The Bihar Gramin Bank branch at Usraha is located in Khagaria district of Bihar, pincode 852161. This page summarizes the branch contact details and the IFSC code you must use for electronic fund transfers. The IFSC (Indian Financial System Code) is essential for routing NEFT, RTGS and IMPS transactions. Using the correct IFSC ensures your money is routed to the right bank and branch and reduces delays or failed transfers.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Usraha |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 3513 |
| Branch Address | Usraha, Khagaria, 852161, 8102918678 |
| Contact Number | 8102918678 |
| City | Khagaria |
| District | Khagaria |
| Reason | BEGUSARAI |
| Pincode | 852161 |
| State | Bihar |
Merger Update
Important: Bihar Gramin Bank branches that were part of the former Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB) now operate under a unified arrangement with Punjab National Bank for electronic clearing. The single IFSC in use for this branch is PUNB0MBGB06. Old UBGB or DBGB IFSC codes have been revoked. For NEFT, RTGS and IMPS transactions use only the new code PUNB0MBGB06. Transactions attempted with revoked IFSCs may fail or be delayed.
What is IFSC Code?
The IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to identify bank branches in electronic payments. The structure is fixed:
- First 4 characters = bank identifier (example: PUNB for Punjab National Bank).
- 5th character = reserved and is always 0.
- Last 6 characters = branch identifier (example: MBGB06 in PUNB0MBGB06).
So PUNB0MBGB06 splits as PUNB | 0 | MBGB06.
How to Use IFSC Code
Follow these steps when making NEFT, RTGS or IMPS transfers to Usraha branch:
- Collect the beneficiary details: account name, account number and IFSC PUNB0MBGB06.
- Open your bank’s netbanking, mobile app or visit your branch.
- Choose the transfer type: NEFT, RTGS or IMPS. IMPS is instant and available 24×7; NEFT and RTGS may have bank-specific cut-offs — confirm with your bank.
- Enter the beneficiary account number and IFSC exactly. Select account type if requested.
- Enter the transfer amount and purpose. Verify the beneficiary name shown by the system before confirming.
- Authorize the transaction (OTP, token, or physical signature as required).
- Save the transaction reference number and check the beneficiary account for confirmation. If transfer fails, contact the sending bank with the reference number.
Note: Banks may apply limits, service charges and different settlement timings. If the transfer is time-sensitive, confirm the bank’s processing hours.
Benefits of Knowing the IFSC
- Accurate routing of funds to the correct bank and branch.
- Faster processing and fewer failed transactions.
- Required for online NEFT, RTGS and IMPS transfers.
- Useful for receiving salaries, government payments and vendor settlements.
- Helps bookkeeping and reconciliation by matching transfers to branch codes.
Contact
Branch Phone: 8102918678
Branch Address: Usraha, Khagaria, 852161
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll Free: 18001807777
FAQs
Q: Can I use any old UBGB or DBGB IFSC for transfers to this branch?
A: No. Old UBGB and DBGB IFSC codes have been revoked after the consolidation. Use only PUNB0MBGB06 for transfers to Usraha.
Q: What happens if I enter the wrong IFSC but correct account number?
A: IFSC routes the payment to a specific branch. If the entered IFSC belongs to a different branch, the receiving bank system may not match the account details and the transaction can fail or be delayed. In rare cases where a different branch has the same account number format and the account exists, funds could be misrouted. Always double-check both IFSC and account number.
Q: Is IFSC case-sensitive?
A: IFSC is alphanumeric and normally presented in upper case. Most banking systems are not case-sensitive, but use the canonical upper-case form PUNB0MBGB06 to avoid confusion.
Q: Which method should I choose — NEFT, RTGS or IMPS?
A: Choose based on urgency and amount. IMPS is instant and available round-the-clock for smaller transfers. NEFT is suitable for routine transfers. RTGS is designed for high-value payments. Check your bank for any minimum/maximum limits and charges before selecting.
Q: How can I verify the IFSC before sending money?
A: Verify the IFSC with the beneficiary directly or check a recent bank statement or cheque leaf for the branch. When using your bank’s transfer interface, confirm the beneficiary name that appears after entering account number and IFSC. If uncertain, call the branch phone at 8102918678 before sending funds.
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.