Bihar Gramin Bank RAMGARH IFSC Code

The Bihar Gramin Bank branch at RAMGARH serves the town of Ramgarh in Kaimur (Bhabua) district, Bihar — PIN 821104. This branch handles savings and rural banking needs for residents and small businesses in the area. For electronic fund transfers such as NEFT, RTGS and IMPS you must use the correct IFSC code. The IFSC uniquely identifies the bank and branch and routes payments securely between banks. Using the wrong IFSC can delay or misroute payments.

Branch Details

Bank Name	Bihar Gramin Bank
Branch Name	RAMGARH
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	7387
Branch Address	RAMGARH, Kaimur (Bhabua), 821104, 9771464387
Contact Number	9771464387
City	Kaimur (Bhabua)
District	Kaimur (Bhabua)
Reason	BHABHUA
Pincode	821104
State	Bihar

Merger Update

Important: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged and consolidated under Punjab National Bank systems. The combined entity now uses the single IFSC code PUNB0MBGB06 for the affected branches. Any old IFSC codes issued under UBGB or DBGB have been revoked. For fund transfers, only the new IFSC PUNB0MBGB06 is valid and should be used.

What is IFSC Code?

The IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to identify bank branches in electronic payments. Its structure is fixed:

• First 4 characters: Bank code (letters). Example: PUNB = Punjab National Bank.
• 5th character: Always 0 (reserved).
• Last 6 characters: Branch identifier (alphanumeric). Example: MBGB06 identifies the merged Bihar Gramin Bank branch within PNB systems.

So PUNB0MBGB06 breaks down as: PUNB (bank) + 0 + MBGB06 (branch).

How to Use IFSC Code for NEFT / RTGS / IMPS

• Open your bank’s internet banking site, mobile app, or visit the branch ATM form for fund transfer.
• Select the transfer type: NEFT (standard transfers), RTGS (high-value real-time), or IMPS (instant 24×7 retail).
• Choose or add the beneficiary. Enter beneficiary name exactly as per their bank account.
• Enter the beneficiary account number. Double-check digits; mistakes can misroute funds.
• Enter the beneficiary bank branch IFSC: PUNB0MBGB06 for Bihar Gramin Bank, RAMGARH branch.
• Enter amount, remarks (optional), and choose the debit account.
• Verify details and confirm the transfer. Approve using OTP or transaction password as required.
• Save the beneficiary if you will use it again. For large RTGS transfers check your bank’s minimum amount rules (RTGS is intended for higher-value transfers).

Benefits of Knowing the IFSC

• Ensures funds route to the correct branch. This reduces failed or delayed transfers.
• Makes beneficiary setup faster when adding accounts in apps or netbanking.
• Required for NEFT, RTGS and IMPS. Without the right IFSC a transfer cannot be processed.
• Helps verify branch identity when reconciling payments or checking bank statements.
• Useful for automated payments like vendor payouts and payroll where accurate routing is critical.

Contact

Branch phone no: 9771464387

Branch Address: RAMGARH, Kaimur (Bhabua), 821104

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

Toll free no: 18001807777

FAQs

• Q: Is PUNB0MBGB06 the only valid IFSC for this branch?

  A: Yes. After the merger and re-mapping under Punjab National Bank systems, PUNB0MBGB06 is the valid code for transactions to this branch. Old UBGB/DBGB IFSCs are revoked.

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

  A: If the IFSC does not match the destination bank branch, the payment may be rejected or sent to the wrong branch. If rejected, funds are returned to the sender’s account. Reversals take time, so verify IFSC before confirming transfers.

• Q: How can I confirm the beneficiary’s IFSC before transferring?

  A: Confirm the IFSC with the beneficiary or use a bank-provided IFSC lookup in your netbanking app. Cross-check the branch name and MICR when available. For this branch, the IFSC is PUNB0MBGB06 and MICR 800811002.

• Q: Are there differences in how NEFT, RTGS and IMPS use IFSC?

  A: All three systems require the IFSC to identify the beneficiary branch. The difference lies in settlement speed and value limits: IMPS is immediate and retail-focused, NEFT handles standard electronic transfers, and RTGS is for high-value real-time settlement. Always provide the correct IFSC regardless of the method.

• Q: Can IFSC codes change, and how will I know?

  A: IFSCs can change after mergers, branch closures, or system migrations. Banks notify customers through official announcements and update IFSCs in netbanking. For merged entities like UBGB/DBGB, old codes were revoked and replaced with the new PUNB0MBGB06. Always check the bank’s official communication or confirm with the branch.