Bhauwara is a village in Madhubani district, Bihar (PIN 847212). This page lists the official IFSC and branch details for Bihar Gramin Bank, Bhauwara branch. The IFSC is necessary for electronic fund transfers—NEFT, RTGS and IMPS. Using the correct IFSC ensures money routes to the right bank branch and avoids failed or delayed transactions.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Bhauwara |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100326 |
| Branch Address | Bhauwara, MADHUBANI, 847212, 9297954837 |
| Contact Number | 9297954837 |
| City | MADHUBANI |
| District | MADHUBANI |
| Reason | MADHUBANI |
| Pincode | 847212 |
| State | Bihar |
Merger Update
Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been consolidated under the sponsor bank Punjab National Bank (PNB). All former UBGB and DBGB IFSC codes have been revoked. The merged rural bank now uses the single IFSC code PUNB0MBGB06 for transactions. For the Bhauwara branch, you must use PUNB0MBGB06 for NEFT, RTGS and IMPS transfers. Old UBGB/DBGB IFSC values will not work.
What is IFSC Code?
IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code used to identify bank branches for electronic transfers. The structure:
- First 4 characters – bank identifier (letters). Example: PUNB = Punjab National Bank.
- 5th character – reserved and is always 0.
- Last 6 characters – branch identifier (alphanumeric). For this branch the last six are MBGB06, making the full IFSC PUNB0MBGB06.
Note: The IFSC branch identifier is different from the bank’s internal numeric branch code (here 100326).
How to Use IFSC Code
- Open your bank’s netbanking, mobile banking app, or go to the bank branch.
- Choose transfer type: NEFT, RTGS or IMPS. (RTGS typically for amounts above ₹2 lakh; NEFT has no minimum and IMPS is instant for smaller amounts.)
- Enter beneficiary name and account number exactly as provided.
- Enter IFSC: PUNB0MBGB06. Double-check each character.
- Confirm recipient bank name and branch shown by the system. If it does not match, stop and verify before proceeding.
- Enter amount and purpose. Authorize the transaction (OTP or secure token) and keep the reference number.
- Track the transfer using the reference number. For failed transfers, contact your bank with the reference and beneficiary details.
Benefits of Knowing the IFSC
- Accurate routing of electronic payments to the correct branch.
- Prevents delays and returned transfers caused by wrong branch codes.
- Required for online modes: NEFT, RTGS and IMPS.
- Useful for setting up bank mandates, payroll, and recurring transfers.
- Helps customer service troubleshoot transfer issues quickly when you can quote the IFSC and branch code.
Contact
Branch phone no: 9297954837
Branch Address: Bhauwara, MADHUBANI, 847212
Head office address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777
FAQs
Q: What IFSC should I use to send money to Bhauwara branch?
A: Use PUNB0MBGB06. This is the active IFSC after the PNB consolidation. Do not use old UBGB or DBGB IFSC codes.
Q: What if I enter the wrong IFSC but the correct account number?
A: Most banks validate that the IFSC matches the bank/branch. If mismatch occurs the transfer may be blocked or returned. If the payment goes to a different branch by mistake, contact your bank immediately with the transaction reference to request reversal.
Q: Is the branch MICR needed for online transfers?
A: No. MICR (800811002) is used for cheque clearing. IFSC (PUNB0MBGB06) is required for electronic fund transfers (NEFT/RTGS/IMPS).
Q: How long do NEFT/RTGS/IMPS transfers take to reach Bhauwara branch?
A: IMPS is instant (seconds). NEFT settlements can take minutes to a few hours depending on the batch/time. RTGS is near-instant for high-value payments, typically within minutes during business hours. Delays may occur due to incorrect details or bank processing issues.
Q: Where can I verify this IFSC and branch details?
A: Verify with the branch via phone (9297954837) or confirm from the official bank communications. Your bank’s transfer screen usually confirms the branch name when you enter the IFSC and account number. If in doubt, call the branch or the head office toll-free number (18001807777).
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.