Lahra Chowk branch of Bihar Gramin Bank is located in Kishanganj district, Bihar (PIN 855107). This branch handles routine retail and agricultural banking for nearby villages and small towns. For electronic fund transfers such as NEFT, RTGS and IMPS, the branch’s IFSC code is required. The IFSC uniquely routes your payment to the correct bank and branch. Using the correct IFSC reduces delays and failed transfers when sending or receiving money.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Lahra Chowk |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 108143 |
| Branch Address | Lahra Chowk, KISHANGANJ, 855107, 9297954413 |
| Contact Number | 9297954413 |
| City | KISHANGANJ |
| District | KISHANGANJ |
| Reason | ARARIA |
| Pincode | 855107 |
| State | Bihar |
Merger Update
This branch falls under the merged regional bank structure. Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been consolidated under Punjab National Bank’s sponsorship. After the merger, all branches now use a single IFSC code format under PUNB. The current valid IFSC for Lahra Chowk is PUNB0MBGB06. Old UBGB/DBGB IFSC codes have been revoked and will not work for NEFT, RTGS or IMPS. Use only the new IFSC for any electronic transfer to this branch.
What is IFSC Code?
IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to identify bank branches in electronic payments in India. The structure is fixed:
- First 4 characters = bank identifier (e.g., PUNB for Punjab National Bank).
- 5th character = always 0 (reserved).
- Last 6 characters = branch identifier (unique to each branch, e.g., MBGB06 in PUNB0MBGB06).
How to Use IFSC Code
Steps to send money via NEFT, RTGS or IMPS:
- Open your bank’s netbanking, mobile banking app or visit the branch.
- Choose “Fund Transfer” and then “Add Beneficiary.”
- Enter beneficiary name, account number and the IFSC: PUNB0MBGB06. Double-check spelling and digits.
- Submit. Your bank will usually ask for OTP or other verification before approving the beneficiary.
- Once the beneficiary is active, select NEFT/RTGS/IMPS depending on speed and amount, enter the amount and initiate the transfer.
- Keep the transaction reference for tracking. Verify the credited amount and beneficiary details after transfer.
Notes on modes:
- NEFT – No minimum amount, suited for small to medium transfers. Available round-the-clock in most banks.
- RTGS – Generally used for large-value transfers. Historically a minimum of ₹2 lakh applied. Check your bank for current limits and availability.
- IMPS – Instant transfer, available 24×7 for smaller amounts. Daily and per-transaction caps depend on the sending bank’s policy.
Benefits of Knowing the IFSC
- Ensures funds reach the exact branch and account without delay.
- Reduces failed or returned transactions caused by ambiguous branch details.
- Required to add beneficiaries in netbanking and mobile apps.
- Useful for inward remittances, salary credits, vendor payments and government transfers.
- Helps customer service quickly locate branch details using the code.
Contact
Branch Phone No: 9297954413
Branch Address: Lahra Chowk, KISHANGANJ, 855107
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll Free No: 18001807777
FAQs
Q: How do I confirm the correct IFSC before sending money?
A: Check the IFSC printed on the beneficiary’s bank passbook or cheque leaf. Confirm with the beneficiary by phone. Use the branch details in this article: PUNB0MBGB06 for Lahra Chowk.
Q: What happens if I enter the wrong IFSC?
A: If the IFSC points to a different branch but the account number exists there, funds may go to the wrong account and recovery can be slow. If the IFSC is invalid, the transfer will usually be rejected and returned. Always verify both IFSC and account number.
Q: The branch used to show a UBGB or DBGB IFSC. Can I still use it?
A: No. After the merger, old UBGB/DBGB IFSC codes were revoked. Use only the new IFSC PUNB0MBGB06. Transactions to old codes will fail or be returned.
Q: What is MICR and do I need it for transfers?
A: MICR (Magnetic Ink Character Recognition) is a 9-digit code used mainly for cheque clearing. It is not required for NEFT/RTGS/IMPS. For electronic transfers you need the account number and IFSC.
Q: Can I receive international remittances directly into this branch?
A: International inward remittances use SWIFT/BIC codes in addition to beneficiary account and bank details. Punjab National Bank’s SWIFT code and corresponding branch instructions apply. Confirm with the head office or branch before initiating an inward remittance.
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.