The Bihar Gramin Bank branch at Ladania is located in Madhubani district, Bihar (Pincode 847232). This IFSC code information is important when sending or receiving electronic funds through NEFT, RTGS or IMPS. The IFSC uniquely identifies the bank and branch so transfers route correctly and reach the intended account without delay.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Ladania |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100356 |
| Branch Address | Ladania, MADHUBANI, 847232, 9297954950 |
| Contact Number | 9297954950 |
| City | MADHUBANI |
| District | MADHUBANI |
| Reason | JHANJHARPUR |
| Pincode | 847232 |
| State | Bihar |
Merger Update
Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) were merged and now operate under the single identity of Bihar Gramin Bank sponsored by Punjab National Bank. As part of that consolidation, the unified IFSC PUNB0MBGB06 (under Punjab National Bank code PUNB) is now used for fund transfers to these branches. Old UBGB and DBGB IFSC codes have been revoked. Only the new IFSC PUNB0MBGB06 should be used for NEFT, RTGS and IMPS transfers to the Ladania branch.
What is IFSC Code?
The IFSC (Indian Financial System Code) is an 11-character alphanumeric code that identifies a bank branch for electronic payments.
- First 4 characters — bank identifier (example: PUNB = Punjab National Bank).
- 5th character — reserved and is always 0.
- Last 6 characters — branch identifier (example: MBGB06 in PUNB0MBGB06).
Example breakdown for this branch: PUNB | 0 | MBGB06. Here PUNB shows the sponsor bank, 0 is reserved, and MBGB06 denotes the Ladania branch code within the merged Bihar Gramin Bank structure.
How to Use IFSC Code for NEFT / RTGS / IMPS
- Open your bank’s net-banking, mobile app or visit the branch counter.
- Choose the transfer type: NEFT, RTGS or IMPS. (IMPS and NEFT are for smaller or immediate transfers; RTGS is for large-value real-time transfers.)
- Enter beneficiary details:
- Account holder’s name
- Account number
- IFSC code: PUNB0MBGB06
- Branch name (optional): Ladania, MADHUBANI
- Enter amount and any required remarks. Verify all details before authorizing.
- Confirm using OTP or banking credentials. Keep the transaction reference for tracking.
- If you are unsure about limits or cut-off times, check with your bank. NEFT/RTGS/IMPS are available 24×7 with modern banking rules, but large-bank policies can vary for settlement and limits.
Benefits of Knowing the IFSC
- Ensures funds route to the exact branch and account without delay.
- Prevents failed transfers and return charges due to incorrect bank identification.
- Required information for online payments, salary credits, vendor payments and tax transfers.
- Useful when setting up beneficiary accounts in net-banking or payment apps.
- Helps customer service and branch staff locate accounts quickly when troubleshooting transfers.
Contact
Branch phone no: 9297954950
Branch Address: Ladania, MADHUBANI, 847232
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 payments to Ladania?
A: No. Old UBGB and DBGB IFSC codes have been revoked after the merger. Use the new IFSC PUNB0MBGB06 for all electronic transfers.
Q: What happens if I enter a wrong IFSC but correct account number?
A: If the IFSC points to a different branch but the account number format is valid, the transfer may still succeed or it may be rejected. Always verify both IFSC and account number. If a transfer goes to the wrong account, contact your bank immediately to initiate recovery.
Q: Which transfer mode should I use for urgent or large-value transfers?
A: Use IMPS for urgent small-to-medium transfers (instant). Use RTGS for large-value real-time transfers that exceed your bank’s RTGS minimum. NEFT is suitable for regular transfers; it is effectively available 24×7 but check your bank for any specific cut-offs.
Q: How do I verify the IFSC and branch details before sending money?
A: Confirm with the beneficiary directly, check a bank-issued document (passbook, cheque leaf showing MICR and IFSC), or call the branch at 9297954950. Use the head office toll-free number 18001807777 for sponsor-bank confirmation if needed.
Q: Is the MICR code needed for NEFT/RTGS/IMPS?
A: No. The MICR code is used for cheque processing. For electronic transfers (NEFT/RTGS/IMPS) the IFSC is mandatory.
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.