The UNWAS branch of Bihar Gramin Bank is located in Unwas, Buxar district, Bihar (PIN 802123). This branch serves local residents and businesses in Buxar. For electronic fund transfers—NEFT, RTGS and IMPS—the branch’s IFSC code is the key identifier that lets banks route payments correctly and quickly. Using the correct IFSC prevents delays, failed transfers, and misrouting of funds.
Branch Details Table
| Bank Name | Bihar Gramin Bank |
| Branch Name | UNWAS |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 7082 |
| Branch Address | UNWAS, Buxar, 802123, 9771464082 |
| Contact Number | 9771464082 |
| City | Buxar |
| District | Buxar |
| Reason | BHABHUA |
| Pincode | 802123 |
| State | Bihar |
Merger Update
Important: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged into Punjab National Bank. These merged operations now use a single IFSC code: PUNB0MBGB06 under Punjab National Bank. Old UBGB IFSC codes have been revoked. If you have any saved beneficiaries or templates using old UBGB or DBGB IFSCs, update them to PUNB0MBGB06 before initiating transfers.
What is IFSC Code?
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to identify a specific bank branch in electronic fund transfers. Structure:
- First 4 characters – bank code (letters). Example: PUNB = Punjab National Bank.
- 5th character – always the digit 0 (reserved).
- Last 6 characters – branch identifier (letters or digits). Example: in PUNB0MBGB06, the last 6 are MBGB06.
How to Use IFSC Code for NEFT, RTGS, IMPS
- Open your bank’s netbanking portal, mobile app, or visit the branch to make a transfer.
- Choose the transfer type: NEFT, RTGS or IMPS. (IMPS is instant and available 24×7; NEFT and RTGS availability depends on the bank and system hours.)
- Add a beneficiary or payee. Enter the beneficiary name exactly as per their bank account, account number, and the IFSC code PUNB0MBGB06.
- Double-check the branch name and IFSC before saving the beneficiary. A mismatch can delay or fail the transfer.
- Enter the amount and purpose. Confirm limits set by your bank for NEFT/RTGS/IMPS. Approve the transaction using the OTP or transaction password provided by your bank.
- For large or time-sensitive transfers, verify with the beneficiary after the transfer completes. Keep the UTR/reference number for reconciliation.
Benefits of Knowing the IFSC
- Ensures funds are routed to the correct bank branch without delays.
- Required for adding beneficiaries in internet banking and mobile apps.
- Prevents manual errors by allowing copy-paste verification of the code.
- Useful for cross-checking bank statements, cheques (with MICR) and discharge of transaction queries.
- Helps when updating payment instructions after mergers or branch reorganizations.
Contact
Branch phone: 9771464082
Branch address: UNWAS, Buxar, 802123
Head office address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777
FAQs
Q: What if I enter the wrong IFSC when transferring funds?
A: If the IFSC does not match the account number and branch, the transfer may fail or be returned. In some cases banks route by account number and still deliver; but this is not guaranteed. Contact your bank immediately with the transaction reference to resolve the issue.
Q: How can I verify that PUNB0MBGB06 is correct for UNWAS branch?
A: Verify using the branch passbook, cheque leaf, bank statement, or by calling the branch at 9771464082. After the UBGB/DBGB merger, ensure you use the updated PUNB0MBGB06 IFSC for transactions.
Q: Is IFSC the same as MICR?
A: No. IFSC is used for electronic transfers. MICR (Magnetic Ink Character Recognition) code, for example 800811002, is used for cheque processing and clearing through the clearinghouse.
Q: Do IFSC codes change after a bank merger?
A: Yes. After mergers, banks may issue new IFSC codes under the acquiring bank. As noted, UBGB and DBGB branches now operate under PUNB0MBGB06. Always update saved beneficiaries when notified by your bank.
Q: Is IFSC case-sensitive and can I type it in lowercase?
A: IFSC is not case-sensitive for most systems, but it’s best to use uppercase (e.g., PUNB0MBGB06) to avoid any formatting issues when adding beneficiaries.
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.