The Bihar Gramin Bank branch at Maura serves customers in Maura village, Madhepura district, Bihar (PIN 852122). This branch handles deposits, withdrawals, and inward/outward fund transfers. For electronic transfers using NEFT, RTGS or IMPS, the branch’s IFSC code is required. The IFSC uniquely identifies the bank and branch for routing payments across India’s electronic payment systems.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Maura |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 108102 |
| Branch Address | Maura, MADHEPURA, 852122, 8434784353 |
| Contact Number | 8434784353 |
| City | MADHEPURA |
| District | MADHEPURA |
| Reason | SAHARSA |
| Pincode | 852122 |
| State | Bihar |
Merger Update
Important: Punjab National Bank consolidated regional rural banks in Bihar. If this branch previously operated under Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB), both have been merged and now transactions use the single IFSC PUNB0MBGB06 under Punjab National Bank. Old UBGB/DBGB IFSC codes have been revoked. Use only the new IFSC for NEFT, RTGS and IMPS transfers to avoid failed or delayed payments.
What is IFSC Code?
The IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to route payments to a bank branch. Its structure is: the first 4 characters identify the bank (letters), the 5th character is normally the digit 0 (reserved), and the last 6 characters identify the specific branch. Example: in PUNB0MBGB06, “PUNB” is Punjab National Bank, “0” is the reserved character, and “MBGB06” is the Maura/Bihar Gramin Bank branch identifier.
How to Use IFSC Code for NEFT / RTGS / IMPS
- Verify the IFSC. Confirm PUNB0MBGB06 from the beneficiary or an official bank source before starting a transfer.
- Log in to your bank’s netbanking or mobile app. Or visit a branch to use the RTGS/NEFT form.
- Choose the transfer type:
- IMPS — instant, available 24×7 for immediate credit.
- NEFT — electronic funds transfer; now largely available round-the-clock in hourly batches (confirm with your bank for exact timing).
- RTGS — real-time gross settlement; used for high-value or immediate real-time clearing (banks may impose limits or conditions).
- Enter beneficiary details: name, account number, and the IFSC PUNB0MBGB06. Double-check numbers and spelling.
- Enter amount and purpose. For RTGS/NEFT, check cut-offs and minimum/maximum limits with your bank. IMPS typically supports smaller and immediate transfers but limits vary by bank.
- Authenticate the payment. Approve with OTP, token or netbanking password as required.
- Save the transaction reference. Check beneficiary account after the expected clearing time. If payment fails or is delayed, contact your bank with the reference.
Benefits of Knowing the IFSC
- Ensures funds are routed to the correct bank branch for NEFT, RTGS and IMPS transfers.
- Reduces errors that cause failed or delayed transfers.
- Makes adding beneficiaries quick and accurate in netbanking or mobile apps.
- Helps customer service locate transactions faster when you provide the IFSC and branch code.
- Necessary for electronic inward remittances and business payment reconciliations.
Contact
Branch phone: 8434784353
Branch address: Maura, MADHEPURA, 852122
Head office address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll-free: 18001807777
FAQs
Q: Is PUNB0MBGB06 the only IFSC to use for this Maura branch?
A: Yes. Use PUNB0MBGB06. If the branch earlier used an UBGB or DBGB IFSC, those old codes are revoked after the merger. Only the new IFSC is valid for transactions.
Q: What happens if I enter the wrong IFSC?
A: If the IFSC is incorrect, the transaction may be rejected or delayed. In some cases, banks perform validations and will not process a transfer if the IFSC does not match the beneficiary bank. Contact your bank immediately with the transaction reference if you suspect an error.
Q: Can I use the MICR code for electronic transfers?
A: No. MICR (800811002) is used for cheque processing and clearing. IFSC is required for NEFT, RTGS and IMPS.
Q: Which is faster — NEFT, RTGS or IMPS?
A: IMPS is instant and available 24×7. RTGS is real-time settlement suitable for large-value payments and typically clears immediately. NEFT works in settlement batches (now largely available continuously, banks may vary). For urgent credit, prefer IMPS or RTGS depending on bank support and limits.
Q: How do I verify the IFSC before making a payment?
A: Verify by calling the branch phone (8434784353), checking the branch’s printed documents, or asking the beneficiary to confirm from their passbook or bank statement. Also confirm the branch name and city match to avoid routing errors.
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.