The Bihar Gramin Bank branch at Indira Nagar, Gopalganj (Pincode 841437) serves local customers for deposits, withdrawals, and electronic fund transfers. For online transfers — NEFT, RTGS or IMPS — the branch IFSC directs the payment to the correct bank and branch. Entering the correct IFSC ensures the routing of funds to the intended account and avoids delays or reversals.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Indira Nagar |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 108014 |
| Branch Address | Indira Nagar, GOPALGANJ, 841437, 8002900199 |
| Contact Number | 8002900199 |
| City | GOPALGANJ |
| District | GOPALGANJ |
| Reason | GOPALGANJ |
| Pincode | 841437 |
| State | Bihar |
Merger Update
This branch uses the IFSC PUNB0MBGB06 under Punjab National Bank for electronic transfers. Note: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged into a unified structure. Old UBGB/DBGB IFSC codes have been revoked. For all NEFT, RTGS and IMPS transactions, use only the new IFSC PUNB0MBGB06. Transactions using old IFSCs may fail or be reversed.
What is IFSC Code?
IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code used to identify bank branches in electronic fund transfers. The structure is:
- First 4 characters — bank identifier (for example, PUNB = Punjab National Bank).
- 5th character — always 0 (reserved for future use).
- Last 6 characters — branch identifier (unique to the branch), for example MBGB06 in PUNB0MBGB06.
So PUNB0MBGB06 breaks down as: PUNB (bank) + 0 (reserved) + MBGB06 (branch). The IFSC routes the payment through the bank’s electronic clearing system to the correct branch.
How to Use IFSC Code
- Find and verify: Confirm the IFSC from the account holder, passbook, cheque leaf, or the bank’s official communication. Compare the bank name and branch before proceeding.
- Online transfer (Netbanking/Mobile banking):
- Select transfer type — NEFT, RTGS or IMPS.
- Add a beneficiary: enter beneficiary name, account number, re-enter account number, and enter the IFSC exactly as provided.
- Verify branch details shown by the system. Confirm with the beneficiary if unsure.
- Authorize the transfer using OTP or banking token. Note the reference number for tracking.
- Using bank branch (offline):
- Fill the transfer form with beneficiary name, account number and IFSC.
- Bank staff will validate IFSC and process NEFT/RTGS/IMPS as requested.
- Transaction type notes:
- NEFT: for most value transfers. No strict minimum. Available round-the-clock in most banks.
- RTGS: for high-value, time-sensitive transfers (typically for large value transactions; banks set thresholds for RTGS use).
- IMPS: immediate 24×7 transfers, suitable for small or medium amounts via mobile or internet banking.
- After transfer: Keep the transaction reference. If funds do not reach the beneficiary, give the reference to the bank for tracing.
Benefits of Knowing IFSC
- Ensures funds reach the correct bank branch without manual intervention.
- Reduces failed transfers and the time needed for reversals.
- Required when adding beneficiaries for NEFT/RTGS/IMPS in netbanking or mobile apps.
- Helps customer support trace and resolve transfer issues quickly using branch code and IFSC.
- Distinguishes branches with similar names in different cities or districts.
Contact Details
Branch Phone: 8002900199
Branch Address: Indira Nagar, GOPALGANJ, 841437
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll Free: 18001807777
FAQs
Q: How do I confirm that PUNB0MBGB06 is the correct IFSC for transfers to Indira Nagar branch?
A: Verify the IFSC on a recent passbook, cheque leaf, or the account holder’s bank statement. You may also call the branch at 8002900199 to confirm before initiating a large transfer.
Q: Are IFSC codes case-sensitive?
A: No. IFSC is not case-sensitive for practical purposes. But always copy the code exactly (letters and digits) to avoid typos. Banks’ systems validate characters, so small mistakes can cause failures.
Q: What is the difference between IFSC and MICR?
A: IFSC (11 characters) is used for electronic fund transfers (NEFT/RTGS/IMPS). MICR (9-digit code) appears on cheques and is used for cheque clearing through the clearing house. Both identify branches but serve different systems.
Q: What should I do if my transfer to this IFSC fails or is not credited?
A: Keep the transaction reference and receipt. Contact your bank’s customer support and the branch (8002900199). Provide the reference, beneficiary account details and date/time of transfer. The bank will trace and resolve or reverse the transaction.
Q: Can IFSC change after a bank merger?
A: Yes. When banks merge or are taken over, old IFSCs can be revoked and replaced. As noted above, UBGB and DBGB legacy codes have been revoked; use only the current IFSC PUNB0MBGB06 for the Indira Nagar branch. If a change occurs, banks notify customers and update the branch details.
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.