The Bihar Gramin Bank branch at Abhaipur (Lakhisarai district, Bihar, PIN 812112) serves local customers for deposits, withdrawals, and fund transfers. For electronic transfers through NEFT, RTGS, and IMPS, the branch’s IFSC code is essential. The IFSC directs transactions to the correct bank and branch on the RBI-cleared payment rails, ensuring that money sent from one account reaches the intended account without delay or misrouting.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Abhaipur |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 3107 |
| Branch Address | Abhaipur, Lakhisarai, 812112, 8102918573 |
| Contact Number | 8102918573 |
| City | Lakhisarai |
| District | Lakhisarai |
| Reason | JAMUI |
| Pincode | 812112 |
| State | Bihar |
Merger Update
Several regional rural banks in Bihar, including units earlier operating as Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB), have been reorganised. These banks now operate under a single IFSC code PUNB0MBGB06 mapped to Punjab National Bank’s sponsor structure. If your account or beneficiary record still shows an old UBGB or DBGB IFSC, that old IFSC has been revoked and will not work for electronic transfers. Always use the new IFSC PUNB0MBGB06 when sending funds to this branch.
What is IFSC Code?
The IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to identify bank branches for electronic payments. Its structure:
- First 4 characters: Bank identifier (example: PUNB = Punjab National Bank).
- 5th character: Fixed as 0 (reserved for future use).
- Last 6 characters: Branch identifier (example: MBGB06 for this branch mapping).
Example: PUNB0MBGB06 breaks down to PUNB | 0 | MBGB06.
How to Use IFSC Code
Use the IFSC when you set up or execute NEFT, RTGS, or IMPS transfers. Steps:
- Open your bank’s netbanking, mobile app, or visit branch/ATM for transfers.
- Choose payment type: NEFT, RTGS, or IMPS. (IMPS is instant and available 24×7; NEFT and RTGS operate on RBI settlement rules—check bank timings.)
- Select “Add Beneficiary” (if required). Enter beneficiary name, account number, and IFSC: PUNB0MBGB06.
- Verify the beneficiary details and save. Many banks mandate a cooling period before first transfer to a newly added beneficiary for security.
- To pay, pick the saved beneficiary, enter amount and purpose, and authenticate the transaction (OTP or UPI PIN as applicable).
- After transfer, note the transaction reference/UTR for tracking. For failed or bounced transfers, contact your bank with the UTR and timestamps.
Benefits of Knowing the IFSC
- Accurate routing: Ensures funds land in the correct branch and account.
- Faster settlements: Required for NEFT/RTGS/IMPS to process without manual intervention.
- Lower error rates: Reduces failed transfers due to ambiguous branch names or addresses.
- Useful for cheques and forms: MICR and branch code help reconcile cheque processing and inward clearing.
- Essential after mergers: Updated IFSC avoids use of revoked codes after bank reorganisations.
Contact
Branch phone no: 8102918573
Branch Address: Abhaipur, Lakhisarai, 812112
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777
FAQs
Q: Can I use an old UBGB or DBGB IFSC for transfers to this branch?
A: No. Old UBGB/DBGB IFSC codes have been revoked after the merger. Use the current IFSC PUNB0MBGB06 for all transactions to this branch.
Q: What happens if I enter a wrong IFSC?
A: If the IFSC directs the transfer to a different branch, funds may go to a wrong account or be returned. If the IFSC does not exist or is invalid, the transfer will typically fail and be reversed. Always double-check the IFSC and account number before confirming the payment.
Q: Is IFSC case-sensitive?
A: No. IFSC is not case-sensitive, but enter it exactly as shown to avoid typing mistakes. PUNB0MBGB06 and punb0mbgb06 represent the same code.
Q: Do I need the IFSC for UPI transfers?
A: Not usually. UPI uses virtual payment addresses (VPAs) and mobile numbers. However, if you add a bank account manually or use some bank interfaces, you may be asked for the IFSC.
Q: How do I confirm the IFSC is correct?
A: Confirm by checking the beneficiary’s bank statement, a cheque leaf (MICR & branch details), or calling the branch number listed above. For safety, use the IFSC provided by the beneficiary’s bank or the official bank communication channels.
Q: How long do NEFT/RTGS/IMPS transfers take?
A: IMPS is instant and available 24×7. NEFT and RTGS depend on bank settlement cycles and operating hours. NEFT typically completes within a few hours or same day for transactions initiated during bank service hours. For urgent transfers, use IMPS or RTGS (confirm with your bank for current cutoffs and processing times).
If you need help verifying beneficiary details before a transfer, contact the branch at 8102918573 or use the head office toll-free number 18001807777.
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.