Bihar Gramin Bank Umgaun IFSC Code

Bihar Gramin Bank Umgaun IFSC Code

by

Bihar Gramin Bank Umgaun IFSC Code

Bihar Gramin Bank, Umgaun branch is located in Umgaun village, Madhubani district, Bihar, PIN 847225. This branch serves local residents and businesses for deposits, withdrawals, loans and remittances. For electronic fund transfers such as NEFT, RTGS and IMPS you must use the correct IFSC code so the payment is routed to the right bank and branch. A wrong or missing IFSC can delay transactions or cause them to fail.

Branch Details Table

Bank Name Bihar Gramin Bank
Branch Name Umgaun
IFSC Code PUNB0MBGB06
MICR Code 800811002
Branch Code 100329
Branch Address Umgaun, MADHUBANI, 847225, 9297954900
Contact Number 9297954900
City MADHUBANI
District MADHUBANI
Reason MADHUBANI
Pincode 847225
State Bihar

Merger Update

Bihar Gramin Bank branches that earlier belonged to Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB) now operate under a single IFSC issued by Punjab National Bank. The unified IFSC for the Umgaun branch is PUNB0MBGB06. Old UBGB and DBGB IFSC codes have been revoked. For all NEFT/RTGS/IMPS transactions use only the new IFSC PUNB0MBGB06.

What is IFSC Code?

IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code used to route electronic payments to specific bank branches in India. The structure is fixed:

  • First 4 characters = bank identifier (example: PUNB = Punjab National Bank).
  • 5th character = 0 (reserved for future use).
  • Last 6 characters = branch identifier (alphanumeric). For this branch the last six are MBGB06, making the full IFSC PUNB0MBGB06.

How to Use IFSC Code

  • Open your bank’s internet banking or mobile banking app and go to “Add Beneficiary” or “New Payee.”
  • Enter the beneficiary name, account number and IFSC: PUNB0MBGB06. Double-check spelling and digits.
  • Bank systems usually auto-verify the IFSC and branch once entered. Confirm the branch name shown matches “Umgaun, MADHUBANI.”
  • Complete beneficiary verification (OTP or in-branch activation) as required by your bank.
  • Choose the transfer type: NEFT, RTGS or IMPS. Enter amount and submit. IMPS is instant and available 24×7; NEFT and RTGS are also available round the clock in current practice, but confirm bank cut-offs for any limits or holds.
  • Save or note the transaction reference for any follow-up.

Benefits

  • Accurate routing: IFSC ensures funds go to the exact branch and account.
  • Faster transfers: Correct IFSC prevents rejections and delays.
  • Required for bank transfers: NEFT, RTGS and IMPS typically require IFSC to add payees.
  • Useful for paperwork: IFSC appears on bank forms, receipts and online beneficiary details.
  • Security: Verifying IFSC reduces the risk of sending money to the wrong bank.

Contact

Branch phone no: 9297954900
Branch Address: Umgaun, MADHUBANI, 847225
Head office address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777

FAQs

Q: Is PUNB0MBGB06 the only IFSC I can use for Umgaun branch?
A: Yes. After the merger the valid IFSC for this branch is PUNB0MBGB06. Old UBGB and DBGB IFSCs are revoked and should not be used.

Q: What happens if I enter a wrong IFSC during a transfer?
A: If the wrong IFSC points to a valid branch, funds may go to that branch and could require a recall to recover them. If the IFSC is invalid, the transaction will typically be rejected and funds returned. Always verify IFSC and account number before confirming the transfer.

Q: Can I use this IFSC for IMPS and UPI transfers?
A: IMPS transfers that use account number + IFSC require the correct IFSC. UPI transfers normally use the virtual payment address (VPA) and do not require IFSC. However, when adding a bank account as a beneficiary (not using UPI), IFSC is needed.

Q: What is the difference between IFSC and MICR?
A: IFSC is used for electronic fund routing (NEFT/RTGS/IMPS). MICR (Magnetic Ink Character Recognition), here 800811002, is used mainly for processing paper cheques and clearing by banks.

Q: How can I confirm the IFSC if I am unsure?
A: Confirm by checking a cheque leaf from the account, the bank passbook, or by calling the branch at 9297954900. Use the head office toll-free number 18001807777 for additional confirmation.

Leave a Comment