Usrahi Deodha is a branch located in Madhubani district of Bihar (PIN 847226). It serves local residents and businesses for deposits, withdrawals and fund transfers. For electronic transfers—NEFT, RTGS and IMPS—the branch’s IFSC code is required to route funds correctly and ensure timely credit to the beneficiary account.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Usrahi Deodha |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 108060 |
| Branch Address | Usrahi Deodha, MADHUBANI, 847226, 9297954941 |
| Contact Number | 9297954941 |
| City | MADHUBANI |
| District | MADHUBANI |
| Reason | JHANJHARPUR |
| Pincode | 847226 |
| State | Bihar |
Merger Update
Note: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) were merged under Punjab National Bank’s sponsorship. All branches formerly under UBGB/DBGB now use the single IFSC code PUNB0MBGB06 for electronic transactions. Old UBGB/DBGB IFSC codes have been revoked. For inward or outward transfers to Usrahi Deodha, use only PUNB0MBGB06; transactions using old IFSCs may fail or be delayed.
What is IFSC Code?
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to identify a specific bank branch for electronic fund transfers in India.
- First 4 characters – alphabetic bank identifier (for example, PUNB = Punjab National Bank).
- Fifth character – always 0 (reserved for future use).
- Last 6 characters – branch identifier (alphanumeric). In this branch, the last 6 are MBGB06, making the full code PUNB0MBGB06.
How to Use IFSC Code
- Open your bank’s netbanking, mobile app or visit an ATM with transfer facility. Choose the transfer type: NEFT, RTGS or IMPS.
- Select “Add Beneficiary” or “New Payee.” Enter beneficiary name and account number exactly as provided.
- Enter the branch IFSC: PUNB0MBGB06. Verify branch name (Usrahi Deodha) and district (Madhubani).
- Save beneficiary. Most banks require a verification period (minutes to a few hours) before first transfer to a new beneficiary.
- Initiate transfer with the chosen mode (NEFT/RTGS/IMPS). Confirm details and authenticate (OTP/transaction password).
- Keep a transaction reference number. For inward transfers, provide sender with the exact IFSC and account details to avoid delays.
Benefits of Knowing the IFSC
- Ensures funds route to the correct branch and account.
- Reduces failed or returned transfers caused by incorrect branch identification.
- Needed to add beneficiaries for NEFT, RTGS and IMPS quickly in digital channels.
- Helps validate branch details when reconciling payments for payroll, suppliers or loan collections.
- Essential for receiving inward remittances from domestic senders and some corporate payment systems.
Contact
Branch Phone: 9297954941
Branch Address: Usrahi Deodha, MADHUBANI, 847226
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll Free: 18001807777
FAQs
Q: Is PUNB0MBGB06 the only valid IFSC now for this branch?
A: Yes. PUNB0MBGB06 is the valid IFSC for Usrahi Deodha under the merged arrangement. Old UBGB or DBGB IFSCs are revoked and must not be used.
Q: What happens if I use a wrong IFSC?
A: If the IFSC points to a different branch, the transfer may be credited to the wrong account or returned. If the IFSC is invalid, the transaction will usually fail and the amount will be reversed. Always double-check account number and IFSC before confirming.
Q: Which transfer method should I use—NEFT, RTGS or IMPS?
A: Use IMPS for instant transfers of small-to-medium amounts (available 24×7). Use NEFT for routine transfers; it is also available round-the-clock for most banks. Use RTGS for high-value immediate transfers (minimum limits vary by bank). Check your bank’s limits and charges.
Q: How long will a transfer to this branch take?
A: IMPS is immediate (seconds). NEFT and RTGS are typically processed quickly; many banks now offer 24×7 settlement. Settlement timing depends on the sending bank’s processing. If in doubt, retain the transaction reference and contact your bank.
Q: Where can I verify branch details if I’m unsure?
A: Verify with the branch phone number 9297954941 or call the head office/toll-free number 18001807777. Ask the bank to confirm the IFSC and account details before sending large payments.
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.