Bihar Gramin Bank MEERGANJ IFSC Code

MEERGANJ is a branch serving rural customers in Bhojpur district, Bihar (PIN 802301). This branch handles deposits, withdrawals, and local credit needs. For electronic transfers you need the branch IFSC code. The IFSC (Indian Financial System Code) tells the clearing system exactly which bank and branch to route funds to for NEFT, RTGS and IMPS transfers. Using the correct IFSC prevents delays, failed transfers, and misdirected funds.

Branch Details

Merger Update

Important: Several regional rural banks in Bihar, including branches earlier operating under Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB), have been consolidated under Punjab National Bank’s sponsorship. These branches now use the single IFSC code PUNB0MBGB06 for electronic transactions. Old UBGB and DBGB IFSC codes have been revoked. For any NEFT/RTGS/IMPS transfer to MEERGANJ, use only PUNB0MBGB06. If you previously saved an old UBGB/DBGB IFSC in your beneficiary list, update it to avoid failed transfers.

What is IFSC Code?

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

• First 4 characters: Bank identifier (example: PUNB = Punjab National Bank).
• 5th character: Always the numeral 0 (reserved for future use).
• Last 6 characters: Branch identifier (alphanumeric). In PUNB0MBGB06, the last six characters MBGB06 identify the MEERGANJ branch mapping under the sponsor bank.

How to Use IFSC Code

Follow these steps when sending money via NEFT, RTGS or IMPS:

1. Open your bank’s internet banking or mobile app and go to “Add Beneficiary” (or similar).
2. Enter the beneficiary name and account number exactly as the bank holds it.
3. Enter the IFSC code: PUNB0MBGB06. Double-check characters; use uppercase letters as shown.
4. Select transfer type: NEFT for routine transfers, RTGS for large-value transfers, IMPS for instant mobile payments. (Banks may enforce their own minimums or limits.)
5. Confirm the beneficiary and initiate the transfer. Note the transaction reference for tracking.
6. If you have saved an old UBGB/DBGB IFSC, update it now to the new PUNB0MBGB06 to avoid rejects.

Benefits of Knowing the IFSC

• Ensures funds go to the correct branch and account.
• Reduces failed or returned transactions.
• Speeds up processing for NEFT, RTGS and IMPS.
• Makes adding beneficiaries quick and error-free in online banking.
• Helps customer service trace and reconcile transfers using the exact branch code.

Contact

Branch Phone: 9771464413

Branch Address: MEERGANJ, Bhojpur, 802301

Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR

Toll Free: 18001807777

FAQs

• Q: Can I use any other IFSC for this account?
  A: No. Use only PUNB0MBGB06 for the MEERGANJ branch. Old UBGB/DBGB IFSCs have been revoked and will cause transaction failures.
• Q: How can I verify the IFSC before sending money?
  A: Verify on the branch passbook, cheque leaf, or by calling the branch at 9771464413. You can also confirm with the bank’s customer care (toll-free 18001807777).
• Q: What if I enter the wrong IFSC?
  A: If the IFSC points to a different branch but the account number matches, the receiving bank may still credit the account. If IFSC and account don’t match, the transfer may fail or be returned. Contact your bank immediately with the transaction reference to trace or reverse the payment.
• Q: Are NEFT, RTGS and IMPS available 24×7?
  A: IMPS is available 24×7 for instant transfers. NEFT and RTGS are largely enabled round-the-clock, but exact availability and cutoffs may depend on your bank’s systems. Check with your bank for any maintenance windows.
• Q: I used an old UBGB IFSC earlier. What should I do now?
  A: Update the beneficiary record to PUNB0MBGB06 and re-initiate any pending transfers. If a transfer was rejected, contact your bank with the transaction ID to get a refund or re-route instructions.

Kriti Kumari

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.