Dharfari is a village in Muzaffarpur district, Bihar (PIN 843120). The local Bihar Gramin Bank branch at Dharfari supports local farmers, traders, and households with deposit and remittance services. For electronic fund transfers—NEFT, RTGS, and IMPS—the IFSC code is essential. It tells the sender’s and receiver’s banks how to route a transfer so funds arrive at the correct branch quickly and securely.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Dharfari |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100129 |
| Branch Address | Dharfari, MUZAFFARPUR, 843120, 9297955345 |
| Contact Number | 9297955345 |
| City | MUZAFFARPUR |
| District | MUZAFFARPUR |
| Reason | MUZAFFARPUR |
| Pincode | 843120 |
| State | Bihar |
Merger Update
Important: The regional rural banks in Bihar were reorganised and now operate under Punjab National Bank for electronic clearing. Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been consolidated and the new single IFSC code in use is PUNB0MBGB06. Old UBGB and DBGB IFSC codes have been revoked. For any NEFT, RTGS or IMPS transfer to this area, use only the new IFSC PUNB0MBGB06. Transactions attempted with old IFSCs will not be routed and may be returned.
What is IFSC Code?
The IFSC (Indian Financial System Code) is an 11-character code used to route electronic payments to a specific bank branch.
- First 4 characters — bank identifier. Example: PUNB = Punjab National Bank.
- Fifth character — always zero (reserved for future use).
- Last 6 characters — branch identifier. Example: MBGB06 points to the Dharfari / merged-branch mapping.
So PUNB0MBGB06 breaks down as: PUNB | 0 | MBGB06.
How to Use IFSC Code (NEFT / RTGS / IMPS)
- Open your bank’s netbanking portal or mobile app and choose “Fund Transfer”.
- Select the transfer type: IMPS (instant, 24×7, small amounts), NEFT (batch, nearly round-the-clock), or RTGS (real-time, for high-value payments).
- Add beneficiary details: name, account number, and IFSC = PUNB0MBGB06. Enter the MICR only if required by your bank for cheque processing: 800811002.
- Confirm the account number and IFSC carefully. A wrong IFSC can route funds to a different branch or trigger a transfer failure.
- Enter amount and purpose. Check charges and limits shown by your bank before confirming.
- Authenticate the transfer with OTP or fund password. Save the transaction reference for tracking.
- For RTGS, ensure amount meets the bank’s minimum (usually ₹2 lakh, but check your bank). For IMPS, instant confirmation is typical; for NEFT, expect batch settlements.
Benefits of Knowing the IFSC
- Accurate routing: ensures money reaches the correct branch and account.
- Faster processing: systems use IFSC to pick the right clearing path.
- Error handling: entering the right IFSC reduces failed or returned transactions.
- Required for online forms: mandatory field in most bank transfer and beneficiary setups.
- Useful for cheque processing and bank reconciliation when combined with MICR and branch code.
Contact
Branch Phone: 9297955345
Branch Address: Dharfari, MUZAFFARPUR, 843120
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll Free: 18001807777
FAQs
Q: Can I use an old UBGB or DBGB IFSC for transfers?
A: No. Old UBGB and DBGB IFSCs have been revoked. Use only PUNB0MBGB06 for transfers to this Dharfari branch.
Q: What happens if I enter the wrong IFSC but the correct account number?
A: Most systems validate the IFSC and account number together. A wrong IFSC can route the payment to a different branch or cause the transfer to fail and be returned. Always double-check both fields before confirming.
Q: Is IFSC case-sensitive?
A: No. IFSC processing is not case-sensitive, but enter it exactly to avoid typos: PUNB0MBGB06.
Q: What is MICR and when do I need it?
A: MICR (Magnetic Ink Character Recognition) is a 9-digit code used for cheque clearing. For this branch it is 800811002. You usually don’t need MICR for online transfers, but banks may use it for cheque processing and reconciliation.
Q: How long do NEFT, RTGS and IMPS transfers take?
A: IMPS is instant (seconds). RTGS is real-time—suitable for high-value transfers and usually instant. NEFT is settled in half-hourly or hourly batches depending on the service hours; many banks now offer near real-time NEFT during working hours. Bank cut-offs and holidays affect timings.
Q: Where can I find the IFSC on my cheque?
A: IFSC is printed on the cheque leaf—usually on the top right or near the bank branch details. It may also appear on the bank passbook or account opening documents.
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.