Bihar Gramin Bank, Chanour branch is located in Chanour, Darbhanga district, Bihar (PIN 847422). This branch serves local residents and businesses in and around Darbhanga. For electronic fund transfers—NEFT, RTGS and IMPS—linking the correct IFSC code to the beneficiary account is essential. The IFSC identifies the bank and branch so transfers route correctly and settle without delay.
Branch Details Table
| Bank Name | Bihar Gramin Bank |
| Branch Name | Chanour |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100479 |
| Branch Address | Chanour, DARBHANGA, 847422, 9297955085 |
| Contact Number | 9297955085 |
| City | DARBHANGA |
| District | DARBHANGA |
| Reason | DARBHANGA |
| Pincode | 847422 |
| State | Bihar |
Merger Update
Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been consolidated under Punjab National Bank for banking operations in this region. As a result, the Chanour branch now uses the single IFSC code PUNB0MBGB06 under Punjab National Bank. All older UBGB/DBGB IFSC codes have been revoked. Only the new IFSC PUNB0MBGB06 is valid for NEFT, RTGS and IMPS transactions. If you have standing instructions or saved beneficiaries that used an old UBGB/DBGB IFSC, update them immediately with the new code to avoid failed transfers.
What is IFSC Code?
IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code used to uniquely identify a bank branch for electronic transfers. The structure is:
- First 4 characters — bank identifier (example: PUNB for Punjab National Bank).
- 5th character — reserved and is always 0.
- Last 6 characters — branch identifier (example: MBGB06 in PUNB0MBGB06).
Example: In PUNB0MBGB06, “PUNB” is the bank code, “0” is reserved, and “MBGB06” refers to the Chanour branch mapping under PNB’s coding.
How to Use IFSC Code (NEFT / RTGS / IMPS)
- Open your bank’s online banking, mobile app or visit a branch for a paper form.
- Choose the transfer type: NEFT (batch), RTGS (real-time for high value), or IMPS (instant, 24×7 small value).
- Add beneficiary details: beneficiary name, account number, and IFSC PUNB0MBGB06. Double-check spelling and digits.
- Verify account number by asking the beneficiary to confirm the last 4 digits or by using a cancelled cheque or passbook entry.
- Enter amount and purpose. For RTGS, ensure amount meets your bank’s minimum RTGS limit (varies by bank).
- Authenticate the transaction using OTP, UPI PIN, or netbanking token as required by your bank.
- Save the beneficiary only after verification. For recurring payments, test with a small amount first.
Benefits of Knowing the IFSC
- Ensures funds route to the correct branch for NEFT, RTGS and IMPS.
- Prevents failed transfers and chargebacks caused by wrong routing.
- Makes it simple to add beneficiaries in netbanking or mobile apps.
- Needed for online bill payments, merchant settlements and salary credits.
- Helps banks reconcile and track transactions using branch-level codes like MICR and branch code (100479).
Contact
Branch Phone: 9297955085
Branch Address: Chanour, DARBHANGA, 847422
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll Free: 18001807777
FAQs
Q: Is PUNB0MBGB06 case-sensitive?
A: IFSC is not case-sensitive in practice, but it is standard to use uppercase: PUNB0MBGB06.
Q: Can I use the old UBGB or DBGB IFSC for transfers?
A: No. Old UBGB/DBGB IFSCs have been revoked. Use only PUNB0MBGB06 for transfers to the Chanour branch.
Q: Where can I find and verify the IFSC before sending money?
A: Verify the IFSC on the beneficiary’s cheque leaf, bank passbook, account statement or by calling the branch at 9297955085. Also confirm during beneficiary add flow in your bank’s app.
Q: What if I enter the wrong IFSC but correct account number?
A: Most systems use both IFSC and account number. If the IFSC points to a different bank/branch, transfers may fail or be returned. If both match to a valid account, the transfer may succeed. Always verify both details.
Q: Does the MICR code matter for NEFT/IMPS/RTGS?
A: MICR (800811002) is used primarily for cheque clearing. For electronic transfers, IFSC is the required identifier. Include MICR only for cheque processing or when explicitly requested.
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.