Bihar Gramin Bank NAYAKA TOLA IFSC Code

The Bihar Gramin Bank branch at NAYAKA TOLA is located in Bhojpur district, Bihar (PIN 802158). This page lists the branch identifiers you need for electronic fund transfers. The IFSC code is essential for routing NEFT, RTGS and IMPS payments to the correct bank branch. Entering the correct IFSC avoids delays, failed transactions and possible wrong-credit situations.

Bihar Gramin Bank NAYAKA TOLA IFSC Code

Branch Details

Bank Name	Bihar Gramin Bank
Branch Name	NAYAKA TOLA
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	6997
Branch Address	NAYAKA TOLA, Bhojpur, 802158, 7070196997
Contact Number	7070196997
City	Bhojpur
District	Bhojpur
Reason	ARA
Pincode	802158
State	Bihar

Merger Update

Important: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been consolidated under Punjab National Bank (PNB). These merged units now operate using a single IFSC: PUNB0MBGB06. Old UBGB and DBGB IFSC codes are revoked. For all NEFT, RTGS and IMPS transfers to branches formerly under UBGB or DBGB, use only PUNB0MBGB06. Transactions attempted with old IFSC codes 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. The format is fixed:

• First 4 characters — bank code (letters). Example: PUNB = Punjab National Bank.
• 5th character — always the digit 0 (reserved).
• Last 6 characters — branch identifier (letters and/or digits). Example: MBGB06 identifies the specific branch.

So the IFSC PUNB0MBGB06 splits as PUNB–0–MBGB06.

How to Use IFSC Code

Use the IFSC when adding a beneficiary in internet or mobile banking, or when filling a payment form at the bank. Basic steps:

• Open your bank’s payment page and choose NEFT, RTGS or IMPS as required.
• Select “Add Beneficiary” or “New Payee.”
• Enter beneficiary name, full account number, and the IFSC: PUNB0MBGB06. Confirm the branch city (Bhojpur) if asked.
• Save beneficiary. The bank may take a short verification period (depends on bank policy).
• Initiate the transfer specifying amount and purpose. Confirm transaction OTP or authentication step from your bank.

Notes:

• NEFT is suitable for routine interbank transfers. It runs in batches (most banks now offer near‑real‑time availability).
• RTGS is for large-value transfers. RBI removed the lower limit, but some banks still impose a minimum; verify with your bank.
• IMPS provides instant 24×7 transfers for smaller amounts (limits depend on the bank and customer profile).
• Always double-check the IFSC and account number before confirming a payment. Mistyped IFSC can misroute or reject a transfer.

Benefits of Knowing the IFSC

• Ensures funds route to the exact branch and account without manual intervention.
• Speeds up transfers via NEFT, RTGS and IMPS and reduces processing errors.
• Makes it possible to add beneficiaries quickly in internet and mobile banking apps.
• Helps call the right branch when you need to resolve a failed or delayed transfer (provide IFSC to bank staff).
• Required for API-based or automated payment systems and payroll processing.

Contact

Branch phone no: 7070196997

Branch Address: NAYAKA TOLA, Bhojpur, 802158, 7070196997

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

Toll free no: 18001807777

FAQs

• Q: Can I use an old UBGB or DBGB IFSC for transfers?

  A: No. Old UBGB and DBGB IFSC codes have been revoked after the merger. Use the new IFSC PUNB0MBGB06 for transactions to branches that were part of UBGB/DBGB.

• Q: What happens if I enter a wrong IFSC?

  A: If the IFSC points to an existing branch, the transfer may reach a different branch and cause reconciliation work to retrieve funds. If the IFSC is invalid, the transaction will typically be rejected and returned to the sender. Always verify IFSC and account number before sending money.

• Q: How long do NEFT, RTGS and IMPS transfers take?

  A: IMPS is instant (seconds) and available 24×7. NEFT settlements are usually near real-time in many banks but can vary; often completed within minutes to a few hours. RTGS is intended for high-value transactions and is processed immediately, subject to bank cut-offs and validations. If in doubt, check with your bank for expected timelines and cut-off times.

• Q: What is MICR and why is it listed?

  A: MICR (Magnetic Ink Character Recognition) is a 9-digit code used mainly for cheque clearing. It helps banks process physical cheques faster. It is not used for electronic transfers, which rely on IFSC.

• Q: Who can I contact if a payment fails or is delayed?

  A: First contact the sending bank with the transaction reference and beneficiary details. For local resolution, you can contact the NAYAKA TOLA branch at 7070196997 or the head office toll free at 18001807777. Provide IFSC PUNB0MBGB06, account number and transaction reference for faster assistance.