Haflaganj is a branch location in Katihar district, Bihar (PIN 854103). This branch serves local customers for deposits, withdrawals, and inward/outward transfers. For electronic fund transfers such as NEFT, RTGS and IMPS, the IFSC code identifies the exact bank and branch. Using the correct IFSC ensures funds reach the intended account quickly and without routing errors.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Haflaganj |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100739 |
| Branch Address | Haflaganj., KATIHAR, 854103, 9297954189 |
| Contact Number | 9297954189 |
| City | KATIHAR |
| District | KATIHAR |
| Reason | PURNEA |
| Pincode | 854103 |
| State | Bihar |
Merger Update
Note: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged into a single structure under Punjab National Bank. As part of that consolidation, the unified IFSC code in use is PUNB0MBGB06. Old UBGB and DBGB IFSC codes have been revoked. For any electronic transfer to branches covered by those banks, use only the new IFSC PUNB0MBGB06. Transactions submitted with revoked IFSCs will fail or be delayed.
What is IFSC Code?
IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code used to route electronic payments to specific bank branches in India. The structure is:
- First 4 characters — bank identifier (example: PUNB for Punjab National Bank).
- 5th character — reserved and is always 0.
- Last 6 characters — branch identifier (alphanumeric). Example: in PUNB0MBGB06, the last 6 characters are MBGB06, which point to the Haflaganj branch.
How to Use IFSC Code (NEFT / RTGS / IMPS)
- Collect details: beneficiary name, bank name, account number and IFSC (PUNB0MBGB06 for Haflaganj).
- Add beneficiary: in netbanking or mobile banking, go to Fund Transfer → Add Beneficiary. Enter name, account number and IFSC. Some banks ask for branch name also.
- Verification: banks often send an OTP or take 30 minutes to activate a newly added beneficiary. Do not rush the first transfer until activation completes.
- Select transfer type: choose IMPS for instant small-value transfers, NEFT for routine transfers, RTGS for high-value same-day transfers. Note: RTGS is typically used for high-value transfers (many banks expect a minimum around ₹2 lakh; check your bank’s limit).
- Enter amount and purpose: input the amount, subject/narration if required, and confirm details. Verify account number and IFSC carefully—mistakes cause delays or returns.
- Confirm and keep receipt: save the transaction reference or UTR. Use it to track or resolve failed transactions.
Benefits of Knowing the IFSC
- Directs funds to the exact branch. This avoids manual routing or branch-level confusion.
- Required field for NEFT, RTGS and IMPS transfers. Without it the platform may reject the transfer.
- Speeds up reconciliation. UTR numbers and correct IFSC help customer service locate transfers faster.
- Reduces risk of failed transfers or sending money to the wrong branch or bank.
- Useful for setting up standing instructions, salary credits and vendor payments accurately.
Contact
Branch phone no: 9297954189
Branch Address: Haflaganj., KATIHAR, 854103
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free: 18001807777
FAQs
Q: Is PUNB0MBGB06 the only IFSC I should use for Haflaganj?
A: Yes. Use PUNB0MBGB06 for electronic transfers to the Haflaganj branch. If the branch was earlier listed under UBGB or DBGB, those old IFSCs are no longer valid.
Q: What happens if I enter the wrong IFSC but the correct account number?
A: Banks use IFSC to route to a branch and account number to credit the account. If the IFSC points to a different bank/branch, the transfer can fail or be returned. Always double-check both IFSC and account number.
Q: How long does a NEFT or RTGS transfer to this branch take?
A: NEFT and RTGS are generally processed quickly; both systems operate round-the-clock. RTGS is for higher value transfers and is near-instant between banks. NEFT is also typically settled promptly. Actual credit time depends on the remitting bank’s validation and cut-offs. Keep the UTR/reference for tracking.
Q: Can I use this IFSC for inward remittances from abroad?
A: For inward foreign remittance, banks usually require SWIFT/BIC and additional beneficiary details. IFSC is used for domestic routing. Contact the branch for the correct SWIFT details if you expect an international wire.
Q: How do I verify an IFSC before making a transfer?
A: Verify the IFSC from your beneficiary’s bank statement, a cheque leaf, or by calling the branch at 9297954189. Confirm the branch address and account number before initiating the transfer.
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.