The Naugachia branch is located in Naugachia, Bhagalpur district, Bihar (PIN 853204). This branch operates under the Bihar Gramin Bank name with the IFSC code PUNB0MBGB06. The IFSC is essential for electronic fund transfers—NEFT, RTGS and IMPS—because it uniquely identifies the bank and the branch. Using the correct IFSC ensures funds are routed to the exact branch and account without delay.
Branch Details Table
| Bank Name | Bihar Gramin Bank |
| Branch Name | Naugachia |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 3609 |
| Branch Address | Naugachia, Bhagalpur, 853204, 8102918742 |
| Contact Number | 8102918742 |
| City | Bhagalpur |
| District | Bhagalpur |
| Reason | BHAGALPUR |
| Pincode | 853204 |
| State | Bihar |
Merger Update
Note: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been consolidated into a single entity that now uses the IFSC PUNB0MBGB06 under Punjab National Bank for routing transactions. Old UBGB and DBGB IFSC codes have been revoked. For all NEFT, RTGS and IMPS transfers you must use the new IFSC PUNB0MBGB06. Transactions attempted with revoked IFSCs will fail or be returned.
What is IFSC Code?
The Indian Financial System Code (IFSC) is an 11-character alphanumeric code used to identify bank branches in electronic payment systems.
- First 4 characters – Bank identifier. Example: PUNB = Punjab National Bank.
- 5th character – Always zero (0). Reserved for future use.
- Last 6 characters – Branch identifier assigned by the bank. Example: MBGB06 in PUNB0MBGB06.
How to Use IFSC Code (NEFT, RTGS, IMPS)
- Step 1 – Collect payee details: account name, account number, bank name, branch name and IFSC (PUNB0MBGB06 for Naugachia).
- Step 2 – Log in to your netbanking, mobile banking app, or use an ATM that supports transfers.
- Step 3 – Select the transfer type: NEFT, RTGS or IMPS. (IMPS is instant and available 24×7; NEFT is generally available 24×7; RTGS is for larger amounts and usually processed immediately.)
- Step 4 – Add beneficiary / payee. Enter the beneficiary account number and the IFSC exactly as given. Double-check for typos.
- Step 5 – Authenticate beneficiary (OTP or approval as per your bank’s process). Some banks impose a cooling period before first use.
- Step 6 – Enter amount and any transaction remark. Confirm and authorize the transfer.
- Step 7 – Keep the transaction reference or UTR for future tracking.
Practical notes: RTGS is typically used for high-value transfers (commonly ₹2,00,000 and above, but check your bank). IMPS is immediate up to the bank’s per-transaction limit (limits vary by bank). NEFT can be used for smaller amounts and is processed quickly under current 24×7 settlement systems.
Benefits of Knowing the IFSC
- Ensures funds reach the exact branch and account. Reduces failed or misrouted transfers.
- Required input for NEFT, RTGS and IMPS transfers.
- Makes online beneficiary setup faster and error-free.
- Helps customer service verify branch details during support calls.
- Used with MICR and branch code for cheque clearing and reconciliation.
Contact
Branch phone: 8102918742
Branch address: Naugachia, Bhagalpur, 853204
Head office address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777
FAQs
Q: Is PUNB0MBGB06 the only valid IFSC for the Naugachia branch?
A: Yes. After the merger, PUNB0MBGB06 is the valid IFSC for this branch. Old IFSC codes from UBGB/DBGB have been revoked and must not be used.
Q: How do I verify the IFSC before making a transfer?
A: Verify with the branch phone (8102918742), check the bank’s printed cheque leaf, or confirm within your bank’s beneficiary-add screen, which usually displays bank and branch name once you enter the IFSC.
Q: What happens if I enter a wrong IFSC?
A: If the wrong IFSC maps to a real branch, funds may go to that branch and possibly to a different account if the account number matches. If the IFSC is invalid, the transfer will fail. Always double-check both IFSC and account number. Contact your bank immediately if a mistake occurs.
Q: What is the difference between IFSC and MICR?
A: IFSC routes electronic payments to a specific branch. MICR (Magnetic Ink Character Recognition) is a 9-digit code used mainly for cheque clearing and processing within the banking clearing system. Both identify branches but serve different systems.
Q: Is IFSC case-sensitive?
A: No. IFSC is alphanumeric and typically entered in uppercase for clarity. Systems accept it regardless of case, but enter it exactly as printed to avoid errors.
Q: Can I use this IFSC for NEFT, RTGS and IMPS?
A: Yes. Use PUNB0MBGB06 for NEFT, RTGS and IMPS transfers to the Naugachia 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.