB0MBGB06 is the active IFSC. Old UBGB/DBGB IFSCs are revoked and should not be used.
Q: What happens if I enter the wrong IFSC but correct account number?
A: The payment gateway uses the IFSC to route the transaction. If the IFSC points to a different branch and the account number does not exist there, the transfer will likely fail and be reversed. If an account with the same number exists at the IFSC-specified branch, funds may be credited incorrectly. Always verify both IFSC and account number.
Q: Can I use the IFSC for both NEFT and IMPS?
A: Yes. The IFSC is used for all electronic bank-to-bank transfers including NEFT, RTGS and IMPS.
Q: How can I verify this IFSC before sending funds?
A: Confirm the IFSC on the bank branch letterhead, passbook, cheque leaf, or by calling the branch number (9771464225) or the bank’s toll-free line (18001807777). Also verify the branch name (CHANDISTHAN) and pincode (824211).
Q: Are there limits and charges for NEFT/RTGS/IMPS?
A: Limits and charges vary by bank. Typically, NEFT has no minimum limit, RTGS is used for large-value transfers (commonly above ₹2,00,000), and IMPS is for instant transfers subject to bank-set caps. Check with your bank for exact fees and per-transaction limits before initiating large 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.