The Bihar Gramin Bank Panchdeori branch is located in Panchdeori village, Gopalganj district, Bihar (PIN 841437). For electronic fund transfers using NEFT, RTGS or IMPS you must give the correct IFSC code. The IFSC uniquely routes your payment to the bank and branch. A wrong or revoked IFSC can delay a payment or cause it to fail.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Panchdeori |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100509 |
| Branch Address | Panchdeori, GOPALGANJ, 841437, 8809797058 |
| Contact Number | 8809797058 |
| City | GOPALGANJ |
| District | GOPALGANJ |
| Reason | GOPALGANJ |
| Pincode | 841437 |
| State | Bihar |
Merger Update
Bihar Gramin Bank operates under the sponsor bank structure. The Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been consolidated under a single setup using the IFSC code PUNB0MBGB06 with Punjab National Bank as the sponsor bank code. Old IFSC codes that belonged to UBGB or DBGB have been revoked. For any transfers to these branches use only the new IFSC PUNB0MBGB06. Transactions attempted with old UBGB or DBGB IFSC codes will not be processed.
What is IFSC Code?
The Indian Financial System Code (IFSC) is an 11-character alphanumeric code used to route electronic fund transfers. The format is fixed:
- First 4 characters: Bank or sponsor bank code. Example: PUNB stands for Punjab National Bank.
- 5th character: Always 0 (reserved).
- Last 6 characters: Branch identifier. Example: MBGB06 identifies the specific Bihar Gramin Bank branch within the sponsor bank system.
So for PUNB0MBGB06: PUNB = sponsor bank (PNB), 0 = reserved, MBGB06 = Panchdeori branch identifier.
How to Use IFSC Code
Follow these steps when making NEFT, RTGS or IMPS transfers:
- Get beneficiary details: account name, account number, bank name, branch name and IFSC (PUNB0MBGB06 for Panchdeori).
- Open your bank’s internet banking, mobile app or visit the branch.
- Choose the transfer type:
- IMPS — instant and available 24×7 for small-to-medium amounts (subject to bank limit).
- NEFT — for non-urgent transfers; available 24×7 in recent RBI operations. No minimum amount.
- RTGS — for high-value, typically ₹2,00,000 and above (check your bank for exact thresholds).
- Add beneficiary details and enter the IFSC exactly as PUNB0MBGB06.
- Verify details and confirm the transfer. Authorize with OTP, transaction password or other bank method.
- Note the transaction reference. Track or confirm with the beneficiary if needed.
Benefits of Knowing the IFSC
- Ensures funds reach the correct branch and account without delay.
- Required for online and mobile banking transfers (NEFT, RTGS, IMPS).
- Helps avoid failed transactions and associated reversal delays.
- Needed for setting up mandates, standing instructions and direct credits like government payments.
- Useful to verify branch identity using MICR and branch code cross-checks.
Contact
Branch Phone: 8809797058
Branch Address: Panchdeori, GOPALGANJ, 841437
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll Free: 18001807777
FAQs
Q: Is PUNB0MBGB06 the only valid IFSC for the Panchdeori branch?
A: Yes. Use PUNB0MBGB06 for all electronic transfers to the Panchdeori branch. Any older IFSCs tied to UBGB or DBGB have been revoked after the merger.
Q: Can I use the MICR code instead of IFSC for online transfers?
A: No. MICR (800811002) is used for cheque processing. For NEFT/RTGS/IMPS you must use the IFSC code.
Q: What happens if I enter the wrong IFSC?
A: If the IFSC points to a different branch but the account number exists there, funds may go to that account. If the IFSC is invalid or revoked, the transfer will fail and be returned or rejected. Always verify both IFSC and account number.
Q: How quickly will the beneficiary receive funds?
A: IMPS is usually instant (24×7). NEFT and RTGS are fast; NEFT now runs 24×7 in batches and RTGS is also available round-the-clock for high-value transfers. Actual time depends on the sending and receiving bank processing.
Q: How can I verify branch details before sending money?
A: Confirm with the beneficiary, check the branch phone number (8809797058), or contact the bank’s toll-free number (18001807777). Match branch name, city, MICR and IFSC before authorizing the transfer.
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.