The Bihar Gramin Bank branch at Pakaridayal is located in East Champaran district of Bihar (Pincode 845428). This branch serves local customers for deposits, withdrawals, and electronic fund transfers. For sending or receiving money via NEFT, RTGS or IMPS, the correct IFSC code is essential. The IFSC tells your bank which bank and branch will receive the funds. Using the wrong code can delay the transfer or cause the money to be returned.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Pakaridayal |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100194 |
| Branch Address | Pakaridayal, EAST CHAMPARAN, 845428, 9297954679 |
| Contact Number | 9297954679 |
| City | EAST CHAMPARAN |
| District | EAST CHAMPARAN |
| Reason | MOTIHARI |
| Pincode | 845428 |
| State | Bihar |
Merger Update
If this branch previously belonged to Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB): Both UBGB and DBGB have been merged and now operate under a single IFSC code issued through Punjab National Bank. The valid IFSC for this branch is PUNB0MBGB06. Old UBGB or DBGB IFSC codes have been revoked. For any electronic transfer, use only the new IFSC code above. Transfers using revoked codes will fail or be returned.
What is an IFSC Code?
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to identify bank branches in electronic payments. The format is fixed:
- First 4 characters: Bank identifier. Example: PUNB = Punjab National Bank.
- 5th character: Always 0 (reserved for future use).
- Last 6 characters: Branch identifier. This can be letters or numbers and uniquely points to the branch.
Example: PUNB0MBGB06 — PUNB (bank) + 0 + MBGB06 (branch).
How to Use IFSC Code for NEFT, RTGS, IMPS
- Open your bank app or netbanking and choose fund transfer.
- Select the transfer type: NEFT, RTGS or IMPS. (RTGS is for large value real-time transfers; NEFT is batch-based; IMPS is immediate and available 24×7.)
- Add a beneficiary. Enter beneficiary name, account number, and the IFSC code: PUNB0MBGB06. Fill the branch name as Pakaridayal to cross-check.
- Verify details. Confirm account number and IFSC match the beneficiary’s bank details exactly.
- Initiate the transfer and note the transaction reference/UTR number.
- Keep the UTR for tracking. If the transfer fails, contact your bank with the UTR and beneficiary details.
Practical tips:
- For RTGS check minimum amount rules with your bank (commonly used for transfers above ₹2,00,000). NEFT and IMPS have different limits and charges depending on your bank plan.
- If you have only the branch address and phone number, confirm the IFSC on a cheque leaf or by calling the branch at 9297954679 before transferring large sums.
Benefits of Knowing the IFSC
- Ensures funds reach the correct branch without delay.
- Required for all electronic transfers (NEFT, RTGS, IMPS).
- Reduces the risk of rejection or return of funds due to wrong routing.
- Makes adding beneficiaries faster and safer in netbanking or mobile apps.
- Helps customer service quickly identify transactions using the branch code and UTR.
Contact
Branch phone no: 9297954679
Branch Address: Pakaridayal, EAST CHAMPARAN, 845428
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free: 18001807777
FAQs
Q: What is the IFSC code for Bihar Gramin Bank Pakaridayal?
A: The IFSC code is PUNB0MBGB06. Use this for NEFT, RTGS and IMPS transfers to this branch.
Q: Can I use an old UBGB IFSC code for transfers?
A: No. Old UBGB (and DBGB) IFSC codes have been revoked after the merger. Use only the new IFSC PUNB0MBGB06 for transactions.
Q: Where can I find the IFSC on documents?
A: You can find the IFSC on cheque leaves, passbooks, account opening forms, and bank statements. You can also confirm by calling the branch at 9297954679.
Q: How long do transfers to this IFSC take?
A: IMPS is immediate (seconds). NEFT and RTGS are processed as per banking channels. NEFT and RTGS are typically available round the clock, but processing times can vary by bank and amount. Keep the transaction UTR for tracking.
Q: What should I do if I entered a wrong IFSC?
A: If the IFSC does not match the account number, the transfer will usually fail and the money will be returned. Contact your bank immediately with the transaction reference/UTR. If funds were credited to an unintended account, the remedial process can take time and will involve both banks.
Q: Are there charges for using IFSC-based transfers?
A: Banks may levy fees for NEFT/RTGS/IMPS depending on the channel and amount. Check the fee schedule with your bank or on the account tariff document.
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.