Naula is a small town in Begusarai district, Bihar (PIN 851112). This article covers the Bihar Gramin Bank, Naula branch details and the IFSC code used for electronic fund transfers. The IFSC code is essential for routing online transfers via NEFT, RTGS and IMPS. Entering the correct IFSC and account number ensures the money reaches the precise branch and reduces delays or failed transactions.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Naula |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 3816 |
| Branch Address | Naula, Begusarai, 851112, 8102918658 |
| Contact Number | 8102918658 |
| City | Begusarai |
| District | Begusarai |
| Reason | BEGUSARAI |
| Pincode | 851112 |
| State | Bihar |
Merger Update
If this branch was formerly under Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB), note the banks have been merged under Punjab National Bank for electronic clearing. Both UBGB and DBGB IFSC series have been revoked. The single valid IFSC for transactions now is PUNB0MBGB06. Do not use old UBGB or DBGB IFSC codes. Only the new IFSC will route NEFT, RTGS and IMPS transactions correctly.
What is IFSC Code?
IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code used to identify bank branches in electronic payments. The structure is:
- First 4 characters = bank identifier (for example, PUNB = Punjab National Bank).
- 5th character = 0 (reserved and usually zero).
- Last 6 characters = branch identifier (unique to each branch, alphanumeric).
Example: PUNB0MBGB06 — “PUNB” = Punjab National Bank, “0” reserved, “MBGB06” = Naula branch identifier.
How to Use IFSC Code for NEFT, RTGS and IMPS
Follow these steps when making an electronic transfer from your bank account:
- Log in to your bank’s netbanking or mobile banking app.
- Go to Funds Transfer or Add Beneficiary section.
- Choose transfer type: NEFT, RTGS or IMPS. (IMPS is instant; RTGS is for high-value immediate transfers; NEFT is for regular transfers.)
- Enter beneficiary name, account number and IFSC code: PUNB0MBGB06.
- Verify the beneficiary details shown by the system (bank name and branch) before confirming.
- Save the beneficiary. Most banks require beneficiary activation or a cooling period. IMPS additions often work immediately; NEFT/RTGS activation depends on your bank.
- Initiate the transfer with the amount and confirm using OTP or transaction PIN.
- Keep the transaction reference number for tracking or reconciliation.
Benefits of Knowing the IFSC
- Prevents misrouted payments. The IFSC directs the payment to the exact branch.
- Speeds up processing. Correct IFSC avoids manual intervention and delays.
- Needed for NEFT, RTGS and IMPS transfers. Most online forms require it.
- Helps verify beneficiary details before transfer (bank name and branch appear when IFSC is valid).
- Useful for payroll, vendor payments and electronic receipts where precise routing is required.
Contact
Branch phone no: 8102918658
Branch Address: Naula, Begusarai, 851112
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777
FAQs
Q: Can I use PUNB0MBGB06 for NEFT, RTGS and IMPS to Naula branch?
Yes. PUNB0MBGB06 is the valid IFSC to route NEFT, RTGS and IMPS transfers to the Naula branch.
Q: I have an old UBGB IFSC for this branch. Will transfers still work?
No. Old UBGB IFSC codes have been revoked after the merger. Only the new IFSC PUNB0MBGB06 is valid. If you used the old code, contact your bank immediately to cancel or trace the transaction.
Q: Is IFSC the same as MICR?
No. IFSC is used for electronic transfers. MICR (Magnetic Ink Character Recognition) is a 9-digit code used primarily for cheque processing. For online transfers, use IFSC; for cheque clearing, MICR is relevant.
Q: What if I enter the wrong IFSC but correct account number?
Banks match both IFSC and account number. If the IFSC points to a different bank, the transfer may fail or be returned. If the IFSC and account number mismatch, the bank will usually reject the transaction. Always verify both before sending money.
Q: How can I verify PUNB0MBGB06 is correct before transferring?
Verify the IFSC by checking the beneficiary details shown in your bank’s payment screen after entering the IFSC and account number. The displayed bank name and branch should read Punjab National Bank — Naula (Begusarai). If unsure, call the branch at 8102918658 or the toll-free number 18001807777.
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.