Bihar Gramin Bank RO GAYA IFSC Code

Bihar Gramin Bank, RO GAYA is located in the city of Gaya, district Gaya, Bihar (PIN 823001). This branch serves retail and rural customers for deposits, withdrawals, and digital transfers. For electronic fund transfers — NEFT, RTGS and IMPS — the correct IFSC code is essential. The IFSC ensures your payment is routed to the exact bank and branch. Using the wrong IFSC can delay or misroute funds, so always verify it before initiating a transfer.

Branch Details Table

Bank Name	Bihar Gramin Bank
Branch Name	RO GAYA
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	7405
Branch Address	RO GAYA, Gaya, 823001, 9771446141
Contact Number	9771446141
City	Gaya
District	Gaya
Reason	GAYA
Pincode	823001
State	Bihar

Merger Update

There has been consolidation among regional rural banks in Bihar. Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged and their operations are consolidated under Punjab National Bank for the merged entity. The consolidated IFSC code in use is PUNB0MBGB06. Old UBGB and DBGB IFSC codes have been revoked; they are no longer valid for fund transfers. For any transaction, use only the new IFSC PUNB0MBGB06.

What is IFSC Code?

IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code used to route messages to specific bank branches within India’s payment system. The structure is:

• First 4 characters — bank identifier (alphabetic). Example: PUNB for Punjab National Bank.
• 5th character — reserved and is always 0 (zero).
• Last 6 characters — branch identifier (alphanumeric). Example: MBGB06 in PUNB0MBGB06.

How to Use IFSC Code (NEFT / RTGS / IMPS)

Follow these practical steps when sending money:

1. Confirm the beneficiary’s bank account number and the IFSC code (ask the recipient or check a bank statement). Do not guess.
2. Log in to your bank’s internet banking or mobile app, or visit the bank branch.
3. Go to “Add Beneficiary” or “Manage Payee.” Enter the beneficiary name, account number, account type, and the IFSC code exactly as provided (for example PUNB0MBGB06).
4. Complete any necessary beneficiary verification (OTP or in-branch verification). Many banks require a cooling period after adding a new beneficiary before transfers are allowed.
5. Select the transfer mode: IMPS for instant low-value transfers, NEFT for normal/non-urgent transfers, and RTGS for high-value same-day settlements.
6. Enter the amount, purpose, and submit. Authenticate the transaction (OTP, token or PIN) as required.
7. Save or note the transaction reference number. If an error occurs, contact your bank and provide the reference number.

Benefits of Knowing the IFSC

• Accurate routing: Ensures funds reach the correct bank and branch.
• Faster processing: NEFT/RTGS/IMPS systems use IFSC to speed up settlement.
• Reduced errors: Correct IFSC lowers the chance of failed or returned transfers.
• Convenience: Enables online transfers without visiting a branch.
• Useful for automation: Stored IFSC codes allow recurring payments and payroll processing.

Contact

Branch Phone: 9771446141
Branch Address: RO GAYA, Gaya, 823001
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll-free: 18001807777

FAQs

• Q: How do I verify that PUNB0MBGB06 is the correct IFSC for RO GAYA?

  A: Confirm with the account holder, check a cheque book or bank statement from RO GAYA, or call the branch at 9771446141. Always cross-check before initiating the transfer.

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

  A: If the IFSC points to a different bank branch and the account number matches a valid account there, funds may be credited to the wrong account. If the combination is invalid, the transaction will usually be rejected and returned to your account. Contact your bank immediately with the transaction reference.

• Q: Can I use the MICR code instead of IFSC for electronic transfers?

  A: No. MICR (Magnetic Ink Character Recognition) is used for cheque processing. Electronic transfers require IFSC for routing within NEFT/RTGS/IMPS systems.

• Q: After the UBGB/DBGB merger, will IFSC codes change often?

  A: Mergers can lead to consolidation of IFSC codes. In this case, the merged entity uses PUNB0MBGB06. If future reorganizations occur, the bank will notify customers and provide the new IFSC; banks also publish revised IFSC lists and update systems, but always confirm with the branch before transacting.

• Q: How long does it take for NEFT/RTGS/IMPS transfers to complete?

  A: IMPS is instant (real-time). NEFT and RTGS are processed in electronic batches or real-time depending on the bank’s systems; both are now available round-the-clock in many banks. Confirmation and funds availability depend on both remitter and beneficiary banks; keep the transaction reference to track delays.