The Bihar Gramin Bank branch at Mohinathpur is located in Mohinathpur village, Madhubani district, Bihar (PIN 847225). This IFSC code guide explains the bank and branch details you need to send and receive electronic fund transfers. For NEFT, RTGS and IMPS transactions, the IFSC code identifies the exact branch and ensures funds reach the correct account without delay.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Mohinathpur |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100331 |
| Branch Address | Mohinathpur, MADHUBANI, 847225, 9297954867 |
| Contact Number | 9297954867 |
| City | MADHUBANI |
| District | MADHUBANI |
| Reason | MADHUBANI |
| Pincode | 847225 |
| State | Bihar |
Merger Update
Important: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged under the sponsor bank, Punjab National Bank. After the merger, branches now operate with a single IFSC format under Punjab National Bank. The valid IFSC for the Mohinathpur branch is PUNB0MBGB06. Old UBGB and DBGB IFSC codes have been revoked. Do not use any previous UBGB/DBGB IFSC codes for transfers. Only the new IFSC is valid for NEFT, RTGS and IMPS transactions.
What is an IFSC Code?
The IFSC (Indian Financial System Code) is an 11-character alphanumeric code that uniquely identifies a bank branch for electronic transfers.
- First 4 characters: Bank identifier (letters). Example: PUNB = Punjab National Bank.
- 5th character: Always 0 (reserved for future use).
- Last 6 characters: Branch identifier (letters or digits). Example: MBGB06 identifies the Mohinathpur branch within the sponsor bank system.
How to Use IFSC Code for NEFT / RTGS / IMPS
- Open your bank’s netbanking or mobile banking app. Select the option to add a beneficiary or payee.
- Enter beneficiary name, account number, and the IFSC code PUNB0MBGB06. Double-check spelling and digits.
- Select the transfer type:
- NEFT: Use for most retail transfers. Typically processed in hourly batches (some banks process near-real-time for online NEFT).
- RTGS: Use for large-value transfers. Banks may require a minimum amount (usually higher than NEFT).
- IMPS: Use for instant transfers, 24×7, suitable for small to medium amounts. Limits depend on the remitter’s bank.
- Enter the amount and remarks if required. Verify all details once more.
- Confirm the transfer using your bank’s authentication (OTP, token, or UPI PIN). Save transaction reference for tracking.
- If you are unsure about the IFSC, call the branch (9297954867) or check a bank statement before initiating the transfer.
Benefits of Knowing the IFSC
- Ensures funds reach the exact branch and account. This reduces failed transfers and returns.
- Makes beneficiary setup quick and accurate in online banking and mobile apps.
- Required for all electronic transfers (NEFT, RTGS, IMPS) and for some online payment forms.
- Helps customer service trace and reconcile transactions using a unique identifier.
- Prevents delays caused by incorrect branch selection when multiple branches share similar names.
Contact
Branch phone no: 9297954867
Branch Address: Mohinathpur, MADHUBANI, 847225
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 a transfer?
A: No. Old UBGB and DBGB IFSC codes have been revoked after the merger. Use only the new IFSC PUNB0MBGB06 for Mohinathpur branch transactions.
Q: How can I verify the IFSC before making a payment?
A: Verify by calling the branch at 9297954867, checking a recent bank passbook/statement, or confirming with the branch head office. Never rely on third-party messages without cross-checking.
Q: What happens if I enter the wrong IFSC?
A: If the IFSC does not match the account details, the transfer may fail or be returned. In some cases, the interbank system may route to the wrong branch if account number matches another branch; this requires bank intervention to recover funds. Always confirm IFSC and account number.
Q: How long do NEFT, RTGS and IMPS transfers take?
A: IMPS is instant and available 24×7. NEFT timing depends on bank batch processing but is commonly processed within hours; many banks now process NEFT in near-real-time. RTGS is for high-value transfers and is usually processed within minutes during service hours. Exact timing depends on both remitter and beneficiary banks.
Q: Is IFSC the same as MICR?
A: No. IFSC identifies a branch for electronic transfers. MICR (Magnetic Ink Character Recognition) is used mainly for cheque processing. Both are useful but serve different purposes.
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.