Bihar Gramin Bank Ramgarhwa branch is located in Ramgarhwa village, East Champaran district, Bihar – PIN 845433. This branch serves local residents and small businesses in the Motihari area. For electronic fund transfers (NEFT, RTGS, IMPS), the branch uses a unique IFSC code. The IFSC code tells payment systems and banks exactly which bank and branch should receive the funds. Without the correct IFSC, an online transfer can fail or be routed to the wrong place.
Branch Details Table
| Bank Name | Bihar Gramin Bank |
|---|---|
| Branch Name | Ramgarhwa |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100201 |
| Branch Address | Ramgarhwa, EAST CHAMPARAN, 845433, 9297954691 |
| Contact Number | 9297954691 |
| City | EAST CHAMPARAN |
| District | EAST CHAMPARAN |
| Reason | MOTIHARI |
| Pincode | 845433 |
| State | Bihar |
Merger Update
Important: Several regional rural banks in Bihar were reorganised. If this Ramgarhwa branch previously used a code under Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB), note that both banks have been merged and now operate under Punjab National Bank’s single IFSC code PUNB0MBGB06 for transactions. Old UBGB IFSC codes have been revoked. Use only the new IFSC code PUNB0MBGB06 when initiating NEFT, RTGS or IMPS transfers to avoid failure or reversal.
What is IFSC Code?
IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code used to route electronic fund transfers in India.
- First 4 characters: Bank identifier. Example: PUNB = Punjab National Bank.
- 5th character: Always 0 (reserved for future use).
- Last 6 characters: Branch identifier. Example: MBGB06 in PUNB0MBGB06 identifies the specific branch.
How to Use IFSC Code (NEFT, RTGS, IMPS)
- Confirm the beneficiary’s account number and the IFSC code. Check a cheque book, passbook, or the branch details above.
- Log in to your bank’s netbanking, mobile app, or visit the branch. Select NEFT, RTGS or IMPS as required by the transfer speed and amount.
- Enter beneficiary name, account number, and IFSC code PUNB0MBGB06. Type carefully; a single incorrect character can misroute the payment.
- Enter the amount and any remarks. Review all details on the confirmation screen.
- Authenticate the transaction (OTP, PIN, token) and submit.
- Note the transaction reference or UTR. Use it to track the transfer or to report issues to the bank.
- If the transfer is time-sensitive, check cut-off times and processing windows: IMPS is instant, NEFT is processed in hourly/batched cycles (banks may differ), and RTGS is used for high-value, typically same-day clearing—confirm your bank’s RTGS minimum and cut-off.
Benefits of Knowing the IFSC Code
- Ensures funds are routed to the correct bank and branch.
- Makes online transfers (NEFT, RTGS, IMPS) possible and faster.
- Reduces errors and failed transactions, saving time and bank charges.
- Required for setting up beneficiary details in netbanking and payment apps.
- Helps customer support locate and track transactions using the branch identifier and UTR.
Contact
Branch Phone No: 9297954691
Branch Address: Ramgarhwa, EAST CHAMPARAN, 845433
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll Free No: 18001807777
FAQs
Q: How can I verify that PUNB0MBGB06 is the correct IFSC for Ramgarhwa?
A: Verify on the branch cheque leaf, passbook, or by calling the branch at 9297954691. You can also confirm with your remitter bank before sending funds.
Q: What happens if I enter the wrong IFSC code when transferring money?
A: If the wrong IFSC points to another valid branch, the funds may go to that branch and will likely reach the wrong account if account number also matches. If the IFSC is invalid or mismatched, the transfer will usually fail and the amount will be returned. Contact your bank immediately with the UTR to start a trace.
Q: Are IFSC codes case-sensitive?
A: No. IFSC codes are not case-sensitive, but enter them consistently in uppercase to avoid manual errors when sharing with others.
Q: What is the difference between IFSC and MICR?
A: IFSC is used for electronic transfers (NEFT/RTGS/IMPS) and is alphanumeric (11 characters). MICR (Magnetic Ink Character Recognition) is numeric and printed on cheque leaves; it speeds up cheque clearing through sorting machines. MICR is not used for electronic fund routing.
Q: My bank used to show a UBGB IFSC. Should I still use it?
A: No. Old UBGB IFSCs have been revoked after the merger. Use the current IFSC PUNB0MBGB06 for all electronic transfers to this branch. If in doubt, call the branch at 9297954691 or the head office toll-free 18001807777.
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.