The Bihar Gramin Bank branch at BHARAULI serves residents of Bharauli village in Bhojpur district, Bihar (PIN 802165). This page lists the branch details you need for bank transfers and explains how to use the IFSC code for NEFT, RTGS and IMPS. The IFSC directs electronic payments to the correct bank and branch. Entering the correct IFSC avoids delays, failed transfers, or funds being routed to the wrong branch.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | BHARAULI |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 7020 |
| Branch Address | BHARAULI, Bhojpur, 802165, 9771464020 |
| Contact Number | 9771464020 |
| City | Bhojpur |
| District | Bhojpur |
| Reason | ARA |
| Pincode | 802165 |
| State | Bihar |
Merger Update
The IFSC PUNB0MBGB06 is now used under Punjab National Bank after consolidation of regional rural bank operations. Both Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) were merged into the combined structure that uses this single IFSC under Punjab National Bank. Old UBGB and DBGB IFSC codes have been revoked. For electronic transfers, use only the new IFSC PUNB0MBGB06. Transactions attempted with revoked IFSCs can fail or be returned.
What is IFSC Code?
The IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to identify bank branches for electronic payments. The structure is:
- First 4 characters: bank identifier (for example, PUNB = Punjab National Bank).
- 5th character: reserved and is always 0 (zero).
- Last 6 characters: branch identifier, unique to each branch (alphanumeric).
Example: PUNB0MBGB06 — PUNB identifies the bank, 0 is reserved, and MBGB06 is the branch code portion used by the bank to route payments to BHARAULI.
How to Use IFSC Code
- Open your bank’s netbanking site, mobile app or visit the branch for manual form filling.
- Choose the transfer type: NEFT, RTGS or IMPS. IMPS and many NEFT/RTGS systems operate 24×7; your bank interface will show available options and limits.
- Enter beneficiary name, account number and the IFSC: PUNB0MBGB06 for Bihar Gramin Bank, BHARAULI.
- Confirm the beneficiary branch name and MICR (800811002) shown by the interface. Mismatch signals an incorrect IFSC or account.
- Enter amount and purpose. For high-value transfers consider RTGS (real-time gross settlement) where offered; NEFT batches or immediate NEFT options depend on the bank.
- Verify details before authorizing. Save beneficiary details for future transfers once the first transfer clears.
- If the transfer fails, contact the sending bank and the beneficiary branch (9771464020) with transaction reference and timestamp.
Benefits of Knowing the IFSC
- Accurate routing: ensures funds reach the exact branch and account.
- Quicker transfers: correct IFSC reduces time spent resolving failed or returned payments.
- Needed for all electronic transfers: NEFT, RTGS, IMPS and many mobile UPI setups require or validate IFSC.
- Useful in account validation: banks use IFSC+account to verify beneficiary details before processing.
- Important after mergers: a single updated IFSC avoids confusion when banks consolidate.
Contact
Branch phone: 9771464020
Branch address: BHARAULI, Bhojpur, 802165
Head office address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free: 18001807777
FAQs
Q: Is PUNB0MBGB06 the only IFSC I should use for this branch?
A: Yes. Use PUNB0MBGB06 for BHARAULI branch transfers. Old IFSCs from UBGB or DBGB have been revoked and are no longer valid.
Q: What happens if I enter the wrong IFSC?
A: If the IFSC does not match the account number, the bank may reject the transaction or route it incorrectly. If funds leave your account but reach the wrong destination, recovery can be slow and may need both banks to coordinate. Always double-check IFSC and account number before sending.
Q: How quickly will the money arrive?
A: IMPS is instant (real-time). RTGS is immediate for high-value payments. NEFT completes in short time windows or immediately depending on your bank’s NEFT implementation. Processing time also depends on the sending and receiving bank systems.
Q: What is MICR code used for?
A: MICR (Magnetic Ink Character Recognition) code—800811002 here—is mainly used for cheque clearing. It does not replace IFSC for electronic transfers, but it helps in identifying the bank branch for cheque processing.
Q: If the bank merged, can IFSC change again?
A: Yes. Mergers and reorganization can cause IFSC changes. Banks publish such changes and notify customers. After a change, use only the new IFSC. For BHARAULI, the valid IFSC is PUNB0MBGB06 under Punjab National Bank post-merger.
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.