The Bihar Gramin Bank branch in Hathauri is located in the Darbhanga district of Bihar. For any online money transfer to this branch, you need a specific code called the Indian Financial System Code (IFSC). This 11-character code is essential for directing funds accurately through systems like National Electronic Funds Transfer (NEFT), Real-Time Gross Settlement (RTGS), and Immediate Payment Service (IMPS). Without the correct IFSC code, your transaction could be delayed or rejected.
Branch Details for Bihar Gramin Bank, Hathauri
| Bank Name | Bihar Gramin Bank |
| Branch Name | Hathauri |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | MBGB06 |
| Branch Address | Hathauri, Darbhanga, 847301 |
| Contact Number | 9297955096 |
| City | Darbhanga |
| District | Darbhanga |
| Pincode | 847301 |
| State | Bihar |
Important Merger Information
Previously, banking services in the region were provided by two separate entities: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). These two banks have since merged to form a single entity, now known as Bihar Gramin Bank. This new bank is sponsored by Punjab National Bank (PNB).
As a result of this merger, all old IFSC codes, particularly those belonging to the former Uttar Bihar Gramin Bank, have been revoked and are no longer valid. For any transaction to the Hathauri branch, you must use the new, updated IFSC code: PUNB0MBGB06. Using an old code will result in a failed transaction.
What is an IFSC Code?
An IFSC code is an 11-character alphanumeric code that uniquely identifies a bank branch participating in online fund transfer systems. The structure of the code is designed to be easily read by computer systems, ensuring your money goes to the right place. Let’s break down the Hathauri branch IFSC code, PUNB0MBGB06:
- PUNB: The first four letters represent the name of the sponsor bank, which is Punjab National Bank.
- 0: The fifth character is always a zero. It is reserved for future use by the Reserve Bank of India.
- MBGB06: The last six characters represent the specific branch code for the Hathauri branch of Bihar Gramin Bank.
How to Use the IFSC Code
Using the IFSC code for an online fund transfer is a straightforward process. When you add a new beneficiary or payee in your mobile banking app or internet banking portal, you will be asked for the following details:
- Beneficiary Name: The full name of the person or entity as it appears on their bank account.
- Beneficiary Account Number: The complete bank account number of the recipient.
- Bank Name: Select ‘Bihar Gramin Bank’ from the list.
- IFSC Code: Carefully enter PUNB0MBGB06. The system often auto-populates the branch name and address after you enter the code.
Once these details are correctly entered, you can proceed with your NEFT, RTGS, or IMPS transaction. Double-checking the IFSC code and account number is the most critical step to avoid errors.
Benefits of Using the Correct IFSC Code
- Accurate Routing: It ensures that your money is sent directly to the intended bank branch without any confusion.
- Faster Processing: Correct codes enable automated processing, which reduces transfer times and manual intervention.
- Prevents Errors: It significantly lowers the risk of transactions being rejected or sent to the wrong account.
- Transaction Security: The code is a key part of the security protocol for electronic fund transfers in India.
Contact Information
For direct assistance, you can contact the branch or the bank’s head office.
Branch Contact:
Phone: 9297955096
Address: Hathauri, Darbhanga, Bihar – 847301
Head Office Contact:
Address: Shri Vishnu Commercial Complex, Asochak, Patna – 800030, Bihar
Toll-Free Number: 18001807777
Frequently Asked Questions
Is Bihar Gramin Bank the same as Uttar Bihar Gramin Bank?
No. Bihar Gramin Bank is the new entity formed after the merger of Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). UBGB no longer exists as a separate bank.
Why does the IFSC code for Bihar Gramin Bank start with ‘PUNB’?
The code starts with ‘PUNB’ because Punjab National Bank (PNB) is the sponsor bank for Bihar Gramin Bank. The first four letters of an IFSC code always identify the primary or sponsor bank.
Can I still use my old UBGB IFSC code for the Hathauri branch?
No, you cannot. All old IFSC codes associated with the former Uttar Bihar Gramin Bank are now invalid. You must use the new code, PUNB0MBGB06, for all transactions to avoid failure.
What happens if I enter the wrong IFSC code during a transfer?
If the IFSC code you enter does not exist, the transaction will likely be rejected immediately by your bank. If the code exists but belongs to a different branch, the funds could be delayed while the bank attempts to resolve the error, or they may be credited to the wrong branch and eventually returned to your account.
What is the difference between NEFT and RTGS?
NEFT (National Electronic Funds Transfer) processes transactions in hourly batches, making it suitable for smaller, non-urgent payments. RTGS (Real-Time Gross Settlement) processes transactions individually and in real-time. It is typically used for high-value transfers (above ₹2 lakh) that are time-sensitive.
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.