Haraj Nurralahpur is a branch of Bihar Gramin Bank in East Champaran district, Bihar (Pincode 845418). This branch serves local residents and businesses for deposits, withdrawals, and remittances. For electronic fund transfers such as NEFT, RTGS and IMPS, the IFSC code is essential. The IFSC tells the sending bank exactly which bank and branch will receive the funds. Using the correct IFSC avoids delays, failed transfers, or routing to the wrong branch.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Haraj Nurralahpur |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 108076 |
| Branch Address | Haraj Nurralahpur, EAST CHAMPARAN, 845418, 9297954642 |
| Contact Number | 9297954642 |
| City | EAST CHAMPARAN |
| District | EAST CHAMPARAN |
| Reason | MOTIHARI |
| Pincode | 845418 |
| State | Bihar |
Merger Update
Bihar Gramin Bank branches previously operating under Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB) are now consolidated under Punjab National Bank’s single IFSC code PUNB0MBGB06. Old UBGB and DBGB IFSC codes have been revoked. For any electronic transfer to Haraj Nurralahpur or other merged branches, use only the new IFSC PUNB0MBGB06. Transactions made using old IFSC codes will not be processed.
What is an IFSC Code?
IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code used to uniquely identify a bank branch in electronic payments.
- First 4 characters: Bank identifier. Example: PUNB = Punjab National Bank.
- 5th character: Always the digit 0 (reserved for future use).
- Last 6 characters: Branch identifier. Example: MBGB06 identifies the specific branch after the merger.
So, in PUNB0MBGB06: PUNB = bank, 0 = reserved, MBGB06 = branch code.
How to Use IFSC Code for NEFT, RTGS, IMPS
Follow these steps when making an electronic transfer:
- Collect beneficiary details: name, account number, bank name, branch name, IFSC (PUNB0MBGB06), and MICR if asked (800811002).
- Open your bank’s netbanking, mobile app, or visit a branch counter.
- Select transfer type:
- IMPS — instant, available 24×7 for small to medium amounts.
- NEFT — used for most retail transfers; available round‑the‑clock in recent setups.
- RTGS — for high‑value transfers (typically ₹2,00,000 and above); confirm your bank’s RTGS limits and timings.
- Enter beneficiary name and account number exactly as provided. Paste or type the IFSC PUNB0MBGB06 into the IFSC field.
- Enter amount and purpose. Check any transfer charges and limits shown by your bank.
- Verify all details on the confirmation screen. A mismatch in IFSC or account number can cause rejections or routing errors.
- Authorize the transaction using OTP/MPIN or other authentication your bank requires.
- Save the transaction reference number. Use it to track or to report issues.
Benefits of Knowing the IFSC
- Ensures funds reach the exact branch and account without manual routing.
- Speeds up electronic transfers and reduces failed transactions.
- Required for online payments, salary credits, vendor payments, and government transfers.
- Helps validate beneficiary details before sending money.
- Useful for automated setups like ECS mandates and standing instructions.
Contact
Branch Phone No: 9297954642
Branch Address: Haraj Nurralahpur, EAST CHAMPARAN, 845418
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll Free No: 18001807777
FAQs
Q: Is PUNB0MBGB06 the only valid IFSC for Haraj Nurralahpur?
A: Yes. After the merger into Punjab National Bank’s system, PUNB0MBGB06 is the valid IFSC. Old UBGB/DBGB codes have been revoked.
Q: What happens if I enter a wrong IFSC but correct account number?
A: Banks route primarily by IFSC. A wrong IFSC can route the payment to another branch or fail. If the account number and IFSC mismatch, the transaction may be rejected or delayed. Always verify both.
Q: What is the difference between IFSC and MICR?
A: IFSC (11 characters) is used for electronic transfers (NEFT/RTGS/IMPS). MICR (9 digits, here 800811002) is used mainly to speed up cheque processing through the clearing system. MICR does not replace IFSC for online transfers.
Q: Can I use IFSC for mobile UPI transfers?
A: UPI uses virtual payment addresses (VPAs) and does not require IFSC for peer‑to‑peer transfers. However, IFSC is needed when adding a bank account for certain UPI app setups or linking for bank‑to‑bank transfers.
Q: How do I confirm this IFSC before making a large transfer?
A: Confirm via one or more sources: the beneficiary’s bank passbook, cheque leaf, the branch contact (9297954642), or the bank’s official customer service. When in doubt, do a small test transfer first.
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.