Harpur branch of Bihar Gramin Bank is located in Harpur village, Khagaria district, Bihar (PIN 848203). This branch serves local retail and agricultural customers in and around Khagaria. For electronic fund transfers, the correct IFSC code is essential. The IFSC identifies the specific bank and branch for NEFT, RTGS and IMPS transactions. Using the right IFSC ensures funds are routed quickly and accurately to the intended account.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Harpur |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 3509 |
| Branch Address | Harpur, Khagaria, 848203, 8102918674 |
| Contact Number | 8102918674 |
| City | Khagaria |
| District | Khagaria |
| Reason | BEGUSARAI |
| Pincode | 848203 |
| State | Bihar |
Merger Update
Important: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) were merged and their operations are now consolidated under Punjab National Bank (PNB). This Harpur branch operates with the IFSC PUNB0MBGB06. All old UBGB and DBGB IFSC codes have been revoked. Only the new IFSC code PUNB0MBGB06 is valid for NEFT, RTGS and IMPS transactions. Do not use legacy UBGB/DBGB IFSC codes—they will not work.
What is IFSC Code?
The Indian Financial System Code (IFSC) is an 11-character alphanumeric code used to identify bank branches in electronic fund transfers. The format is fixed:
- First 4 characters: bank identifier (letters). Example: PUNB = Punjab National Bank.
- 5th character: reserved and is always 0 (zero).
- Last 6 characters: branch identifier (alphanumeric). In PUNB0MBGB06, the last six are MBGB06, which pinpoint this Harpur branch under PNB’s mapping.
How to Use IFSC Code (NEFT, RTGS, IMPS)
Follow these steps when sending money from internet banking or mobile app:
- Log in to your bank’s internet banking or mobile app.
- Choose the transfer type (NEFT / RTGS / IMPS). Note: RTGS has a higher minimum amount (usually ₹2,00,000). NEFT and IMPS do not have that minimum but check bank limits.
- Select “Add Beneficiary” or “New Payee”.
- Enter beneficiary name, account number and the IFSC PUNB0MBGB06 exactly as shown.
- Double-check MICR or branch details if prompted (MICR: 800811002, Branch code: 3509).
- Confirm and approve the beneficiary (many banks require an OTP or waiting period for first-time payees).
- Initiate the transfer, enter amount and purpose, and authorize with OTP/transaction password.
- Save transaction reference for future tracking.
Tips: Copy–paste the IFSC to avoid typos. Verify beneficiary details with the recipient before transferring large sums.
Benefits of Knowing the IFSC
- Ensures funds are routed to the correct bank branch for NEFT, RTGS and IMPS.
- Speeds up processing—correct IFSC reduces failed or returned transactions.
- Required to add beneficiaries in internet and mobile banking.
- Helps customer service and reconciliation when tracking transaction status.
- Prevents delays when banks merge or change branch identifiers; using the updated IFSC keeps transfers working.
Contact
Branch Phone: 8102918674
Branch Address: Harpur, Khagaria, 848203
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll Free Number: 18001807777
FAQs
Q: Is PUNB0MBGB06 the only valid IFSC for Harpur now?
A: Yes. After the consolidation under Punjab National Bank, the valid IFSC for this branch is PUNB0MBGB06. Old UBGB/DBGB IFSCs have been revoked.
Q: What happens if I enter the wrong IFSC?
A: If the IFSC is incorrect, the transfer can fail or be delayed. In some cases, if the wrong IFSC points to a different branch and the account number matches an existing account there, funds could be credited to the wrong account. Banks will then need to investigate and recover funds. Always verify IFSC and account number before sending money.
Q: How long do NEFT, RTGS and IMPS transfers take?
A: IMPS is typically instant and available 24×7. NEFT and RTGS are also available round-the-clock for most banks now, but settlement timing can vary by bank and cut-off policies. RTGS is used for large-value transfers and is usually instant or near-instant.
Q: How can I confirm this IFSC for the Harpur branch?
A: Confirm by checking the branch passbook, cheque leaf, or by calling the branch at 8102918674. You can also verify with the bank’s customer service or head office at the toll-free number 18001807777.
Q: What is the difference between IFSC and MICR?
A: IFSC is used for electronic transfers (NEFT/RTGS/IMPS). MICR (Magnetic Ink Character Recognition) is a 9-digit code used mainly by the clearing system to speed up cheque processing. Example here: IFSC PUNB0MBGB06, MICR 800811002.
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.