Bihar Gramin Bank Habidih IFSC Code

Habidih branch of Bihar Gramin Bank is located in Darbhanga district, Bihar (PIN 847002). This branch serves local residents and businesses in and around Habidih. For electronic fund transfers such as NEFT, RTGS and IMPS you must provide the correct IFSC code. The IFSC uniquely identifies the bank and branch and ensures funds route to the right account quickly and securely.

Branch Details

Merger Update

Important: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged into a unified entity sponsored by Punjab National Bank. After the merger, the combined rural bank branches now use the single IFSC code PUNB0MBGB06 for electronic transfers. Old UBGB IFSC codes have been revoked and will not work for NEFT/RTGS/IMPS. Always use the new IFSC PUNB0MBGB06 for transactions to this area.

What is IFSC Code?

The IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to identify bank branches in electronic fund transfers. The structure is:

• First 4 characters: Bank identifier (alphabetic). Example: PUNB = Punjab National Bank.
• 5th character: Reserved and is always 0.
• Last 6 characters: Branch identifier (alphanumeric). Example: MBGB06 in PUNB0MBGB06.

So PUNB0MBGB06 breaks down as PUNB | 0 | MBGB06.

How to Use IFSC Code

• Open your bank app or netbanking and go to the funds transfer or beneficiary section.
• Choose the transfer type: NEFT, RTGS or IMPS. (RTGS typically for high-value payments; NEFT/IMPS for others.)
• Enter beneficiary name, account number and the IFSC: PUNB0MBGB06. Double-check spelling and characters.
• Fill in the amount and purpose. For NEFT/RTGS, select the appropriate transfer timing and charges if any.
• Verify details, send OTP or approve using your bank’s authentication method.
• Keep the transaction reference for tracking. Confirm with the payee if funds are received.

Benefits of Knowing the IFSC Code

• Ensures accurate routing of electronic payments (NEFT, RTGS, IMPS).
• Reduces failed or delayed transfers due to wrong branch identification.
• Speeds up KYC-linked payments like subsidies, salaries, and supplier payments.
• Makes it simple to add beneficiaries in internet and mobile banking.
• Helps customer service quickly identify branch details for query resolution.

Contact

Branch Phone: 9297955092

Branch Address: Habidih, DARBHANGA, 847002

Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR

Toll Free No: 18001807777

FAQs

• Q: Can I use PUNB0MBGB06 for IMPS?

  A: Yes. The IFSC PUNB0MBGB06 is valid for NEFT, RTGS and IMPS transfers to this branch.

• Q: What if I enter an incorrect IFSC?

  A: If the IFSC does not match the account number and bank, the transaction will usually fail and be reversed. In rare cases of a matching but wrong branch, funds could reach an unintended branch. Always verify the IFSC and account number before confirming.

• Q: How do I confirm this IFSC on a cheque or passbook?

  A: The IFSC is not printed on all cheques. Check the bank’s cheque book, passbook, or the branch counter. You can also confirm by calling the branch at 9297955092 or the bank’s toll-free number 18001807777.

• Q: My old UBGB IFSC was different. Will transfers still work?

  A: No. Old UBGB IFSC codes have been revoked after the merger. Use the new IFSC PUNB0MBGB06 for all electronic transfers to these merged branches.

• Q: What is the MICR code used for?

  A: MICR (Magnetic Ink Character Recognition) code like 800811002 is used mainly for cheque-processing by clearing houses. It is not required for NEFT/RTGS/IMPS.

Kriti Kumari

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.