Bihar Gramin Bank Mirzaganj IFSC Code

Mirzaganj is a village/market area in Jamui district, Bihar (PIN 811301). The Bihar Gramin Bank branch at Mirzaganj serves local residents and small businesses for deposits, withdrawals and fund transfers. For electronic transfers (NEFT, RTGS, IMPS) the branch’s IFSC code is essential. The IFSC tells banks exactly which bank and which branch should receive the funds. Using the correct IFSC reduces failed transfers and delays.

Branch Details

Merger Update

This Mirzaganj branch now uses the IFSC code PUNB0MBGB06 under Punjab National Bank (PNB). Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged into a single entity operating under PNB sponsorship. Old UBGB IFSC codes and DBGB IFSC codes have been revoked. For any electronic transfer to this branch you must use the new IFSC PUNB0MBGB06. Using an old or revoked IFSC will cause the transaction to fail or be returned.

What is IFSC Code?

The IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to route electronic payments. It has three parts:

• First 4 characters — bank identifier. Example: PUNB = Punjab National Bank.
• 5th character — always a zero (0), reserved for future use.
• Last 6 characters — branch identifier (can be letters and numbers). Example: MBGB06 in PUNB0MBGB06.

Example breakdown for this branch: PUNB (PNB) + 0 (reserved) + MBGB06 (Mirzaganj branch code).

Note: MICR (9 digits) is different. MICR is used for cheque clearing; IFSC is used for electronic transfers.

How to Use IFSC Code (NEFT, RTGS, IMPS)

• Open your bank’s internet banking or mobile app, or visit an ATM/branch service that supports fund transfer.
• Choose the transfer type: NEFT, RTGS or IMPS. (NEFT: no minimum; RTGS: for larger value/priority transfers — banks generally set a minimum such as ₹2 lakh though policies can change; IMPS: instant small-value transfers.)
• Add a new beneficiary/payee. Enter the beneficiary name exactly as in their bank account and the full account number.
• Enter the IFSC as PUNB0MBGB06 and confirm the branch (Mirzaganj, Jamui) shown by your app.
• Save the beneficiary. Note: banks may impose a beneficiary activation time (a cooling period). This can range from a few minutes to several hours depending on the bank’s security rules.
• Select the beneficiary, enter the amount and purpose, then confirm the payment using the bank’s OTP or transaction password.
• Save the transaction reference for future tracking. If the transfer fails, contact your bank with the reference and beneficiary details.

Practical tips: double-check the IFSC and account number before confirming. Mistyping either can delay refunds.

Benefits of Knowing the IFSC

• Ensures funds are routed to the exact branch and account.
• Prevents failed transactions and avoids time-consuming refunds.
• Needed to add beneficiaries for NEFT, RTGS and IMPS transfers.
• Helps merchants and employers set up electronic credit (salary, vendor payments).
• Useful when filling cheque deposit slips and bank forms to confirm branch identity.

Contact

Branch phone no: 8102918610

Branch Address: Mirzaganj, Jamui, 811301

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

Toll free no: 18001807777

FAQs

• Q: Is PUNB0MBGB06 the only IFSC I should use for this branch?

  A: Yes. After the merger, PUNB0MBGB06 is the valid IFSC. Any old UBGB/DBGB IFSCs are revoked and should not be used.

• Q: What happens if I use a wrong IFSC but the correct account number?

  A: If the IFSC points to another bank/branch and the account number doesn’t match an account there, the transfer will fail and be returned. If both IFSC and account number match a different account, funds may go to the wrong account. Always verify both.

• Q: Is IFSC case-sensitive?

  A: No. Most systems accept upper or lower case, but standard practice is to enter IFSC in uppercase (for clarity).

• Q: How long do transfers to this IFSC take?

  A: IMPS is immediate (real-time). NEFT and RTGS settlements are effectively real-time now as these systems operate round-the-clock, but posting time can vary by bank and beneficiary activation rules. If a transfer is delayed, contact your bank with the transaction reference.

• Q: How can I verify this IFSC before sending money?

  A: Confirm the IFSC with the beneficiary (ask for a cheque leaf, passbook entry, or bank letter). You can also call the branch at 8102918610 or the head office toll-free 18001807777 to verify.

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.