The Bihar Gramin Bank branch at RAWAL BIGHA is located in Aurangabad district of Bihar, PIN 824102. This branch serves local residents and businesses for deposits, withdrawals and electronic fund transfers. The IFSC code is essential for sending money via NEFT, RTGS and IMPS. Using the correct IFSC ensures your transfer routes to the exact branch and completes without delay or return charges.
Branch Details Table
| Field | Details |
|---|---|
| Bank Name | Bihar Gramin Bank |
| Branch Name | RAWAL BIGHA |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 7556 |
| Branch Address | RAWAL BIGHA, Aurangabad, 824102, 7541807556 |
| Contact Number | 7541807556 |
| City | Aurangabad |
| District | Aurangabad |
| Reason | AURANGABAD |
| Pincode | 824102 |
| State | Bihar |
Merger Update
If this branch was earlier associated with Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB), note that both regional banks have been merged into a single structure under the sponsor bank. All branches now operate with the IFSC PUNB0MBGB06 under Punjab National Bank. Old UBGB and DBGB IFSC codes have been revoked. For electronic transfers, only the new IFSC code PUNB0MBGB06 is valid. Using an old IFSC will cause the transaction to fail or be returned.
What is an IFSC Code?
The IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to identify bank branches in electronic payment systems. The structure is:
- First 4 characters: Bank identifier (for example, “PUNB” for Punjab National Bank).
- Fifth character: Always “0” (reserved for future use).
- Last 6 characters: Branch identifier (unique to each branch). For RAWAL BIGHA the branch component is “MBGB06” making the full IFSC PUNB0MBGB06.
How to Use IFSC Code for NEFT, RTGS and IMPS
Follow these steps when you want to transfer money:
- Open your bank’s netbanking or mobile banking app, or visit the branch.
- Choose the transfer method: NEFT, RTGS or IMPS. (IMPS is instant and always available; NEFT and RTGS are now also available 24×7.)
- Add a beneficiary by entering: beneficiary name, account number, and IFSC PUNB0MBGB06. Verify the MICR 800811002 if needed for cheque clearing queries.
- Confirm the account details shown by your bank after you add the beneficiary. Small spelling or digit errors can send funds to the wrong account.
- Enter the amount and select transfer. For RTGS, confirm the high-value transfer details (RTGS is used for large-value transfers; banks often set a minimum around Rs. 2,00,000 though check with your bank for its current rules).
- Authenticate the transaction with OTP or transaction password as required. Save the UTR or transaction reference for records.
Benefits of Knowing the IFSC
- Accurate routing: Ensures funds land in the exact branch and account.
- Saves time: Prevents failed transfers and the subsequent follow-up.
- Required for online transfers: Most banks require IFSC to add beneficiaries for NEFT/RTGS/IMPS.
- Useful for documentation: IFSC appears on bank forms and receipts and helps reconcile transactions.
- Fraud avoidance: Verifying IFSC with phone or branch details reduces mistakes and spoofing risks.
Contact
Branch Phone No: 7541807556
Branch Address: RAWAL BIGHA, Aurangabad, 824102
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll Free No: 18001807777
FAQs
Q: Can I use this IFSC for online transfers at any time?
A: Yes. NEFT, RTGS and IMPS are available 24×7. Use IFSC PUNB0MBGB06 any time. Confirm bank-specific limits before initiating large transfers.
Q: What happens if I enter a wrong IFSC?
A: If the IFSC does not match an existing branch, the transfer will likely be rejected and funds returned. If it matches a different branch, funds may go to the wrong branch. Always verify beneficiary details before sending money.
Q: Is MICR needed for online transfers?
A: No. MICR (here 800811002) is used for cheque clearing and bank reconciliation. IFSC is required for electronic transfers.
Q: How do I confirm this IFSC is current after a bank merger?
A: Confirm with the branch phone 7541807556, check bank statements, or call the head office toll-free 18001807777. As noted, old UBGB/DBGB IFSC codes have been revoked and the valid IFSC now is PUNB0MBGB06.
Q: Are there transfer limits for IMPS, NEFT and RTGS?
A: Limits vary by bank and account type. IMPS is for instant small-value transfers (commonly up to Rs. 2 lakh per transaction, but check with your bank). NEFT has no minimum, and RTGS is for high-value transfers with typical minimums around Rs. 2 lakh. Confirm exact limits with Bihar Gramin Bank or the branch.
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.