Ujan is a village locality in Darbhanga district, Bihar (pincode 847407). This article gives the key banking details for the Bihar Gramin Bank branch at Ujan and explains how to use its IFSC code for electronic fund transfers. The IFSC code is required for NEFT, RTGS and IMPS transfers. It uniquely identifies the bank and branch so money reaches the correct account. Entering the correct IFSC avoids delays and failed transactions.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Ujan |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100447 |
| Branch Address | Ujan, DARBHANGA, 847407, 9297955184 |
| Contact Number | 9297955184 |
| City | DARBHANGA |
| District | DARBHANGA |
| Reason | DARBHANGA |
| Pincode | 847407 |
| State | Bihar |
Merger Update
Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) were reorganised under Punjab National Bank for their rural operations. As a result, both former banks now use one consolidated IFSC code under Punjab National Bank for this branch: PUNB0MBGB06. Old UBGB/DBGB IFSC codes have been revoked. For any NEFT/RTGS/IMPS transfer to Ujan branch, use only PUNB0MBGB06. Transactions sent using deprecated IFSC codes may fail or be returned.
What is IFSC Code?
IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code used to identify bank branches in electronic payment systems.
Structure:
- First 4 characters – bank identifier (example: PUNB = Punjab National Bank).
- 5th character – reserved and is always zero (0).
- Last 6 characters – branch identifier (example: MBGB06 is the branch segment in PUNB0MBGB06).
How to Use IFSC Code for NEFT, RTGS, IMPS
- Open your bank’s netbanking, mobile app, or visit a branch. Choose “Add Beneficiary” or “New Payee”.
- Enter beneficiary name and account number exactly as the account holds it. Use the account type (savings/current).
- Enter the IFSC: PUNB0MBGB06. Also verify the branch name as Ujan, Darbhanga.
- Save/confirm beneficiary. Many banks require beneficiary activation which can take from minutes to a few hours.
- Choose the transfer method:
- IMPS — instant, available 24×7, smaller limits depending on bank.
- NEFT — for routine transfers. The RBI operates NEFT continuously; some banks may apply processing windows or limits.
- RTGS — for large-value transfers (bank-specific minimums). RTGS may require beneficiary added earlier and may be subject to bank cut-offs.
- Enter amount and transfer details. Confirm using OTP/transaction PIN as prompted.
- Keep the transaction reference for tracking. If funds do not arrive in expected time, contact your bank with the reference and beneficiary details.
Benefits of Knowing the IFSC
- Ensures funds are routed to the correct branch and account.
- Required to add beneficiaries for NEFT, RTGS and IMPS transfers.
- Prevents delays and returns caused by incorrect routing details.
- Useful for setting up salary credits, vendor payments and online bill payments.
- Makes reconciliation easier: IFSC + branch + MICR together uniquely identify the account location.
Contact
Branch phone no: 9297955184
Branch Address: Ujan, DARBHANGA, 847407
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777
FAQs
Q: Can I use any older UBGB or DBGB IFSC for transfers to Ujan branch?
A: No. Old UBGB/DBGB IFSC codes have been revoked. Use only PUNB0MBGB06 for transfers to this branch. Using revoked codes can result in failed transactions.
Q: What if I enter the wrong IFSC but the correct account number?
A: Most electronic systems validate IFSC and account number pairing. If they don’t match, the transaction may fail or be returned. If funds are credited incorrectly due to a data entry error, work with your bank immediately to trace and recover the funds. Recovery is possible but not guaranteed and may take time.
Q: Is IFSC case-sensitive?
A: No. IFSC is not case-sensitive. PUNB0MBGB06 and punb0mbgb06 are treated the same. Still enter the code exactly as shown to avoid typos.
Q: Which transfer method should I choose — NEFT, RTGS, or IMPS?
A: Choose based on urgency and amount. IMPS is instant and available 24×7 for small to medium amounts. NEFT is suitable for routine transfers and is widely supported; availability may be 24×7 on the RBI platform but check your bank’s processing practice. RTGS is intended for high-value transactions; check your bank’s minimum RTGS limit and charges.
Q: How long does a NEFT or RTGS transfer take to reach the Ujan branch?
A: If details are correct and the sending bank processes the payment promptly, IMPS is immediate. NEFT and RTGS times depend on the sending bank’s processing and any interbank clearing. RBI systems provide continuous settlement, but individual bank cut-offs or beneficiary activation requirements can add delay. If a payment is delayed beyond a business day, contact your bank with the transaction reference.
Q: What is the MICR code and when is it needed?
A: MICR (Magnetic Ink Character Recognition) code is used mainly for cheque clearing. The MICR for this branch is 800811002. You don’t usually need MICR for online transfers, but it helps in paper cheque processing and bank reconciliations.
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.