Bihar Gramin Bank Lakhaura IFSC Code

The Bihar Gramin Bank Lakhaura branch is located in Lakhaura village, East Champaran district, Bihar (PIN 845302). This IFSC code page helps customers and remitters confirm the correct code before sending money. An accurate IFSC is required for electronic fund transfers — NEFT, RTGS and IMPS — so that the payment routes to the exact bank and branch without delay or return.

Branch Details Table

Merger Update

Important: The regional rural banks Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been restructured under Punjab National Bank sponsorship and now operate as a unified Bihar Gramin Bank branch network. All legacy UBGB and DBGB IFSC codes have been revoked. For Lakhaura branch transactions use the single valid IFSC: PUNB0MBGB06. Old UBGB/DBGB IFSCs are no longer valid and should not be used for NEFT/RTGS/IMPS.

What is IFSC Code?

The IFSC is an 11-character code that identifies a bank branch in electronic payment systems. Its structure is fixed:

• 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 identifies the specific Bihar Gramin Bank branch under PNB).

How to Use IFSC Code

Use the IFSC when adding a beneficiary in internet banking, mobile app or at a bank branch. Steps:

• Open your bank’s transfer page (NEFT / RTGS / IMPS).
• Choose the transfer type: NEFT, RTGS (for high-value payments) or IMPS (instant, usually 24×7).
• Enter beneficiary name and account number exactly as on their bank records.
• Enter IFSC: PUNB0MBGB06. The system uses this to route to Bihar Gramin Bank, Lakhaura branch.
• Enter amount and purpose. Double-check the IFSC and account number before confirming.
• Authenticate the transaction (OTP/token). Save or note the transaction reference for tracking.

Note: Some banks impose limits and cut-off times for NEFT/RTGS. IMPS is typically instant and available round-the-clock, while NEFT/RTGS settlement timing can vary by bank policy.

Benefits of Knowing the Correct IFSC

• Ensures funds reach the exact branch and account without returns.
• Speeds up electronic transfers (fewer rejections and manual corrections).
• Useful for salary credits, vendor payments, government receipts and refunds.
• Helps customer support trace and resolve failed or delayed transactions.
• Prevents frauds caused by entering wrong bank/branch details.

Contact

Branch phone: 9297954662

Branch address: Lakhaura, EAST CHAMPARAN, 845302

Head office address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR

Toll free: 18001807777

FAQs

• Q: Can I use the old UBGB or DBGB IFSC for transfers to Lakhaura?

  A: No. Old UBGB/DBGB IFSC codes have been revoked after the merger. Use the current IFSC PUNB0MBGB06 for all electronic transfers.

• Q: What if I enter the wrong IFSC but correct account number?

  A: Most systems route by IFSC + account number. If IFSC mismatches the bank/branch mapping, the transfer may be rejected or delayed. Always confirm both before sending.

• Q: Which transfer method should I choose — NEFT, RTGS, or IMPS?

  A: IMPS is instant and available 24×7 for small to medium amounts. RTGS is intended for high-value payments (banks often set a higher minimum). NEFT is suitable for regular transfers; availability and settlement timing depend on bank policies.

• Q: How can I confirm the beneficiary name matches the account number?

  A: After entering details, many banks display a partial beneficiary name to confirm before final submission. If unsure, ask the beneficiary to provide an account confirmation letter or verify via the bank branch.

• Q: Who do I contact if a transfer to PUNB0MBGB06 fails?

  A: First check the transaction reference with your bank. Then contact the Lakhaura branch at 9297954662 or call the head office/toll-free 18001807777 for escalation and tracing.

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.