The Bihar Gramin Bank branch at Ramabandh, Aurangabad, Bihar (Pincode 824101) serves local customers for deposits, withdrawals and fund transfers. For electronic transfers—NEFT, RTGS and IMPS—you need the correct IFSC code. The IFSC directs the payment through the bank’s electronic clearing systems so the funds reach the right branch instantly or within the expected settlement window.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | RAMABANDH |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 7533 |
| Branch Address | RAMABANDH, Aurangabad, 824101, 7541807533 |
| Contact Number | 7541807533 |
| City | Aurangabad |
| District | Aurangabad |
| Reason | AURANGABAD |
| Pincode | 824101 |
| State | Bihar |
Merger Update
Important: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged into a single structure under Punjab National Bank for electronic clearing. After the merger, these rural bank branches now use a unified IFSC code format under PNB. The current and valid IFSC for this Ramabandh branch is PUNB0MBGB06. All old UBGB or DBGB IFSC codes have been revoked. Use only PUNB0MBGB06 for NEFT/RTGS/IMPS transfers to this branch. Transactions attempted with revoked IFSCs will fail or be delayed.
What is IFSC Code?
The Indian Financial System Code (IFSC) is an 11-character alphanumeric code used to route electronic payments to the correct bank branch.
- First 4 characters = bank identifier. Example: PUNB = Punjab National Bank.
- 5th character = reserved and is usually 0.
- Last 6 characters = branch identifier (alphanumeric). Example: MBGB06 in PUNB0MBGB06 identifies the specific branch in the PNB clearing system.
Note: The numeric Branch Code (7533) shown in branch records is an internal or legacy code. The IFSC’s last six characters are the identifier used by payment systems for routing.
How to Use IFSC Code
- Open your bank’s netbanking portal or mobile app, or visit the branch if you prefer offline banking.
- Choose the transfer type: IMPS (instant, usually 24×7), NEFT (batch/near real-time; now operates round‑the‑clock), or RTGS (real‑time for high value transfers; typically used above bank-specific thresholds).
- Enter beneficiary name, account number, and the IFSC: PUNB0MBGB06. Double-check spelling and characters; IFSC is case-insensitive but must match exactly.
- Enter the amount and a description/purpose if required. Verify any per‑transaction limit (IMPS often has lower limits than RTGS; NEFT has no minimum but banks may apply maximum limits).
- Authenticate the payment using OTP, netbanking token or UPI PIN as required.
- Save or note down the transaction reference number. For failed or returned transactions, use this reference when contacting the bank.
Benefits of Knowing the IFSC
- Correct routing: Ensures funds reach the exact branch account without manual intervention.
- Faster settlement: Accurate IFSC avoids delays and failed transactions.
- Safer transfers: Reduces the need for corrections and reversals that expose account details.
- Useful for documentation: Required on forms, beneficiary setups, and payroll instructions.
- Verification: Cross-checking IFSC with MICR and branch code reduces fraud risk.
Contact
Branch Phone: 7541807533
Branch Address: RAMABANDH, Aurangabad, 824101
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll-free: 18001807777
FAQs
Q: Can I use PUNB0MBGB06 for IMPS, NEFT and RTGS?
A: Yes. This IFSC is valid for IMPS, NEFT and RTGS transfers to the Ramabandh branch. Always confirm the IFSC with the beneficiary before sending funds.
Q: What if I enter the wrong IFSC?
A: If the IFSC does not match the account details, the payment may be rejected or returned to your account. If it is routed to another account with matching details, contact your bank immediately to request recall. Timely action increases the chance of recovery.
Q: Where else can I find this IFSC?
A: The IFSC is printed on the cheque leaves and passbook. You can also verify it at the branch counter or by calling the branch phone number provided above. Banks also publish IFSCs in their branch information records.
Q: Has the IFSC changed after the merger?
A: Yes. After UBGB/DBGB merger into the PNB system, old UBGB/DBGB IFSCs were revoked and replaced by the unified code PUNB0MBGB06 for this branch. Use only the current IFSC for transfers.
Q: What are typical limits and timings for NEFT/RTGS/IMPS?
A: IMPS is instant and usually available 24×7 with per‑transaction limits set by the bank (commonly up to a few lakhs). NEFT now operates round‑the‑clock with no minimum; settlement is quick. RTGS is real‑time and preferred for high‑value transfers—banks commonly use RTGS for amounts above Rs. 2 lakh, though exact thresholds and charges vary by bank. Check with your branch or bank customer care for the up‑to‑date limits and charges.
If you need help setting up a beneficiary or want the branch to confirm the IFSC before a large transfer, call the branch at 7541807533 or the toll-free number 18001807777.
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.