The Bihar Gramin Bank branch at Areraj (East Champaran) uses IFSC code PUNB0MBGB06 for electronic fund transfers. This code is essential for routing payments through NEFT, RTGS and IMPS. Entering the correct IFSC ensures money reaches the exact bank branch quickly and without manual intervention. Wrong or missing IFSC can delay payments or return funds to the sender.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Areraj |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100209 |
| Branch Address | Areraj, EAST CHAMPARAN, 845411, 9297954604 |
| Contact Number | 9297954604 |
| City | EAST CHAMPARAN |
| District | EAST CHAMPARAN |
| Reason | MOTIHARI |
| Pincode | 845411 |
| State | Bihar |
Merger Update
Background: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged into Punjab National Bank’s regional operations for Bihar Gramin Bank branches. The merged branches now use a single IFSC code pattern under PNB.
Important: The Areraj branch uses IFSC PUNB0MBGB06. Old UBGB or DBGB IFSC codes have been revoked. Do not use old IFSC codes for NEFT/RTGS/IMPS. Only the new IFSC PUNB0MBGB06 is valid for transactions to this branch.
What is IFSC Code?
IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code used to identify bank branches for electronic transfers.
- First 4 characters: Alphabetic bank identifier (example: PUNB = Punjab National Bank).
- 5th character: Always the numeral ‘0’ (reserved for future use).
- Last 6 characters: Alphanumeric branch identifier (example: MBGB06 identifies the specific branch/region).
So, in PUNB0MBGB06: PUNB = bank, 0 = reserved, MBGB06 = branch code within the bank system.
How to Use IFSC Code for NEFT, RTGS, IMPS
Follow these steps to send money to the Areraj branch using online or mobile banking:
- Log in to your bank’s netbanking or mobile banking app.
- Choose the transfer type: NEFT, RTGS or IMPS. (IMPS is instant and 24×7; NEFT and RTGS are also available 24×7 as per RBI rules.)
- Select “Add Beneficiary” or “Add Recipient”.
- Enter beneficiary name, account number, and IFSC: PUNB0MBGB06. Include branch name: Areraj, East Champaran.
- Verify MICR 800811002 and branch code 100209 if prompted by your bank’s form.
- Submit and complete any beneficiary verification steps (OTP or bank approval). This may take a few minutes to a few hours depending on the bank.
- Initiate the transfer and keep the transaction reference for tracking.
Tips: Use RTGS for high-value transfers (generally ₹2,00,000 and above). NEFT has no minimum. IMPS limits are set by individual banks—confirm your bank’s cap for immediate transfers.
Benefits of Knowing the IFSC
- Accurate routing: Ensures funds go to the exact branch and account without manual intervention.
- Faster settlement: Proper IFSC reduces processing delays and returns.
- Better verification: Matches branch details in online forms and reduces errors.
- Useful for bulk and automated payments: Payrolls, vendor payments, and refunds need correct IFSCs.
- Required for NEFT/RTGS/IMPS and many online payment forms and banking portals.
Contact
Branch Phone: 9297954604
Branch Address: Areraj, EAST CHAMPARAN, 845411
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll Free: 18001807777
FAQs
Q: What is the IFSC for Bihar Gramin Bank Areraj?
A: The IFSC is PUNB0MBGB06. Use this for NEFT, RTGS and IMPS transfers.
Q: Can I use the old UBGB or DBGB IFSC codes for this branch?
A: No. Old UBGB/DBGB IFSC codes have been revoked after the merger. Only PUNB0MBGB06 is valid now.
Q: How do I verify this IFSC before sending money?
A: Verify on the bank cheque leaf or passbook where printed, confirm with the branch phone number (9297954604), or check your bank’s beneficiary form which shows the final confirmed IFSC. Always cross-check account number and name too.
Q: How long do transfers take to reach this branch?
A: IMPS is instant (seconds) subject to bank limits. NEFT and RTGS are effectively 24×7 now; transfers typically settle within minutes to a few hours. RTGS is used for high-value same-day settlement, generally for transfers ≥ ₹2,00,000. Actual time depends on your sending bank’s processing.
Q: What should I do if I entered a wrong IFSC?
A: If the IFSC does not match the account number, most systems either reject the transaction or return the money to sender. Contact your bank immediately with the transaction reference. If funds were misrouted due to matching IFSC and wrong account number, recovery requires cooperation from the beneficiary bank and may take time.
If you need help confirming details before a transaction, call the Areraj branch at 9297954604 or the toll-free number 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.