The Raghopur Barha branch of Bihar Gramin Bank is located in Raghopur Barha village, Madhubani district, Bihar (PIN 847223). For electronic fund transfers — NEFT, RTGS and IMPS — the branch uses the IFSC code PUNB0MBGB06. Using the correct IFSC ensures funds route to the right bank and branch; an incorrect or revoked IFSC can delay transactions or cause returns.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Raghopur Barha |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100383 |
| Branch Address | Raghopur Barha, MADHUBANI, 847223, 9297954881 |
| Contact Number | 9297954881 |
| City | MADHUBANI |
| District | MADHUBANI |
| Reason | MADHUBANI |
| Pincode | 847223 |
| State | Bihar |
Merger Update
Important: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) were merged under the sponsor bank system and their branches now operate using Punjab National Bank routing for electronic transfers. The consolidated IFSC for affected branches is PUNB0MBGB06. Old UBGB and DBGB IFSC codes have been revoked. For Raghopur Barha branch and other merged branches, use only the new IFSC PUNB0MBGB06 when initiating NEFT, RTGS or IMPS transactions. Transactions with revoked or legacy IFSCs will be rejected or returned.
What is IFSC Code?
The Indian Financial System Code (IFSC) is an 11-character alphanumeric code that uniquely identifies a bank branch for electronic funds transfer. Its structure:
- First 4 characters: Alphabetic bank code (example: PUNB for Punjab National Bank).
- 5th character: Always the digit 0 (reserved for future use).
- Last 6 characters: Branch identifier (alphanumeric). In this case MBGB06 for the Raghopur Barha routing under PNB).
Example: PUNB0MBGB06 = PUNB (bank) + 0 (reserved) + MBGB06 (branch).
How to Use IFSC Code for NEFT, RTGS and IMPS
Follow these practical steps when transferring funds:
- Open your bank’s netbanking, mobile app or visit a branch.
- Choose the transfer type: NEFT (retail), RTGS (large-value, typically above bank threshold), or IMPS (instant, 24×7).
- Add beneficiary details: name, account number and IFSC PUNB0MBGB06 for Raghopur Barha.
- Verify the beneficiary by confirming the returned bank/branch name shown by the system before saving.
- Enter amount and narration. For RTGS check the minimum amount limit set by your bank.
- Authenticate the transfer (OTP, token, netbanking password). Keep the transaction reference number for tracking.
- If you receive an error or beneficiary name mismatch, do not proceed until you confirm the correct IFSC and account number with the recipient.
Benefits of Knowing the Correct IFSC
- Ensures funds route to the exact branch and account without manual intervention.
- Prevents delays, reversals and additional banks’ processing charges due to wrong routing.
- Makes beneficiary setup faster and reduces failed transfer attempts.
- Required for filling online transfer forms and for many payment gateways and billers.
- Helps verify the beneficiary branch (bank name and city) before confirming the transfer.
Contact
Branch phone no: 9297954881
Branch Address: Raghopur Barha, MADHUBANI, 847223
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777
FAQs
Q: Is PUNB0MBGB06 the only valid IFSC for Raghopur Barha branch?
A: Yes. Use PUNB0MBGB06 for all NEFT, RTGS and IMPS transfers to this branch. If this branch previously used a different code under UBGB/DBGB, that old code is revoked after the merger; do not use it.
Q: How can I verify the IFSC before sending money?
A: Verify by checking the beneficiary details screen in your bank app (it usually shows bank name and branch after you enter IFSC). You can also confirm the IFSC and branch address with the recipient or call the branch at 9297954881.
Q: What happens if I enter the wrong IFSC but correct account number?
A: If the wrong IFSC points to a different branch or bank, the system may reject the transfer, or the funds may be misrouted. Most systems match both IFSC and account number; mismatch typically causes return of funds. Contact your bank immediately with the transaction reference to initiate tracing.
Q: How long do NEFT, RTGS and IMPS transfers take?
A: IMPS is instant (seconds) and available 24×7. NEFT settlements are usually processed in batches and can take from a few minutes to a couple of hours depending on the bank and time of day. RTGS is real-time but applies to high-value transactions (check your bank’s minimum threshold); RTGS transfers typically complete within minutes during banking hours.
Q: What is the difference between IFSC and MICR?
A: IFSC (11 characters) is used for electronic transfers (NEFT/RTGS/IMPS). MICR (9 digits, here 800811002) is used primarily for processing physical cheques through the clearing system. Both identify branches, but for electronic transfers you must use IFSC.
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.