The Bihar Gramin Bank Mushahari branch is located in Mushahari village, Muzaffarpur district, Bihar (PIN 843121). This branch now operates under the Punjab National Bank IFSC structure for electronic transfers. An accurate IFSC code is essential when you send money by NEFT, RTGS or IMPS. The IFSC directs the payment to the correct bank and branch in the electronic clearing system. Using the wrong code can delay transfers or cause failed transactions.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Mushahari |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100022 |
| Branch Address | Mushahari, MUZAFFARPUR, 843121, 9297955307 |
| Contact Number | 9297955307 |
| City | MUZAFFARPUR |
| District | MUZAFFARPUR |
| Reason | MUZAFFARPUR |
| Pincode | 843121 |
| State | Bihar |
Merger Update
Note: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged into Punjab National Bank for the purpose of electronic payment clearing. This Mushahari branch now uses the single IFSC PUNB0MBGB06 under Punjab National Bank. All old UBGB and DBGB IFSC codes have been revoked. Use only the new IFSC for NEFT, RTGS and IMPS transactions. Transactions attempted with revoked IFSCs will not reach the beneficiary and will be returned or delayed.
What is IFSC Code?
The Indian Financial System Code (IFSC) is an 11-character alphanumeric code used to identify bank branches in electronic payment systems. Its structure is fixed:
- First 4 characters: Bank identifier (example: PUNB = Punjab National Bank).
- 5th character: Always 0 (reserved for future use).
- Last 6 characters: Branch identifier (example: MBGB06 in PUNB0MBGB06 points to the Mushahari branch under the merged structure).
How to Use IFSC Code
Follow these steps when you make a fund transfer using NEFT, RTGS or IMPS:
- Open your bank’s internet banking or mobile app, or visit a branch for an offline transfer.
- Choose the transfer type: NEFT, RTGS or IMPS. (NEFT is for general transfers; RTGS is used for larger-value transfers—confirm bank limits; IMPS is instant and available 24×7.)
- Add a beneficiary. Enter beneficiary name, account number, bank name as shown, and the IFSC PUNB0MBGB06.
- Double-check the IFSC and account number. A single wrong digit can misroute the payment.
- Confirm the transfer amount and any remarks. Authenticate using OTP, MPIN or the method your bank requires.
- Note the transaction reference or UTR. Use it to track or to report any issue to the bank.
- If you maintain a beneficiary list, update the IFSC there if you previously had an old UBGB/DBGB code—replace it with PUNB0MBGB06.
Benefits of Knowing the IFSC
- Ensures transfers route to the exact branch. This reduces failed or delayed transactions.
- Needed to add or update beneficiaries for NEFT, RTGS and IMPS.
- Helps customer service identify transactions quickly using the branch code and UTR.
- Useful for cheque clearing when combined with the MICR code (example: 800811002 for Mushahari).
- Reduces chances of fraud by confirming the correct bank and branch before sending money.
Contact
Branch phone no: 9297955307
Branch Address: Mushahari, MUZAFFARPUR, 843121
Head office address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777
FAQs
Q: Which IFSC should I use for the Mushahari branch?
A: Use PUNB0MBGB06. Old UBGB or DBGB IFSCs are revoked and will not work.
Q: What if I enter the wrong IFSC but correct account number?
A: Most systems route using IFSC and account number together. If the IFSC does not match the account’s branch, the transaction can be rejected or returned. Contact your bank with the transaction UTR to resolve it.
Q: How long do NEFT, RTGS and IMPS transfers take?
A: IMPS is usually instant and available 24×7. NEFT settles in batches and may take from a few minutes to a few hours depending on the queue and time of day. RTGS is for higher-value transfers and typically completes faster, often same-day. Exact timing depends on the sending and receiving banks and clearing cycles.
Q: What is the difference between IFSC and MICR?
A: IFSC is for electronic transfers (NEFT/RTGS/IMPS). MICR is a numeric code used by the clearing system for cheque processing. For Mushahari, IFSC is PUNB0MBGB06 and MICR is 800811002.
Q: How do I update a beneficiary if my bank shows an old UBGB/DBGB IFSC?
A: Delete the old beneficiary entry and add a new one using the IFSC PUNB0MBGB06. Some banks require a cooling period after adding a beneficiary before you can transfer. Keep the beneficiary details correct and confirm with your bank if you face issues.
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.