Bihar Gramin Bank Rani IFSC Code

Rani is a branch located in Begusarai district of Bihar (Pincode 851111). For anyone sending or receiving bank transfers to this branch, the IFSC code is the key identifier used by Indian electronic payment systems. The IFSC lets systems route NEFT, RTGS and IMPS transactions to the exact bank branch. Entering the correct IFSC with the beneficiary account number reduces delays, failed transfers, and reconciliation problems.

Branch Details

Merger Update

Important: This IFSC (PUNB0MBGB06) is issued under Punjab National Bank (PNB). If this branch earlier belonged to Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB), both those regional banks have been merged into the current structure and now use the single IFSC PUNB0MBGB06 under PNB. Old UBGB/DBGB IFSC codes have been revoked. For all electronic transfers you must use the new IFSC PUNB0MBGB06 — old codes will not route transactions.

What is IFSC Code?

The Indian Financial System Code (IFSC) is an 11-character alphanumeric code that identifies a bank branch for electronic payments. The format is:

• First 4 characters — bank identifier (e.g., PUNB = Punjab National Bank).
• 5th character — always the numeral 0 (reserved for future use).
• Last 6 characters — branch identifier (alphanumeric), unique to the branch (for example MBGB06 in PUNB0MBGB06).

Note: IFSC is different from the MICR code. MICR (e.g., 800811002) is used for physical cheque clearing and is numeric; IFSC is used for electronic transfers.

How to Use IFSC Code for NEFT, RTGS, IMPS

• Log in to your bank’s netbanking or mobile banking app, or visit the bank branch for offline instruction.
• Choose payment type: NEFT (batch-based), RTGS (for large-value transfers), or IMPS (instant, 24×7).
• Add a beneficiary: enter beneficiary name exactly as per bank records and the beneficiary account number.
• Enter the IFSC code: PUNB0MBGB06. The system often validates the code against the beneficiary name and bank details.
• Enter amount and any purpose/remarks. For RTGS check whether your bank enforces a high-value threshold for this service.
• Verify all details on the confirmation screen. A mismatch in IFSC or account number can cause failure or misrouting.
• Authorize the transfer using OTP, transaction password, or UPI PIN as required by your bank.
• Keep the transaction reference number until funds reflect and reconcile with the beneficiary.

Benefits of Knowing the IFSC

• Ensures accurate routing of NEFT, RTGS and IMPS transactions to the correct branch.
• Reduces failed transfers and delays by avoiding ambiguity in branch identification.
• Allows you to add beneficiaries quickly in online banking and mobile apps.
• Helps reconcile payments — reference code ties to a specific branch.
• Distinguishes between electronic transfer code (IFSC) and cheque clearing code (MICR), avoiding wrong methods for intended transaction types.

Contact

Branch Phone: 8102920482
Branch Address: Rani, Begusarai, 851111
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll Free: 18001807777

FAQs

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

  A: Yes. PUNB0MBGB06 is the valid IFSC shown for the Rani branch. If this branch previously used a UBGB or DBGB IFSC, those old codes have been revoked after merger — use only PUNB0MBGB06 for transactions.

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

  A: If the IFSC does not match the intended branch, the bank’s validation often flags a mismatch and the transaction may be rejected. If an incorrect but valid IFSC is entered that belongs to another account, funds could be misrouted; in that case banks follow their recovery procedures, which take time. Always double-check IFSC and account number before sending large amounts.

• Q: Is MICR code 800811002 needed for online transfers?

  A: No. MICR (800811002) is used for cheque processing and physical clearing. For NEFT/RTGS/IMPS you only need the IFSC (PUNB0MBGB06), account number, and beneficiary name.

• Q: Where can I verify the IFSC before transferring?

  A: Verify with the beneficiary bank branch, check a recent bank statement, cheque leaf, or ask the beneficiary to confirm. For large transfers, call the branch (8102920482) or the bank’s toll-free number (18001807777) to confirm the correct IFSC and account details.

• Q: Do I need the branch code 3828 when making transfers online?

  A: Normally no. Online forms require IFSC, account number and beneficiary name. The numeric branch code (3828) is an internal identifier and is not typically requested by customers during online transfers.

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.