Bihar Gramin Bank Ekhatha IFSC Code

Ekhatha is a branch in Madhubani district, Bihar (PIN 847227). If you need to send or receive money to this branch, the IFSC code is the key identifier used by banks and payment systems. The IFSC is required when making NEFT, RTGS or IMPS transfers so the payment routing goes to the correct bank and branch. Using the correct IFSC speeds processing and reduces failed or misdirected payments.

Branch Details

Merger Update

Important: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged into a single entity under Punjab National Bank for payment routing. Post-merger, the consolidated IFSC for this region/branch is PUNB0MBGB06. Old UBGB and DBGB IFSC codes have been revoked and are no longer valid for NEFT/RTGS/IMPS. Use only the new IFSC PUNB0MBGB06 for any electronic transfers.

What is an IFSC Code?

IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code that uniquely identifies a bank branch in India for electronic transfers. The structure is:

• First 4 characters — bank identifier (example: PUNB = Punjab National Bank)
• 5th character — always 0 (reserved for future use)
• Last 6 characters — branch identifier (example: MBGB06 for this branch)

Example: PUNB0MBGB06 = PUNB | 0 | MBGB06. The full 11-character code is required for NEFT, RTGS and IMPS transactions.

How to Use the IFSC Code for NEFT, RTGS and IMPS

• Open your bank’s netbanking, mobile app, or go to the branch.
• Choose the transfer type: IMPS (instant), NEFT (batch/now available 24×7), or RTGS (for larger amounts). Check your bank’s limits for RTGS/NEFT if needed.
• Add a beneficiary: Enter beneficiary name, account number, bank name and the IFSC PUNB0MBGB06. Enter branch as Ekhatha, MADHUBANI.
• Verify beneficiary details and save. Your bank may require OTP or additional confirmation.
• Initiate the transfer with the saved beneficiary. Double-check the IFSC and account number before confirming.
• Keep the transaction reference for tracking. For failed/returned payments, contact your bank with this reference.

Benefits of Knowing the IFSC

• Speeds up electronic fund transfers (NEFT, RTGS, IMPS).
• Reduces errors—routing goes directly to the correct bank branch.
• Required for adding beneficiaries in internet and mobile banking.
• Useful when filling cheque deposit slips (MICR is used for clearing cheques).
• Makes it easier to verify bank/branch identity when receiving payments or refunds.

Contact

Branch Phone: 9297954919

Branch Address: Ekhatha, MADHUBANI, 847227

Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR

Toll Free: 18001807777

FAQs

• Q: What is the IFSC for Bihar Gramin Bank Ekhatha?

  A: The IFSC is PUNB0MBGB06 (11 characters). Use this for NEFT, RTGS and IMPS transfers.

• Q: Can I still use old UBGB or DBGB IFSC codes?

  A: No. UBGB and DBGB codes have been revoked after the merger. Use only PUNB0MBGB06 for transactions related to this branch.

• Q: What happens if I enter the wrong IFSC?

  A: If the IFSC does not match the beneficiary bank and branch, the transfer may be rejected or routed to a wrong branch. If rejected, the amount is usually returned to the sender’s account. If misrouted due to incorrect account details, recovery requires bank intervention and can take time. Always double-check IFSC and account number.

• Q: Do IMPS transfers need the IFSC?

  A: Most IMPS transfers using account number require the IFSC. If you use a mobile number or MMID (where supported), IFSC may not be needed. For beneficiary-by-account transfers, provide the IFSC and account number.

• Q: What is the MICR and when is it used?

  A: The MICR code for this branch is 800811002. MICR is used for cheque clearing via the clearing house and is printed on cheques. It is not used for NEFT/RTGS/IMPS.

• Q: How long do transfers take?

  A: IMPS is instant (seconds). NEFT is typically processed quickly—many banks now offer 24×7 NEFT processing. RTGS settles immediately for large-value transfers. Exact timing and limits vary by bank; check with your bank for their cut-offs and charges.

Kriti Kumari

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.