Mishir Batraha is a rural branch located in Gopalganj district of Bihar (pincode 841438). For sending or receiving electronic funds (NEFT, RTGS, IMPS), the branch IFSC is required to route payments correctly through bank and clearing networks. Using the correct IFSC ensures the payment reaches the intended branch without delays or return charges.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Mishir Batraha |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100496 |
| Branch Address | Mishir Batraha, GOPALGANJ, 841438, 9297954556 |
| Contact Number | 9297954556 |
| City | GOPALGANJ |
| District | GOPALGANJ |
| Reason | GOPALGANJ |
| Pincode | 841438 |
| State | Bihar |
Merger Update
Note on regional bank mergers: if this branch previously belonged to Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB), both banks have been merged into Punjab National Bank for the purpose of electronic clearing. The consolidated IFSC in use for these merged entities is PUNB0MBGB06. Old UBGB/DBGB IFSC codes have been revoked and are no longer valid for NEFT/RTGS/IMPS. Always use the current IFSC (PUNB0MBGB06) for transfers to this branch to avoid failed or returned transactions.
What is an IFSC Code?
IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code used to identify bank branches in electronic payment systems.
- First 4 characters — identify the bank (e.g., “PUNB” = Punjab National Bank).
- 5th character — always the digit “0” (reserved for future use).
- Last 6 characters — identify the specific branch (alphanumeric).
Example: PUNB0MBGB06 breaks down as PUNB (bank) + 0 (reserved) + MBGB06 (branch identifier).
How to Use IFSC Code (NEFT, RTGS, IMPS)
Follow these steps when initiating a transfer from internet banking, mobile banking, or at a branch:
- Open your bank’s payment interface and choose transfer type (NEFT / RTGS / IMPS).
- Add a beneficiary: enter the beneficiary name, full account number, and the IFSC PUNB0MBGB06 for Mishir Batraha branch.
- Verify beneficiary details exactly (account number and spelling). Save the beneficiary.
- Choose the saved beneficiary, enter the amount and any remark/purpose.
- Authenticate the transaction using OTP, UPI PIN, or netbanking password as required.
- Keep the transaction reference or UTR for tracking and proof.
Practical notes:
- IMPS is immediate and available 24×7 for small to medium amounts.
- NEFT is suitable for routine electronic transfers; it is processed in hourly/continuous batches depending on bank systems.
- RTGS is intended for high-value payments (RTGS typically used for amounts above Rs. 2,00,000) and is processed in real time.
- Always verify the IFSC and account number before confirming a transfer. A wrong IFSC with a valid account number may still route incorrectly or be returned.
Benefits of Knowing the IFSC
- Ensures accurate routing of electronic payments to the correct branch.
- Reduces delays and return charges caused by incorrect branch identification.
- Required to add beneficiaries in internet and mobile banking.
- Useful for automated payments like salaries, vendor payments, and government receipts.
- Helps customer service and branches troubleshoot failed transactions using the UTR and IFSC.
Contact
Branch phone no: 9297954556
Branch Address: Mishir Batraha, GOPALGANJ, 841438
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777
FAQs
Q: Can I use an old IFSC code issued to UBGB/DBGB for transfers to this branch?
A: No. Old UBGB/DBGB IFSC codes have been revoked after consolidation. Use the current IFSC PUNB0MBGB06 for all electronic transfers to this branch.
Q: How do I confirm this IFSC before making a transfer?
A: Confirm by checking the branch passbook, visiting the branch, or contacting the branch phone number (9297954556). You can also verify with your bank’s beneficiary-add screen which typically validates IFSC formats, but always double-check with branch contact if unsure.
Q: What happens if I enter a wrong IFSC but correct account number?
A: If the IFSC does not match the bank/branch where the account exists, the transfer may be rejected or routed incorrectly and returned. Banks use both account number and IFSC to route transfers; wrong details can cause delays and possible charges.
Q: How long does a NEFT/RTGS/IMPS transfer to this branch take?
A: IMPS is immediate (seconds). RTGS is near-instant for high-value payments. NEFT timing depends on bank processing but is typically completed within a few hours; many banks now offer near real-time NEFT 24×7. Keep the UTR/transaction reference to track a transfer.
Q: Is IFSC the same as MICR?
A: No. IFSC routes electronic transfers. MICR (Magnetic Ink Character Recognition) code, such as 800811002 for this branch, is used mainly for processing physical cheques through clearing houses.
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.