The Bihar Gramin Bank branch at Ughara is located in Darbhanga district of Bihar (Pincode 847301). For electronic fund transfers (NEFT, RTGS, IMPS) the IFSC code is necessary. The IFSC uniquely identifies the bank and branch where the beneficiary account is held. Using the correct IFSC ensures your funds route to the right branch and clears without delay.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Ughara |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100430 |
| Branch Address | Ughara, DARBHANGA, 847301, 9297955183 |
| Contact Number | 9297955183 |
| City | DARBHANGA |
| District | DARBHANGA |
| Reason | DARBHANGA |
| Pincode | 847301 |
| State | Bihar |
Merger Update
Note on RRB mergers: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged into a single entity under the sponsor bank arrangement. The merged entity now uses the single IFSC code PUNB0MBGB06 under Punjab National Bank. Old UBGB and DBGB IFSC codes have been revoked and are no longer valid for transactions. For fund transfers to this Ughara branch you must use PUNB0MBGB06. The prefix PUNB in the IFSC indicates the sponsor bank is Punjab National Bank, and the trailing six characters identify the specific RRB branch code.
What is IFSC Code?
IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code used to route electronic payments to the correct bank branch.
- Structure: First 4 characters = bank code (letters). Example: PUNB = Punjab National Bank.
- 5th character: Always ‘0’ (reserved).
- Last 6 characters: Branch identifier (letters and/or numbers). Example: MBGB06 in PUNB0MBGB06.
How to Use IFSC Code for NEFT, RTGS, IMPS
Follow these steps when sending money:
- Choose your transfer mode in your bank app or internet banking: NEFT, RTGS or IMPS. (NEFT is for routine transfers; RTGS is for higher-value, same-day large transfers; IMPS is instant, 24×7.)
- Add a new beneficiary. Enter beneficiary name and bank account number exactly as given by the recipient.
- Enter the IFSC: PUNB0MBGB06. Also enter the branch name (Ughara) if requested.
- Double-check account number and IFSC. A single digit mistake can route funds incorrectly or cause failure.
- Confirm transfer amount and mode. Note RTGS may have bank-defined minimum limits (commonly higher than NEFT); check your bank’s current rules before initiating a large transfer.
- Authenticate the transaction using OTP/transaction password as required by your bank.
- Save beneficiary only after successful verification to use for future transfers.
Tip: You can also find IFSC on the passbook, cheque leaf, or by asking the branch. Always verify if the IFSC was recently changed due to a merger.
Benefits of Knowing the IFSC
- Ensures funds are routed to the exact bank branch and account.
- Required for electronic transfers (NEFT, RTGS, IMPS) and some government and salary payments.
- Reduces failed transfers and delays caused by incorrect bank details.
- Makes it easy to pre-register beneficiaries in internet banking and mobile apps.
- Helps identify the sponsor bank quickly (useful for RRBs that operate under a sponsor bank code).
Contact
Branch phone no: 9297955183
Branch Address: Ughara, DARBHANGA, 847301
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777
FAQs
Q: Is PUNB0MBGB06 the only valid IFSC for Ughara branch?
A: Yes. After the regional rural bank mergers, the valid IFSC for this branch is PUNB0MBGB06. Old UBGB/DBGB IFSCs have been revoked and should not be used.
Q: Can I use this IFSC for NEFT, RTGS and IMPS?
A: Yes. The IFSC PUNB0MBGB06 is valid for NEFT, RTGS and IMPS transactions. Choose the transfer mode based on timing and amount.
Q: Where can I find IFSC on a cheque or passbook?
A: The IFSC is usually printed on the top of the bank’s cheque leaf and on the first page of the passbook. For RRBs, the IFSC often uses the sponsor bank’s 4-letter code followed by the branch identifier.
Q: What if I enter the wrong IFSC but the correct account number?
A: If the IFSC points to a different branch but the account number exists with the intended bank, the transfer may still fail or be routed incorrectly. Always confirm both account number and IFSC. Contact the sending bank immediately if a wrong IFSC was used.
Q: Has the sponsor bank changed because of the merger?
A: The IFSC prefix PUNB indicates Punjab National Bank is acting as the sponsor bank for this RRB setup. The merger consolidated RRB operations under this sponsor code, which is why the IFSC starts with PUNB.
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.