Baghant is a village in Darbhanga district, Bihar (pincode 847422). If you need to send or receive money from the Bihar Gramin Bank, Baghant branch, you must use the correct IFSC code for NEFT, RTGS and IMPS transfers. The IFSC code identifies the bank and branch in electronic clearing systems. Using a wrong or old code can delay or block a fund transfer.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Baghant |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100445 |
| Branch Address | Baghant, DARBHANGA, 847422, 9297955069 |
| Contact Number | 9297955069 |
| City | DARBHANGA |
| District | DARBHANGA |
| Reason | DARBHANGA |
| Pincode | 847422 |
| State | Bihar |
Merger Update
Important: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged and their operations now run under Punjab National Bank sponsorship. The combined regional rural bank uses the single IFSC code PUNB0MBGB06 for the Baghant branch. Old UBGB or DBGB IFSC codes have been revoked. For any NEFT, RTGS or IMPS transfer to this branch, use only PUNB0MBGB06. Transactions attempted with old IFSC codes may be rejected or delayed.
What is an IFSC Code?
The IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to identify bank branches for electronic payments in India.
- First 4 characters – identify the bank (for example, PUNB = Punjab National Bank).
- 5th character – is always a zero (0). It is reserved for future use.
- Last 6 characters – identify the specific branch (for this branch: MBGB06).
So in PUNB0MBGB06: PUNB = bank, 0 = reserved, MBGB06 = branch identifier.
How to Use IFSC Code
Follow these steps when you send money via NEFT, RTGS or IMPS:
- Open your bank’s netbanking app, mobile app or visit the branch counter.
- Choose the transfer type: NEFT for routine transfers, RTGS for high-value immediate transfers (RTGS normally has a minimum amount threshold set by banks), or IMPS for instant transfers 24×7.
- Enter beneficiary details: name, account number, and the IFSC code PUNB0MBGB06.
- Double-check the IFSC and account number. A single wrong character can route the payment to another branch or fail.
- Enter amount and purpose. Authenticate as required (OTP, token, UPI PIN, etc.).
- Save the beneficiary if you will transfer repeatedly. Verify small test transfer for new beneficiaries.
Benefits of Knowing the IFSC
- Ensures funds reach the correct branch quickly via NEFT, RTGS or IMPS.
- Reduces failed transfers and reconciliation delays.
- Needed for receiving bank transfers, salary credits, and electronic mandates.
- Helps bank staff validate transactions at the branch counter.
- Useful for automated systems: payroll, vendor payments, and billers.
Contact
Branch phone: 9297955069
Branch address: Baghant, DARBHANGA, 847422
Head office address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777
FAQs
Q: Can I use an old UBGB or DBGB IFSC to transfer money to Baghant?
A: No. Old UBGB/DBGB IFSC codes have been revoked after the merger. Use only PUNB0MBGB06 for transfers to the Baghant branch.
Q: What’s the difference between NEFT, RTGS and IMPS?
A: NEFT batches and settles periodically (suitable for regular transfers). RTGS is for high-value transfers that settle individually and near-instant for eligible amounts. IMPS is instant and available 24×7 for smaller to medium payments. Check your bank for exact limits and timings.
Q: My transfer failed. How do I check if IFSC was the problem?
A: Verify the IFSC and account number you entered. If the IFSC is wrong, your bank will either reject the transaction or return the funds after a delay. Contact your bank with the transaction reference. Provide date, amount, beneficiary details and transaction ID.
Q: How can I confirm the IFSC before making a transfer?
A: Confirm the IFSC from this branch table, call the branch at 9297955069, or ask your bank. For recurring payments, do a small test transfer first.
Q: Is MICR necessary for electronic transfers?
A: MICR is used for cheque clearing. It isn’t required for NEFT/RTGS/IMPS. For cheque processing, use MICR 800811002 for this branch.
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.