The Harauli branch of Bihar Gramin Bank is located in the Darbhanga district of Bihar. For anyone looking to send or receive money electronically to an account at this branch, the Indian Financial System Code (IFSC) is essential. This unique 11-character code acts as a specific address for the bank branch, ensuring that fund transfers through systems like NEFT, RTGS, and IMPS are routed correctly and securely to the intended recipient.
Bihar Gramin Bank, Harauli Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Harauli |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | MBGB06 |
| Branch Address | Harauli, DARBHANGA, 848213, 9297955093 |
| Contact Number | 9297955093 |
| City | DARBHANGA |
| District | DARBHANGA |
| State | Bihar |
Important Merger Information
Bihar Gramin Bank was formed through the merger of two former regional rural banks: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). Following this amalgamation, Punjab National Bank (PNB) became the sponsor bank. As a result, all old IFSC codes belonging to UBGB and DBGB branches have been revoked. For all electronic transactions, you must now use the new IFSC code, which starts with ‘PUNB’. For the Harauli branch, the only valid IFSC code is PUNB0MBGB06. Using an old code will result in a failed transaction.
Understanding the IFSC Code
The Indian Financial System Code (IFSC) is a unique 11-character code assigned by the Reserve Bank of India (RBI) to every bank branch participating in electronic fund transfers. The code has a specific structure that helps identify both the bank and the individual branch.
Let’s break down the Harauli branch IFSC code, PUNB0MBGB06:
- PUNB: The first four alphabetic characters represent the bank. In this case, it stands for Punjab National Bank, the sponsor bank.
- 0: The fifth character is always a zero. It is reserved for future use.
- MBGB06: The last six characters identify the specific branch. For the Harauli branch, this unique identifier is MBGB06.
How to Use the IFSC Code for Fund Transfers
When you initiate an online fund transfer, you will need to provide the beneficiary’s IFSC code along with their account number and name. The process is straightforward and similar across most banking platforms.
- Log in to your internet banking or mobile banking application.
- Navigate to the ‘Fund Transfer’ or ‘Payments’ section.
- Choose the type of transfer you want to make: NEFT, RTGS, or IMPS.
- Add a new beneficiary or select an existing one. You will be prompted to enter the beneficiary’s details.
- Enter the recipient’s name, account number, and the IFSC code: PUNB0MBGB06.
- Double-check all the details, enter the amount, and confirm the transaction.
These systems use the IFSC code to route the payment to the correct destination branch automatically.
Why the Correct IFSC Code Matters
- Transaction Accuracy: The code ensures your money is sent to the exact bank branch, eliminating guesswork and reducing the risk of errors.
- Faster Processing: Electronic systems use the IFSC to automate the routing process, which makes transfers quicker and more efficient than manual methods.
- Error Prevention: Using the correct code prevents common issues like transaction failures or funds being sent to an incorrect branch, which can cause significant delays.
- Enables Digital Banking: The IFSC code is a fundamental requirement for all major online payment systems in India, including NEFT, RTGS, and IMPS.
Contact the Harauli Branch
For specific account-related questions or assistance, you can contact the branch directly or reach out to the bank’s head office.
Branch Contact
- Phone Number: 9297955093
- Address: Harauli, DARBHANGA, 848213, Bihar
Head Office & General Support
- Head Office Address: Shri Vishnu Commercial Complex, Asochak, Patna-800030, Bihar
- Toll-Free Number: 18001807777
Frequently Asked Questions
What is the new IFSC code for the Bihar Gramin Bank Harauli branch?
The new and official IFSC code for the Harauli branch is PUNB0MBGB06. This is the only code that should be used for fund transfers.
Can I still use my old Uttar Bihar Gramin Bank (UBGB) IFSC code?
No. All old IFSC codes associated with Uttar Bihar Gramin Bank and Dakshin Bihar Gramin Bank are now invalid. You must update your records and use the new ‘PUNB’ series IFSC codes for all transactions.
Why does the IFSC code start with ‘PUNB’ instead of a code for Bihar Gramin Bank?
‘PUNB’ is the identifier for Punjab National Bank. As the sponsor bank for Bihar Gramin Bank after the merger, PNB issues and manages the IFSC codes for all its sponsored regional rural banks.
What happens if I enter the wrong IFSC code?
In most cases, the banking system will not find a match, and the transaction will fail. The money will be credited back to your account, though this may take some time. In a rare scenario where the wrong code matches another valid branch, funds could be misdirected, leading to a complicated recovery process.
Is the IFSC code different from the MICR code?
Yes, they serve different purposes. The IFSC code (PUNB0MBGB06) is an 11-character alphanumeric code used for online transfers. The MICR code (800811002) is a 9-digit numeric code found on cheque leaves and is used for processing physical cheques.
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.