The Bihar Gramin Bank, Maraiya branch is located in Maraiya village, Khagaria district, Bihar (PIN 851212). This IFSC is required when you send or receive electronic fund transfers such as NEFT, RTGS, and IMPS. The IFSC uniquely identifies the bank and branch in the payment system, so entering it correctly ensures the money reaches the intended account without delay.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Maraiya |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 3524 |
| Branch Address | Maraiya, Khagaria, 851212, 8102918689 |
| Contact Number | 8102918689 |
| City | Khagaria |
| District | Khagaria |
| Reason | BEGUSARAI |
| Pincode | 851212 |
| State | Bihar |
Merger Update
Note: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been reorganized under Punjab National Bank’s sponsored structure. They now use a single IFSC code PUNB0MBGB06 under Punjab National Bank for electronic transfers. Old UBGB and DBGB IFSC codes have been revoked. Only the new IFSC PUNB0MBGB06 is valid for NEFT, RTGS, and IMPS transactions. Always confirm the active IFSC before initiating a transfer.
What is IFSC Code?
The Indian Financial System Code (IFSC) is an 11-character alphanumeric code. It identifies the bank and the specific branch in electronic payment systems.
- First 4 characters: Bank code (letters). Example: PUNB = Punjab National Bank.
- 5th character: Reserved and usually 0.
- Last 6 characters: Branch code (alphanumeric). Example: in PUNB0MBGB06, the last 6 characters identify the Maraiya branch.
The IFSC is used by NEFT, RTGS and IMPS to route the payment to the correct bank branch. The MICR code (e.g., 800811002) is a separate 9-digit number used mainly for cheque clearing through the clearing house.
How to Use IFSC Code
- Open your bank’s online or mobile banking app or visit the bank branch.
- Select the transfer type: NEFT, RTGS or IMPS. (IMPS is immediate and available 24×7; NEFT is suitable for any amount and is also available 24×7; RTGS is used for high-value payments — many banks set a minimum of ₹2,00,000 for RTGS.)
- Choose “Add Beneficiary” and enter the beneficiary’s name, account number and the IFSC: PUNB0MBGB06.
- Verify the branch name shown by the system (Khagaria / Maraiya) before saving the beneficiary.
- Initiate the transfer: enter the amount, purpose, and confirm with your OTP or transaction PIN.
- Keep the transaction reference or UTR for tracking. If a transfer fails or is delayed, provide the UTR to your bank.
Benefits of Knowing IFSC
- Ensures funds route to the correct branch. One wrong character can delay or misroute a payment.
- Makes adding beneficiaries quick and accurate in online banking and UPI apps.
- Needed for salary, vendor payments, utility refunds and government transfers.
- Helps customer service locate and trace transactions using IFSC + account number + UTR.
- MICR and IFSC together speed up cheque clearing and electronic settlement.
Contact
Branch phone: 8102918689
Branch address: Maraiya, Khagaria, 851212
Head office address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777
FAQs
Q: Is PUNB0MBGB06 the only valid IFSC for Maraiya branch?
A: Yes. PUNB0MBGB06 is the current IFSC to be used for electronic transfers to the Maraiya branch. Any older IFSC codes from predecessor regional banks have been revoked.
Q: What happens if I enter the wrong IFSC?
A: If the IFSC does not match the account number and bank, the transaction may be rejected or returned to the sender. In some cases, funds can go to the wrong account at the same branch if the account number matches. Always verify both IFSC and account number before sending money.
Q: Can I use the MICR code for online transfers?
A: No. MICR (800811002) is used for cheque clearing and is not required for NEFT/RTGS/IMPS. For electronic transfers use the IFSC.
Q: Is NEFT/RTGS/IMPS available 24×7 for this IFSC?
A: NEFT, RTGS and IMPS systems now operate round-the-clock in India. Availability also depends on your bank’s interface. For large-value transfers choose RTGS; for immediate small-value transfers choose IMPS; NEFT is suitable for general transfers.
Q: How can I confirm the IFSC before transferring?
A: Confirm the IFSC from a recent cheque leaf, the bank passbook, the branch office, or by calling the branch phone (8102918689) or the bank’s toll-free number (18001807777). Always cross-check the branch name (Maraiya, Khagaria) along with the IFSC.
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.