The Bihar Gramin Bank, More branch is located in More, Darbhanga district, Bihar (pin code 847106). This branch serves local residents and businesses for deposits, withdrawals, and transfers. For electronic fund transfers—NEFT, RTGS and IMPS—the branch’s IFSC code is essential. The IFSC uniquely identifies the bank and branch in the payment network. Using the correct IFSC ensures funds route to the intended account and avoids delays or reversals.
Branch Details Table
| Bank Name | Bihar Gramin Bank |
| Branch Name | More |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100449 |
| Branch Address | More, DARBHANGA, 847106, 9297955128 |
| Contact Number | 9297955128 |
| City | DARBHANGA |
| District | DARBHANGA |
| Reason | DARBHANGA |
| Pincode | 847106 |
| State | Bihar |
Merger Update
The regional rural banks Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) were restructured and consolidated under Punjab National Bank sponsorship. As a result, IFSC codes issued to the old UBGB/DBGB branches have been revoked. All transactions for the consolidated network now use the single IFSC code PUNB0MBGB06 (Punjab National Bank format) for this branch. Do not use old UBGB or DBGB IFSC codes; they are no longer valid for NEFT, RTGS or IMPS.
What is IFSC Code?
The Indian Financial System Code (IFSC) is an 11-character alphanumeric code used to identify a bank branch in electronic payment systems. The structure is:
- First 4 characters: Bank identifier (example: PUNB = Punjab National Bank).
- 5th character: Always 0 (reserved for future use).
- Last 6 characters: Branch identifier (alphanumeric). In this case: MBGB06 represents the consolidated branch code mapping to More branch.
How to Use IFSC Code
Use the IFSC when adding a beneficiary for NEFT, RTGS or IMPS. Basic steps:
- Open your bank’s mobile app or internet banking and choose fund transfer or add beneficiary.
- Enter beneficiary name and account number exactly as provided by the account holder.
- Enter the IFSC: PUNB0MBGB06. Double-check for typos.
- Save the beneficiary. Your bank may require additional authentication (OTP) or a cooling period before you can transfer funds to a newly added beneficiary.
- Select transfer type: IMPS for instant transfers (available 24×7), NEFT for electronic transfers (available 24×7 in hourly batches), RTGS for high-value payments (generally for amounts >= Rs. 2 lakh; availability depends on bank). Follow prompts to enter amount and confirm.
- Keep receipt or transaction reference for tracking. Use the reference to query the bank if funds are delayed.
Benefits of Knowing the IFSC
- Accurate routing: Ensures funds reach the correct bank branch.
- Faster processing: Correct IFSC reduces chances of returns and delays.
- Required for all electronic transfers: NEFT, RTGS, IMPS and many third-party bill payment services need it.
- Helps verify branch identity: Combined with MICR and branch code it confirms the exact branch.
- Useful for cross-checking when accepting payments from employers, clients, or government schemes.
Contact
Branch phone no: 9297955128
Branch Address: More, DARBHANGA, 847106
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777
FAQs
Q: Is PUNB0MBGB06 the only IFSC I should use for this branch?
A: Yes. PUNB0MBGB06 is the valid IFSC for the consolidated Bihar Gramin Bank branches under Punjab National Bank sponsorship. Old UBGB/DBGB IFSCs are revoked and should not be used.
Q: What happens if I enter a wrong IFSC?
A: If the IFSC does not match the account number, the payment will likely be rejected or returned to the sender. In some rare cases, the funds may route to a different branch/account if account number and IFSC combination matches another account; this requires bank intervention to recover funds.
Q: Which transfer method should I choose—NEFT, RTGS or IMPS?
A: Use IMPS for instant small-value transfers any time of day. Use NEFT for routine transfers (now available 24×7). Use RTGS for high-value immediate transfers (typically for amounts of Rs. 2 lakh and above). Check your bank’s specific cutoffs and charges.
Q: How do I verify the IFSC before sending money?
A: Verify the IFSC from the beneficiary’s passbook, cheque leaf, or the branch details table above. You can also confirm by calling the branch at 9297955128 or by asking the beneficiary for a bank-issued confirmation.
Q: Are there fees or limits for NEFT/RTGS/IMPS?
A: Fees and limits vary by sending bank and account type. Many banks have reduced or waived NEFT/IMPS fees for retail customers. RTGS is typically used for large amounts and may carry higher fees. Check with your bank for exact charges and daily limits.
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.