The Bihar Gramin Bank branch at Barhara is located in Madhubani district of Bihar (PIN 847401). This branch handles regular rural banking services for local customers. For any electronic fund transfer — NEFT, RTGS or IMPS — you must use the branch IFSC code. The IFSC uniquely identifies the bank and branch in payment systems and ensures your funds are routed correctly and quickly.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Barhara |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100332 |
| Branch Address | Barhara, MADHUBANI, 847401, 9297954908 |
| Contact Number | 9297954908 |
| City | MADHUBANI |
| District | MADHUBANI |
| Reason | JHANJHARPUR |
| Pincode | 847401 |
| State | Bihar |
Merger Update
Important: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been consolidated and now operate under the Punjab National Bank sponsor bank arrangement using the IFSC code PUNB0MBGB06. Old IFSC codes previously assigned to UBGB or DBGB branches have been revoked. For NEFT, RTGS or IMPS transfers, use only the new IFSC PUNB0MBGB06. Using an old or revoked IFSC can delay or fail the transaction.
What is IFSC Code?
The Indian Financial System Code (IFSC) is an 11-character alphanumeric code. It tells the payment system which bank and which branch should receive funds. The structure is fixed:
- First 4 characters: Bank code (letters). Example: PUNB = Punjab National Bank.
- 5th character: Always the digit 0 (reserved for future use).
- Last 6 characters: Branch identifier (letters and/or numbers). Example: MBGB06 identifies the Barhara branch under the new arrangement.
So PUNB0MBGB06 breaks down as: PUNB (bank) + 0 + MBGB06 (branch). IFSC codes are used by NEFT, RTGS and IMPS for automated routing.
How to Use IFSC Code (NEFT, RTGS, IMPS)
Follow these steps when you make a transfer:
- Open your bank’s internet banking or mobile app and go to “Fund Transfer” or “Add Beneficiary”.
- Enter beneficiary name and account number exactly as provided by the recipient. Small mismatches can cause issues.
- Enter the IFSC: PUNB0MBGB06. Double-check every character (PUNB, zero, then MBGB06).
- Choose the transfer type:
- IMPS — instant, 24×7, for small value urgent transfers.
- NEFT — now available round-the-clock; used for routine transfers with batch processing.
- RTGS — for high-value immediate transfers (check minimum amount with your bank).
- Enter amount and purpose. Confirm charges and expected credit time shown by your bank.
- Authenticate the transfer (OTP, transaction password, or token) and submit.
- Save the transaction reference number. Use it to track or to report a failed transfer.
Practical tips:
- Find IFSC on the cheque leaf, passbook, or bank statement if unsure.
- If a branch has merged, use the latest IFSC provided by the bank (the old one may be inactive).
- For large transfers, confirm beneficiary details by phone before sending.
Benefits of Knowing the IFSC
- Ensures funds reach the correct branch fast and automatically.
- Reduces manual routing errors and failed transactions.
- Required for all electronic interbank transfers (NEFT/RTGS/IMPS).
- Enables quick validation by the sender’s bank before processing.
- Helps customer service trace and resolve transfer issues using the IFSC and reference number.
Contact
Branch phone no: 9297954908
Branch Address: Barhara, MADHUBANI, 847401
Head office address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777
FAQs
Q: How can I confirm this IFSC before transferring?
A: Check the IFSC on an official bank document: cheque leaf, passbook, or bank statement. You can also call the branch at 9297954908 to confirm.
Q: Can I use the branch MICR code instead of IFSC for NEFT/RTGS/IMPS?
A: No. MICR is used for cheque clearing only. Electronic transfers require the IFSC.
Q: What happens if I enter the wrong IFSC?
A: If the IFSC points to another active branch, funds may be credited to that branch’s account if account number matches; otherwise the transaction may fail and the money will be returned. Wrong IFSC can cause delays. Contact your bank with the transaction reference to resolve problems.
Q: Are old IFSCs after bank mergers still valid?
A: Typically no. When UBGB/DBGB branches were merged into the sponsor bank structure, old IFSCs were revoked and replaced by the new IFSC PUNB0MBGB06. Always use the current IFSC your bank confirms.
Q: Is there a cut-off time for NEFT/RTGS/IMPS?
A: IMPS is available 24×7. NEFT and RTGS are largely available round-the-clock now, but processing times and cutoffs can vary by bank. Check your bank’s user interface for real-time confirmation and settlement details.
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.