HARIGAON is a village in Bhojpur district, Bihar. This branch serves local residents and small businesses for deposits, withdrawals and fund transfers. For any electronic transfer — NEFT, RTGS or IMPS — you must use the correct IFSC code. The IFSC routes your payment to the right bank and branch. A wrong or old IFSC can delay or block the transfer.
Branch Details Table
| Bank Name | Bihar Gramin Bank |
| Branch Name | HARIGAON |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 6865 |
| Branch Address | HARIGAON, Bhojpur, 802162, 7485096865 |
| Contact Number | 7485096865 |
| City | Bhojpur |
| District | Bhojpur |
| Reason | ARA |
| Pincode | 802162 |
| State | Bihar |
Merger Update
Important: This branch is now covered under the consolidated arrangement with Punjab National Bank. Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged into a single structure. All legacy UBGB/DBGB IFSC codes have been revoked. Use only the new IFSC PUNB0MBGB06 for fund transfers to this branch. If you have beneficiary details saved with an old UBGB or DBGB IFSC, update them to the new PUNB0MBGB06 before initiating NEFT/RTGS/IMPS.
What is IFSC Code?
The Indian Financial System Code (IFSC) is an 11-character code used to identify bank branches in electronic payments. Its structure is:
- First 4 characters — Bank code (alphabetic). Example: PUNB stands for Punjab National Bank.
- 5th character — Always 0 (reserved for future use).
- Last 6 characters — Branch identifier (alphanumeric). Example: MBGB06 identifies this specific branch under the consolidated PNB mapping.
Note: The branch code used inside the bank (for example 6865) may be different from the last six characters in the IFSC. Always rely on the full IFSC for transfers.
How to Use IFSC Code for NEFT, RTGS, IMPS
- Open your bank’s internet banking or mobile app and choose money transfer.
- Select transfer type: IMPS for instant small-value transfers, NEFT for regular transfers, or RTGS for high-value real-time gross settlement where available.
- Enter beneficiary name and account number exactly as held at the receiving bank.
- Enter the IFSC: PUNB0MBGB06. Double-check each character; IFSC is case-insensitive but must match exactly.
- Enter amount and transfer purpose. For RTGS check the minimum amount limit with your bank (RTGS typically has a minimum, NEFT/IMPS do not).
- Verify details and authenticate the transaction using OTP, token or netbanking credentials.
- Save beneficiary only after a successful first transfer or follow your bank’s beneficiary verification flow (many banks require a 30-minute or 24-hour cooling period).
Benefits of Knowing the IFSC
- Ensures funds reach the correct branch quickly.
- Required for NEFT, RTGS and IMPS transfers.
- Reduces failed transactions and return charges.
- Allows beneficiaries to be added correctly in online banking apps.
- Helps when reconciling payments for businesses and suppliers.
Contact
Branch Phone: 7485096865
Branch Address: HARIGAON, Bhojpur, 802162, 7485096865
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll-free: 18001807777
FAQs
Q: Can I use any old UBGB or DBGB IFSC to send money to this branch?
A: No. Old UBGB and DBGB IFSC codes have been revoked. Use only PUNB0MBGB06 for transfers to this branch.
Q: What if I enter the wrong IFSC but correct account number?
A: If the IFSC points to a different branch, the payment may go to that branch and fail reconciliation. If IFSC does not exist, the transfer will be rejected and funds returned after processing. Always verify both account number and IFSC.
Q: Is there a minimum or maximum amount for NEFT/IMPS/RTGS?
A: IMPS is suitable for instant transfers of small to medium amounts and is available 24×7. NEFT has no strict minimum and is available round-the-clock. RTGS is for high-value payments and may have a minimum threshold (check your bank). Banks may impose their own per-transaction limits.
Q: How soon will the beneficiary update take effect?
A: After you add or edit a beneficiary, many banks put a cooling period (30 minutes to 24 hours) before the first transfer. This is a security feature. Check the exact wait time with your bank.
Q: How can I verify this IFSC before transferring?
A: Confirm the IFSC with the beneficiary, check the branch passbook or cheque leaf, or call the branch phone number (7485096865). When in doubt, contact the head office toll-free at 18001807777.
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.