The MAHAMOODGANJ branch of Bihar Gramin Bank is located in Kaimur (Bhabua), Bihar (PIN 821105). This branch serves local residents and businesses in the Bhabua area. For electronic fund transfers—NEFT, RTGS and IMPS—the correct IFSC code is essential. The IFSC uniquely identifies the bank and branch in the payment system. Entering the right IFSC ensures your transfer reaches the intended account and avoids delays or rejections.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | MAHAMOODGANJ |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 7492 |
| Branch Address | MAHAMOODGANJ, Kaimur (Bhabua), 821105, 7781004492 |
| Contact Number | 7781004492 |
| City | Kaimur (Bhabua) |
| District | Kaimur (Bhabua) |
| Reason | BHABHUA |
| Pincode | 821105 |
| State | Bihar |
Merger Update
If this branch was earlier under Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB): both these regional gramin banks have been merged into Punjab National Bank for payment operations. The single valid IFSC for transactions now is PUNB0MBGB06. Old UBGB or DBGB IFSC codes have been revoked. Use only the new IFSC PUNB0MBGB06 for NEFT, RTGS and IMPS transfers to this branch.
What is an IFSC Code?
An IFSC (Indian Financial System Code) is an 11-character code used to identify a specific bank branch in electronic transfers. Its structure is:
- First 4 characters – alphabetic bank code (example: PUNB = Punjab National Bank).
- 5th character – reserved and is always 0.
- Last 6 characters – branch identifier (alphanumeric). In this IFSC, MBGB06 identifies the MAHAMOODGANJ branch under the merged arrangement.
How to Use the IFSC Code for NEFT, RTGS and IMPS
- Step 1: Open your bank’s internet banking, mobile app, or visit the branch.
- Step 2: Choose the transfer type: NEFT, RTGS or IMPS. (IMPS is instant. NEFT settles in the bank’s clearing cycles; RTGS is for larger-value transfers.)
- Step 3: Add a beneficiary. Enter beneficiary name exactly as in their bank records.
- Step 4: Enter the beneficiary account number and the IFSC PUNB0MBGB06 for MAHAMOODGANJ branch. Double-check digits and letters.
- Step 5: Enter amount and purpose. Review applicable charges and limits shown by your bank.
- Step 6: Confirm the details. Authorize the payment using OTP, token or other authentication your bank requires.
- Step 7: Keep the transaction reference for tracking. If settlement fails, contact the sending bank first with the reference and beneficiary details.
Benefits of Knowing the Correct IFSC
- Ensures funds reach the exact branch and account without delay.
- Reduces the risk of transaction rejection or misrouting.
- Needed to add beneficiaries in internet and mobile banking securely.
- Useful for verifying branch identity when checking cheques and passbooks (with MICR and branch code).
- Essential when filling forms for inward remittances or online payment gateways that ask for branch details.
Contact
Branch Phone: 7781004492
Branch Address: MAHAMOODGANJ, Kaimur (Bhabua), 821105
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll Free: 18001807777
FAQs
Q: Where else can I find the IFSC for this branch?
A: Check the cheque leaf, passbook, or bank statement. The IFSC is printed on cheques. You can also confirm with the branch phone number (7781004492) before making a large transfer.
Q: Is IFSC case-sensitive?
A: No. IFSC uses letters and numbers but is not case-sensitive. Still enter it as shown to avoid mistakes: PUNB0MBGB06.
Q: Can I use UPI to send money instead of IFSC-based transfer?
A: UPI uses a virtual payment address (VPA) and does not require IFSC. Use IFSC for bank-to-bank NEFT, RTGS or IMPS where account number and branch code are required.
Q: What happens if I enter a wrong IFSC?
A: If the IFSC does not match the account’s bank/branch, the transfer may be rejected or held for manual verification. In some cases it can go to a different branch if the account number exists there. Always confirm beneficiary name, account number and IFSC before sending money.
Q: How do MICR and IFSC differ?
A: IFSC routes electronic transfers. MICR (Magnetic Ink Character Recognition) is a 9-digit code used mainly by banks for cheque clearing and sorting. MICR helps physical cheque processing; IFSC is required for NEFT/RTGS/IMPS.
Q: Have old UBGB/DBGB IFSC codes been disabled?
A: Yes. Following the merger into Punjab National Bank for payment operations, old UBGB and DBGB IFSC codes have been revoked. Use the unified IFSC PUNB0MBGB06 for this branch.
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.