Urain is a town in Lakhisarai district, Bihar (PIN 811309). This branch serves local residents and small businesses. For electronic fund transfers through NEFT, RTGS and IMPS you must use the correct IFSC. The IFSC uniquely identifies the bank and branch and ensures your money goes to the right account without delay or reversal.
Bihar Gramin Bank Urain IFSC Code — Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Urain |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 3108 |
| Branch Address | Urain, Lakhisarai, 811309, 8102918574 |
| Contact Number | 8102918574 |
| City | Lakhisarai |
| District | Lakhisarai |
| Reason | JAMUI |
| Pincode | 811309 |
| State | Bihar |
Merger Update
The regional rural banks previously operating as Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been consolidated under Punjab National Bank for operational purposes. These merged branches now use a single IFSC: PUNB0MBGB06. Old IFSC codes that belonged to UBGB or DBGB have been revoked. Use only the new IFSC for NEFT, RTGS and IMPS transfers. Transactions sent to deprecated IFSCs will fail or be returned.
What is IFSC Code?
The Indian Financial System Code (IFSC) is an 11-character alphanumeric code used to identify bank branches in electronic payment systems.
- First 4 characters — identify the bank. Example: PUNB = Punjab National Bank.
- 5th character — is reserved and is always a zero (0).
- Last 6 characters — identify the specific branch. In PUNB0MBGB06, MBGB06 denotes the branch code segment.
How to Use IFSC Code
- Open your bank’s online banking or mobile app and go to the fund transfer section (NEFT/RTGS/IMPS).
- Select the transfer type: IMPS for instant small-value transfers, NEFT for standard retail transfers, RTGS for high-value same-day transfers (RTGS minimum applies).
- Add a new beneficiary. Enter beneficiary name, account number, and the IFSC: PUNB0MBGB06. Double-check the spelling and digits.
- Provide the beneficiary’s branch and bank details if requested: Bihar Gramin Bank, Urain branch, Lakhisarai, PIN 811309.
- Verify the details and authorize the transaction with OTP or transaction PIN.
- Keep the transaction reference number. Check the beneficiary bank or account confirmation to ensure the transfer succeeded.
Benefits of Knowing the IFSC
- Ensures funds reach the exact branch and account without manual routing.
- Reduces delays and returned transactions caused by incorrect branch identification.
- Required for all electronic transfers: NEFT, RTGS and IMPS.
- Useful for setting up direct credits, salary credits, and automatic bill payments.
- Makes reconciliation easier for businesses and accountants.
Contact
Branch phone no: 8102918574
Branch Address: Urain, Lakhisarai, 811309
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777
FAQs
Q: Is PUNB0MBGB06 valid for IMPS, NEFT and RTGS?
A: Yes. PUNB0MBGB06 is the valid IFSC for all three electronic transfer methods for the Urain branch.
Q: My old UBGB IFSC was different. Can I still use it?
A: No. Old UBGB IFSCs have been revoked after the merger. Use only the new code PUNB0MBGB06. Transfers to old codes will fail.
Q: What if I enter the wrong IFSC but the correct account number?
A: Banks use IFSC plus account number to route funds. An incorrect IFSC can route to a different branch. If routing leads to mismatch, the receiving bank may reject or return the payment. Contact your bank immediately with transaction reference.
Q: How can I confirm the branch details before sending money?
A: Verify the IFSC and account number with the beneficiary by phone. Use the branch contact number 8102918574 or the head office toll-free 18001807777 if you need confirmation.
Q: Are there timing differences between NEFT, RTGS and IMPS?
A: Yes. IMPS is instant and available 24×7. NEFT processes in hourly or half-hourly batches depending on the bank’s schedule (now largely near-real-time but check your bank). RTGS is real-time but typically for high-value transfers during bank working hours. Confirm with your bank for exact cut-offs.
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.