The Bihar Gramin Bank branch at Phulwaria is located in Begusarai district of Bihar (Pincode 851112). This page gives the branch-specific codes and contact details you need for electronic fund transfers. An accurate IFSC code is essential for NEFT, RTGS and IMPS transactions because it directs the payment to the correct bank and branch. Using the correct IFSC reduces delays, failed transfers and manual intervention by the bank.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Phulwaria |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 3819 |
| Branch Address | Phulwaria, Begusarai, 851112, 8102918661 |
| Contact Number | 8102918661 |
| City | Begusarai |
| District | Begusarai |
| Reason | BEGUSARAI |
| Pincode | 851112 |
| State | Bihar |
Merger update
Note: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged and now operate under Punjab National Bank (PNB) for electronic clearing. The merged rural bank branches use the single IFSC code PUNB0MBGB06. Old UBGB IFSC codes have been revoked. For any NEFT/RTGS/IMPS transfer to these branches, use only the new IFSC PUNB0MBGB06. Transfers initiated with revoked/old IFSCs can be delayed or returned.
What is an IFSC code?
The Indian Financial System Code (IFSC) is an 11-character alphanumeric code used to identify bank branches in electronic payment systems. Its structure is fixed:
- First 4 characters — bank code. Example: PUNB = Punjab National Bank.
- 5th character — reserved and is always 0.
- Last 6 characters — branch identifier. In PUNB0MBGB06, the last six characters are MBGB06 which point to the specific branch code.
How to use the IFSC code for NEFT / RTGS / IMPS
- Open your bank’s netbanking or mobile app and go to ‘Fund Transfer’ or ‘Add Beneficiary’.
- Enter the beneficiary name and account number exactly as provided by the recipient.
- Enter the IFSC code PUNB0MBGB06 for Bihar Gramin Bank, Phulwaria branch.
- Choose the transfer type:
- IMPS — immediate, 24×7, usually for lower amounts.
- NEFT — batch-processed settlement; check your bank’s cut-off/batch schedule.
- RTGS — for higher-value real-time transfers (check your bank for current thresholds and timings).
- Verify all details on screen. A mismatch between account number and IFSC can cause failure or delay.
- Confirm the transfer and note the transaction reference. If the transfer fails, contact your bank with the reference number.
Benefits of knowing the IFSC
- Ensures funds reach the exact branch and account without manual routing.
- Speeds up electronic transfers (NEFT, RTGS, IMPS) and reduces errors.
- Required when adding a beneficiary in netbanking or mobile apps.
- Useful for verifying branch identity together with MICR and branch code.
- Important after bank mergers—new IFSC identifies the updated bank routing.
Contact
Branch phone: 8102918661
Branch address: Phulwaria, Begusarai, 851112
Head office address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free: 18001807777
FAQs
Q: How do I verify this IFSC before sending money?
A: Check the IFSC printed on the beneficiary’s cheque leaf or bank passbook. You can also call the branch at 8102918661 to confirm. Only use the IFSC displayed above: PUNB0MBGB06.
Q: What happens if I enter the wrong IFSC?
A: If the IFSC does not match the account number and bank, the transaction may fail or be routed incorrectly. Failed transactions are typically returned, but processing can take time. Always confirm both the account number and IFSC.
Q: Is IFSC the same as MICR?
A: No. IFSC is used for electronic transfers. MICR (Magnetic Ink Character Recognition) is used mainly for cheque processing and appears on the cheque leaf. This branch’s MICR is 800811002.
Q: Did IFSC change after the UBGB/DBGB merger?
A: Yes. After the merger into the PNB-sponsored structure, the unified IFSC PUNB0MBGB06 is to be used. Old UBGB IFSCs are revoked and should not be used for new transfers.
Q: What should I do if a transfer to this IFSC is pending or failed?
A: Note the transaction reference from your bank. Contact your bank’s customer support or call the branch at 8102918661. Provide the reference, date, amount and beneficiary details so the bank can trace and resolve the case.
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.