Bihar Gramin Bank WAR IFSC Code

The WAR branch of Bihar Gramin Bank is located in WAR, Aurangabad district, Bihar (pincode 824103). This branch serves local customers for deposits, withdrawals, and electronic transfers. For fund transfers such as NEFT, RTGS and IMPS, the correct IFSC code is essential. The IFSC uniquely identifies the bank and branch in the payment network. Using the right IFSC avoids failed transactions, delays, and funds being routed to the wrong branch.

Branch Details

Merger Update

Important: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged under Punjab National Bank. The WAR branch now uses the single IFSC PUNB0MBGB06 under Punjab National Bank for all electronic fund transfers. Old UBGB and DBGB IFSC codes have been revoked. Only the new IFSC PUNB0MBGB06 is valid for NEFT, RTGS and IMPS transactions. Do not use legacy IFSC codes; transactions with revoked codes will fail.

What is IFSC Code?

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

• First 4 characters: Bank code (example: PUNB for Punjab National Bank)
• 5th character: Always the number 0 (reserved)
• Last 6 characters: Branch code (example: MBGB06 identifies this specific branch)

Example breakdown of PUNB0MBGB06: PUNB = bank, 0 = reserved, MBGB06 = branch identifier.

How to Use IFSC Code for NEFT, RTGS and IMPS

• Open your bank’s netbanking app or mobile banking app.
• Choose the transfer type: NEFT, RTGS or IMPS. (RTGS for high-value real-time, NEFT for batched transfers, IMPS for instant 24×7 small-value transfers.)
• Enter beneficiary name and account number exactly as provided by the beneficiary.
• Enter the IFSC: PUNB0MBGB06. Double-check each character. A wrong IFSC routes the payment to a different branch or causes failure.
• Enter the amount and purpose. For RTGS check the minimum amount limit set by your bank.
• Verify all details on the confirmation screen. Submit and note the transaction reference number for tracking.
• If the bank asks for MICR, you can provide 800811002, but MICR is not required for online fund transfers—IFSC is mandatory.

Benefits of Knowing the IFSC

• Ensures correct routing of electronic payments to the intended branch.
• Prevents failed transfers and related delays.
• Needed for NEFT, RTGS and IMPS transactions and for adding beneficiaries in netbanking.
• Useful for automated inward credits like salaries, refunds and vendor payments.
• Helps customer service resolve payment queries quickly using the exact branch identifier.

Contact

Branch Phone: 9771464133

Branch Address: WAR, Aurangabad, 824103

Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR

Toll free: 18001807777

FAQs

• Q: Can I use the old UBGB IFSC for transfers to this branch?
  A: No. Old UBGB IFSC codes have been revoked after the merger. Use only PUNB0MBGB06.
• Q: Is IFSC mandatory for NEFT, RTGS and IMPS?
  A: Yes. IFSC uniquely identifies the branch and is required for these electronic transfer systems.
• Q: What if I enter a wrong IFSC but correct account number?
  A: If the wrong IFSC points to another valid branch, funds may route to that branch and require reconciliation. If the IFSC is invalid, the transfer will fail and the amount will be returned. Always confirm IFSC before transfer.
• Q: Do I need MICR for online transfers?
  A: No. MICR (800811002) is used for cheque processing. IFSC is mandatory for online NEFT/RTGS/IMPS.
• Q: Where can I verify the IFSC before sending money?
  A: Verify with the beneficiary, the bank’s official documents, bank branch or the head office. After the merger, ensure the IFSC is PUNB0MBGB06.

Kriti Kumari

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.