Bihar Gramin Bank Ora Bagicha IFSC Code

Bihar Gramin Bank Ora Bagicha IFSC Code

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Ora Bagicha branch is located in Munger (Monghyr) district of Bihar, PIN 811212. This branch operates under the Bihar Gramin Bank network and uses the IFSC code PUNB0MBGB06 for electronic fund transfers. An accurate IFSC is essential for NEFT, RTGS and IMPS transfers. It tells the payment system which bank and branch should receive the funds, so a wrong or outdated IFSC can delay or misroute payments.

Branch Details

Bank Name Bihar Gramin Bank
Branch Name Ora Bagicha
IFSC Code PUNB0MBGB06
MICR Code 800811002
Branch Code 3241
Branch Address Ora Bagicha, Munger (Monghyr), 811212, 8102928367
Contact Number 8102928367
City Munger (Monghyr)
District Munger (Monghyr)
Reason BHAGALPUR
Pincode 811212
State Bihar

Merger Update

Important: The IFSC PUNB0MBGB06 belongs to the combined network now operating under Punjab National Bank (PUNB). The earlier regional entities—Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB)—have been merged and their operations consolidated. Old UBGB and DBGB IFSC codes have been revoked. For all NEFT, RTGS and IMPS transactions use only the new, single IFSC code PUNB0MBGB06. Any payment attempted using revoked IFSC codes may be returned or delayed.

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: Reserved and is always 0.
  • Last 6 characters: Branch identifier. Example: in PUNB0MBGB06, the last six characters MBGB06 point to the specific branch within the bank network.

Note: The numeric branch code shown in bank records (for example 3241) is separate from the IFSC’s last six characters. The MICR code (for example 800811002) is used for cheque clearing and is not interchangeable with IFSC.

How to Use IFSC Code for NEFT, RTGS and IMPS

  • Step 1: Open your bank app or netbanking site and choose the fund transfer option.
  • Step 2: Select transfer type — NEFT, RTGS or IMPS. (IMPS and NEFT work 24×7; RTGS is for immediate settlement and available 24×7 in current rules, but check your bank’s limits.)
  • Step 3: Add beneficiary details: name, account number, and IFSC code PUNB0MBGB06 for the Ora Bagicha branch.
  • Step 4: Save beneficiary (if required). Confirm details exactly as printed on the beneficiary’s passbook or bank statement.
  • Step 5: Enter amount and purpose. Check applicable limits: IMPS and NEFT limits vary by bank; RTGS is typically used for larger sums.
  • Step 6: Authorize with OTP or netbanking token. Verify the confirmation and transaction reference number.
  • Step 7: Keep the transaction reference for tracking. If funds do not arrive in the expected time, contact your branch with this reference.

Benefits of Knowing the IFSC

  • Ensures accurate routing of NEFT, RTGS and IMPS payments to the correct branch.
  • Reduces failed or delayed transfers caused by incorrect bank identification.
  • Needed to add beneficiaries in netbanking and mobile apps.
  • Helps customer service troubleshoot payment issues using transaction references and branch IFSC.
  • Required for cheque reconciliation (IFSC plus MICR helps identify both electronic and paper clearing routes).

Contact

Branch Phone: 8102928367

Branch Address: Ora Bagicha, Munger (Monghyr), 811212

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

Toll Free: 18001807777

FAQs

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

    A: No. Old UBGB and DBGB IFSC codes have been revoked after the merger. Use the new IFSC PUNB0MBGB06 for all transfers.

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

    A: If the IFSC does not match the beneficiary account, the transfer may be rejected or returned to your account. If the IFSC matches a different account number by coincidence, funds could be credited to the wrong account. Always double-check the IFSC and account number.

  • Q: Is IFSC the same as MICR?

    A: No. IFSC identifies the bank and branch for electronic transfers. MICR (Magnetic Ink Character Recognition) is a 9-digit code used mainly for cheque clearing.

  • Q: Can I use IFSC for UPI transfers?

    A: UPI uses virtual payment addresses and usually does not require IFSC. However, when adding a beneficiary by account number in some apps, IFSC may be required.

  • Q: How do I confirm IFSC before sending money?

    A: Confirm the IFSC from the beneficiary’s passbook, cheque leaf, or official bank communication. For this branch use PUNB0MBGB06 and verify the branch name and address match Ora Bagicha, Munger.

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