The Bihar Gramin Bank MOW branch is located in MOW, Gaya district, Bihar (Pincode 824235). This branch now operates under the IFSC code PUNB0MBGB06. The IFSC is essential for electronic fund transfers such as NEFT, RTGS and IMPS. Banks and payment systems use the IFSC to route money to the exact branch and account. Entering the correct IFSC prevents failed transfers and delays.
Branch Details Table
| Bank Name | Bihar Gramin Bank |
| Branch Name | MOW |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 7253 |
| Branch Address | MOW, Gaya, 824235, 9771464253 |
| Contact Number | 9771464253 |
| City | Gaya |
| District | Gaya |
| Reason | GAYA |
| Pincode | 824235 |
| State | Bihar |
Merger Update
Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged into Punjab National Bank for banking and electronic payment purposes. As part of that consolidation, all old UBGB and DBGB IFSC codes were revoked. The merged branches now use a single IFSC code format under PNB. For the MOW branch the valid IFSC is PUNB0MBGB06. Use only this IFSC for NEFT, RTGS and IMPS transfers to this branch. Transactions attempted with old UBGB/DBGB IFSC codes will not be successful.
What is IFSC Code?
The Indian Financial System Code (IFSC) is an 11-character alphanumeric code used to identify bank branches for electronic payments. Its structure is fixed:
- First 4 characters — bank identifier (example: PUNB = Punjab National Bank).
- 5th character — reserved and usually zero (0).
- Last 6 characters — branch identifier (alphanumeric code unique to the branch).
Example: PUNB0MBGB06 breaks down as PUNB (PNB), 0, and MBGB06 (branch identifier assigned after the merger). The branch’s internal numeric code is also listed separately as 7253 in bank records and cheque books.
How to Use IFSC Code
Follow these steps to transfer funds to the MOW branch using NEFT, RTGS or IMPS:
- Get the beneficiary details: name, account number, bank name (Bihar Gramin Bank / Punjab National Bank), and IFSC PUNB0MBGB06.
- Log in to your bank’s netbanking, mobile banking app or visit the branch. Choose the transfer mode (NEFT, RTGS, IMPS) as required.
- Add a new beneficiary if not already added. Enter beneficiary name, account number and the IFSC exactly as PUNB0MBGB06. Also include branch name (MOW) or address if the form asks.
- Verify beneficiary details carefully. A wrong IFSC or account number can route funds incorrectly or cause a bounce.
- Initiate the transfer. Enter amount and purpose. Choose NEFT for routine transfers, RTGS for large-value urgent transfers, and IMPS for instant small-value transfers where available.
- Authenticate the transaction (OTP, transaction password or MPIN) and submit. Keep the transaction reference for tracking.
- Check with the beneficiary if funds reflect. If there is a delay or failure, report it to your bank with the transaction reference.
Benefits of Knowing the IFSC
- Ensures funds reach the correct branch and account quickly.
- Prevents failed transactions and refund delays caused by wrong routing codes.
- Makes it easier to add beneficiaries in netbanking or mobile apps.
- Required for online payments, salary credits, vendor payouts and inward remittances.
- Combines with MICR and branch code to uniquely identify the branch for clearing and reconciliation.
Contact
Branch Phone Number: 9771464253
Branch Address: MOW, Gaya, 824235
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll Free Number: 18001807777
FAQs
Q: Is PUNB0MBGB06 the only valid IFSC for the MOW branch?
Yes. After the merger into Punjab National Bank, PUNB0MBGB06 is the valid IFSC for this branch. Old UBGB/DBGB IFSCs are revoked and must not be used.
Q: Where can I find this IFSC on bank documents?
You can find the IFSC on cheque leaves, passbooks, account statements, or by contacting the branch. The branch phone is 9771464253.
Q: What happens if I enter the wrong IFSC?
If the IFSC is incorrect but the account number matches a valid account in another branch, the transfer may go to the wrong recipient. If the combination is invalid, the transfer will fail and be returned. Always double-check both IFSC and account number before sending.
Q: How long do NEFT, RTGS and IMPS transfers take?
IMPS is immediate and works round the clock. NEFT and RTGS timings depend on your bank and payment system windows. If urgent, use RTGS where available; otherwise use IMPS for instant low-value transfers. If a transfer is delayed, contact your bank with the transaction reference.
Q: What is the difference between IFSC and MICR?
IFSC routes electronic transfers (NEFT/RTGS/IMPS). MICR (Magnetic Ink Character Recognition) is used mainly for cheque clearing and is numeric. For this branch IFSC is PUNB0MBGB06 and MICR is 800811002.
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.