The Bihar Gramin Bank branch at Arma is located in Lakhisarai district, Bihar (PIN 811309). This branch uses the IFSC code PUNB0MBGB06 for electronic fund transfers. An accurate IFSC is essential for NEFT, RTGS and IMPS transfers: it tells the payment system which bank and which specific branch should receive the funds. Using the correct IFSC avoids transfer failures, delays and misrouting of money.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Arma |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 3124 |
| Branch Address | Arma, Lakhisarai, 811309, 8102926333 |
| Contact Number | 8102926333 |
| City | Lakhisarai |
| District | Lakhisarai |
| Reason | JAMUI |
| Pincode | 811309 |
| State | Bihar |
Merger Update
Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) were consolidated under Punjab National Bank. As a result, branches previously using UBGB or DBGB IFSC codes now use the single IFSC PUNB0MBGB06 assigned under Punjab National Bank. Old UBGB/DBGB IFSC codes have been revoked; they are not valid for transactions. Always use the new IFSC PUNB0MBGB06 for transfers to this Arma branch.
What is an IFSC Code?
The Indian Financial System Code (IFSC) is an 11‑character alphanumeric code used to route electronic payments to a specific bank branch. Its structure is fixed:
- First 4 characters – bank code (letters). Example: PUNB = Punjab National Bank.
- 5th character – reserved and is always 0.
- Last 6 characters – branch identifier (letters or digits). Example: MBGB06 in PUNB0MBGB06 identifies the Arma branch within the bank.
How to Use the IFSC Code (NEFT / RTGS / IMPS)
- Open your bank’s netbanking site or mobile app (or visit your branch if doing a manual form).
- Choose the transfer type: NEFT, RTGS or IMPS (IMPS is immediate, NEFT/RTGS may have timing rules and limits).
- Add beneficiary details: beneficiary name, bank account number, and the IFSC PUNB0MBGB06.
- Enter the transfer amount and purpose/remarks.
- Verify beneficiary details on screen. Confirm that the IFSC and account number match the payee’s information exactly.
- Authorize the payment using your PIN, OTP or token as required by your bank.
- Save the transaction receipt or reference number. Use it to track or reconcile the payment if needed.
Benefits of Knowing the IFSC
- Ensures funds are routed to the correct bank branch for NEFT, RTGS and IMPS.
- Reduces failed transfers and associated delays or reversal processes.
- Required for salary credits, vendor payments and online bill payments.
- Needed to add beneficiaries in netbanking or mobile apps.
- Helps customer support trace transactions quickly using the branch identifier and MICR.
Contact Details
Branch phone no: 8102926333
Branch Address: Arma, Lakhisarai, 811309
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777
FAQs
Q: Is PUNB0MBGB06 the correct IFSC to send money to Bihar Gramin Bank Arma?
Yes. The current and valid IFSC for Bihar Gramin Bank Arma branch is PUNB0MBGB06. Use this for NEFT, RTGS and IMPS transfers.
Q: What happens if I enter a wrong IFSC?
If the IFSC does not match the destination bank/branch, the payment may fail or be routed to the wrong branch. If routed incorrectly, recovery requires coordination between banks and can take several days. Always double-check IFSC and account number before confirming.
Q: How is IFSC different from MICR?
IFSC is used for electronic transfers and identifies bank and branch (11 characters). MICR (Magnetic Ink Character Recognition) is a 9‑digit code (here 800811002) used primarily by the clearing system for cheque processing. Both identify branch, but they serve different systems.
Q: The branch used to have a UBGB IFSC. Can I still use it?
No. Old UBGB (and DBGB) IFSC codes have been revoked after merger. All transactions must use the new IFSC PUNB0MBGB06 under Punjab National Bank.
Q: Are there any limits or timing rules for NEFT/RTGS/IMPS?
IMPS is immediate and available 24×7 for amounts within the bank’s IMPS limits. NEFT operates in batch cycles (now available 24×7 for many banks) with no minimum; RTGS is for high‑value real time gross settlements (minimum amount varies by bank, often ₹2 lakh). Check with your bank for exact limits and service hours.
Q: How can I verify this IFSC before sending money?
Verify with the beneficiary (ask them to confirm the IFSC and account number), check the bank’s printed passbook or cheque leaf for IFSC, or contact the branch at 8102926333 or the head office/toll free number before initiating a transfer.
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.