Ekchari is a small town in Bhagalpur district, Bihar. This page covers the Bihar Gramin Bank, Ekchari branch and its banking identifiers. An accurate IFSC code is essential for electronic fund transfers — NEFT, RTGS and IMPS — because it routes payments to the correct bank and branch. Using the wrong or revoked IFSC can delay or return a transfer, so confirm the code before making payments.
Branch Details Table
| Bank Name | Bihar Gramin Bank |
| Branch Name | Ekchari |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 3636 |
| Branch Address | Ekchari, Bhagalpur, 813205, 8102918363 |
| Contact Number | 8102918363 |
| City | Bhagalpur |
| District | Bhagalpur |
| Reason | BHAGALPUR |
| Pincode | 813205 |
| State | Bihar |
Merger Update
The rural banking landscape in Bihar has seen consolidation. Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged into a single structure and their operations are now routed through Punjab National Bank’s clearing arrangement. The active IFSC for the merged operations is PUNB0MBGB06. Old UBGB and DBGB IFSC codes have been revoked and should not be used for transfers. Only the new IFSC is valid for NEFT, RTGS and IMPS transactions.
What is IFSC Code?
IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code that uniquely identifies a bank branch in electronic payment systems. The structure is:
- First 4 characters — Bank identifier (e.g., PUNB = Punjab National Bank).
- 5th character — Always 0 (reserved for future use).
- Last 6 characters — Branch identifier (e.g., MBGB06 in PUNB0MBGB06).
Example: In PUNB0MBGB06, “PUNB” = bank, “0” = reserved, “MBGB06” = specific branch code used for routing.
How to Use IFSC Code
Use the IFSC code when you set up any online or bank-based fund transfer. Steps for common transfer modes:
- Collect recipient details: name, account number, branch name and IFSC (PUNB0MBGB06 for Ekchari).
- Login to your bank or payments app: choose NEFT, RTGS or IMPS as required.
- Enter payee details: account number, name and IFSC. Double-check the IFSC and account number for typos.
- Specify amount and remarks: mention purpose if the form asks.
- Check transaction rules:
- IMPS: immediate and available 24×7 for small to medium amounts.
- NEFT: no minimum; available 24×7 in batches (now continuous settlements in most banks).
- RTGS: typically for high-value transfers; many banks set a minimum (commonly ₹2,00,000) and now offer round-the-clock RTGS.
- Verify and authenticate: confirm details and complete OTP or bank authentication.
- Keep the transaction reference: note UTR or reference number and check the beneficiary account after settlement.
Benefits of Knowing the IFSC
- Ensures funds are routed to the exact branch and account without manual intervention.
- Prevents failed transfers caused by ambiguous branch names or duplicate branch locations.
- Makes automated reconciliation easier for businesses and accountants.
- Simplifies setting up beneficiary details in internet banking and UPI-based systems.
- Needed for inward remittances, salary credits, vendor payments and online bill payments.
Contact
Branch phone no: 8102918363
Branch Address: Ekchari, Bhagalpur, 813205
Head office address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777
FAQs
Q: Is PUNB0MBGB06 the correct IFSC to use for Ekchari branch transfers?
A: Yes. The correct IFSC listed for Bihar Gramin Bank, Ekchari branch is PUNB0MBGB06. Use it for NEFT, RTGS and IMPS transfers.
Q: What happens if I use an old UBGB or DBGB IFSC code?
A: Old UBGB/DBGB IFSC codes have been revoked after the merger. Transfers using revoked codes will likely fail or be returned. Always use the current IFSC — PUNB0MBGB06 — to avoid delays.
Q: Can I transfer funds with only the branch code or MICR?
A: No. For electronic transfers you need the full IFSC. MICR is used for cheque clearing and is not sufficient for NEFT/RTGS/IMPS.
Q: How can I verify the IFSC before sending money?
A: Verify by checking a recent cheque leaf, the bank passbook, official bank communications, or by calling the branch at 8102918363. Confirm both the IFSC and the beneficiary account number.
Q: Are transfers to this IFSC available 24×7?
A: IMPS is real-time and available 24×7. NEFT and RTGS services are available round-the-clock in most banks now, but check your bank’s cut-offs, transfer limits and charges before initiating high-value RTGS transactions.
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.