Bihar Gramin Bank, Barharwa Kalan branch is located in Barharwa Kalan village in East Champaran district of Bihar (pincode 845437). This branch serves local residents and small businesses around Motihari and nearby villages. When you send or receive electronic fund transfers (NEFT, RTGS, IMPS) the correct IFSC code ensures the payment routes to the exact branch and account. A wrong or missing IFSC can delay the transfer, cause return of funds, or require manual intervention by banks.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Barharwa Kalan |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 108080 |
| Branch Address | Barharwa Kalan, EAST CHAMPARAN, 845437, 9297954609 |
| Contact Number | 9297954609 |
| City | EAST CHAMPARAN |
| District | EAST CHAMPARAN Reason: MOTIHARI |
| Pincode | 845437 |
| State | Bihar |
Merger Update
Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) were merged and their branches now operate under a consolidated arrangement. Transactions for branches that earlier belonged to UBGB or DBGB must use the unified IFSC PUNB0MBGB06, which is now under Punjab National Bank. Old UBGB and DBGB IFSC codes have been revoked. Only the new IFSC code PUNB0MBGB06 is valid for NEFT, RTGS and IMPS transfers. If you still have an old IFSC saved, update it before initiating any transfer.
What is IFSC Code?
The IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to identify bank branches in electronic payment systems. Its structure is:
- First 4 characters: bank identifier (for example, PUNB = Punjab National Bank).
- 5th character: always zero (0)—reserved for future use.
- Last 6 characters: branch identifier. This part can be numeric or alphanumeric and uniquely points to the branch within the bank.
Example: In PUNB0MBGB06, PUNB is the bank, 0 is the reserved character, and MBGB06 identifies the specific branch. Note that the branch’s internal numeric code (for example 108080) may differ from these last 6 characters because banks use their own encoding.
How to Use IFSC Code
Follow these steps when sending money via NEFT, RTGS or IMPS:
- Open your bank’s internet banking, mobile app or visit the branch.
- Choose the transfer type: NEFT (any amount), RTGS (usually for transfers of Rs. 2,00,000 and above), or IMPS (instant, available 24×7 for lower-value transfers).
- Select “Add New Beneficiary” or “Fund Transfer” and enter beneficiary details: name, account number, and IFSC (PUNB0MBGB06 for Barharwa Kalan).
- Confirm the branch name and account number. Mismatched account number or name can still route funds incorrectly even if IFSC is right, so verify both.
- Save the beneficiary. For internet/mobile banking, you will typically receive an OTP (one-time password) to authorize adding the beneficiary.
- Initiate the transfer, enter the amount, and authenticate the transaction (OTP, token or login credentials as required).
- For IMPS, some banks allow transfer using MMID/mobile + MMID. If you are using account+IFSC, IMPS works similarly to NEFT/RTGS but completes instantly.
Tip: For large or first-time transfers, send a small test amount (e.g., Rs. 10–100) to confirm details before sending the full sum.
Benefits of Knowing the IFSC
- Accurate routing: Ensures funds go to the correct branch and account without manual intervention.
- Faster settlement: Correct IFSC speeds up processing in NEFT, RTGS and IMPS systems.
- Reduced errors: Less chance of returns or failed transfers due to wrong branch selection.
- Useful for documentation: Needed for online forms, salary mandates, vendor payments and tax refunds.
- Helps banks reconcile: MICR and IFSC help the receiving bank match transactions to accounts quickly.
Contact
Branch phone no: 9297954609
Branch Address: Barharwa Kalan, EAST CHAMPARAN, 845437
Head office address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777
FAQs
Q: What is the IFSC code for Bihar Gramin Bank, Barharwa Kalan?
A: The IFSC code is PUNB0MBGB06. Use this for NEFT, RTGS and IMPS transfers to this branch.
Q: Can I use this IFSC for IMPS and RTGS as well?
A: Yes. The same IFSC (PUNB0MBGB06) is valid for NEFT, RTGS and IMPS. Choose the transfer mode based on amount and urgency: IMPS is instant, NEFT for general transfers, RTGS for high-value (typically Rs. 2 lakh and above).
Q: I have an old UBGB IFSC saved. Is it still valid?
A: No. Old UBGB and DBGB IFSC codes have been revoked after the merger. You must use the new consolidated IFSC PUNB0MBGB06 for successful transactions.
Q: What happens if I enter a wrong IFSC?
A: If the IFSC is incorrect but still valid for another branch, funds may go to the wrong branch and will need manual retrieval—this can take days. If the IFSC is invalid, the transaction will likely be rejected and funds returned to the sender’s account. Always double-check the IFSC and account number before confirming.
Q: How can I verify the IFSC before sending money?
A: Verify IFSC from a recent cheque leaf, passbook, bank branch notice, or the bank’s customer care. You can also confirm with the beneficiary directly. For this branch, confirm the IFSC as PUNB0MBGB06 and contact the branch at 9297954609 if in doubt.
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.