The Bihar Gramin Bank branch at Amaitha serves customers in Muzaffarpur district of Bihar (Pincode 843123). For electronic fund transfers — NEFT, RTGS and IMPS — the branch uses a specific IFSC code. The IFSC identifies the bank and the exact branch for routing payments. Entering the correct IFSC ensures timely credit to the beneficiary account and avoids failed or returned transactions.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Amaitha |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100156 |
| Branch Address | Amaitha, MUZAFFARPUR, 843123, 9297955315 |
| Contact Number | 9297955315 |
| City | MUZAFFARPUR |
| District | MUZAFFARPUR |
| Reason | MUZAFFARPUR |
| Pincode | 843123 |
| State | Bihar |
Merger Update
Important: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) were merged under Punjab National Bank’s structure. As part of that reorganisation, branches now use the single IFSC PUNB0MBGB06 under Punjab National Bank. Old UBGB and DBGB IFSC codes have been revoked and are no longer valid for electronic transfers. Customers should:
- Use only PUNB0MBGB06 for NEFT, RTGS and IMPS to this branch.
- Update saved beneficiary records in netbanking and mobile apps to the new IFSC.
- Verify standing instructions, ECS mandates and third‑party payment mandates—update them where required.
What is IFSC Code?
The IFSC (Indian Financial System Code) is an 11‑character alphanumeric code used to identify a specific bank branch in electronic transfers. Its structure is:
- First 4 characters – bank identifier (example: PUNB = Punjab National Bank).
- 5th character – reserved and is always 0.
- Last 6 characters – branch identifier (alphanumeric), unique to the branch (example: MBGB06).
So for PUNB0MBGB06: PUNB = bank code, 0 = reserved, MBGB06 = Amaitha branch identifier under the consolidated structure.
How to Use IFSC Code
When you transfer money using NEFT, RTGS or IMPS, follow these steps:
- Open your bank’s internet banking, mobile app or visit the branch counter.
- Choose the transfer type (NEFT/RTGS/IMPS). IMPS is instant and available round the clock; NEFT settles in system batches; RTGS is for real‑time large value payments.
- Enter the beneficiary account number exactly as provided.
- Enter beneficiary name (as a check) and the IFSC code PUNB0MBGB06. The bank system uses IFSC to route the payment to the exact branch.
- Enter amount and any narration/remarks required.
- Verify details on screen: account number and IFSC are critical. A single wrong digit in account number or wrong IFSC can delay or misroute funds.
- Authenticate the transaction (OTP, token, PIN) and submit. Note transaction confirmation and reference number for tracking.
Tip: For first‑time beneficiaries, transfer a small amount first to confirm details before sending larger sums.
Benefits of Knowing the IFSC
- Accurate routing: Ensures funds reach the correct branch and account without manual intervention.
- Saves time: Electronic transfers (NEFT/RTGS/IMPS) are faster when the correct IFSC is used.
- Reduces errors: Entering the right IFSC lowers the chance of failed or returned transactions.
- Necessary for online banking: Most forms require IFSC for beneficiary setup and IMPS/NEFT/RTGS transfers.
- Useful for verification: Cross‑check cheques, bank forms and beneficiary details with MICR and branch code to avoid fraud.
Contact
Branch Phone: 9297955315
Branch Address: Amaitha, MUZAFFARPUR, 843123
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll Free: 18001807777
FAQs
Q: Can I use an old UBGB IFSC to send money to Amaitha branch?
A: No. Old UBGB IFSC codes have been revoked. Use the new IFSC PUNB0MBGB06 for all electronic transfers to this branch.
Q: What happens if I enter the wrong IFSC but correct account number?
A: Most bank systems match both account number and IFSC. If IFSC points to a different bank, the transfer may fail or be returned. If IFSC matches but account number is wrong, funds could go to another account in the same branch. Always double‑check both fields.
Q: What is MICR and how is it different from IFSC?
A: MICR (Magnetic Ink Character Recognition) code is a 9‑digit number used mainly to speed up cheque processing. IFSC is an 11‑character code used for electronic fund transfers. For Amaitha: MICR = 800811002, IFSC = PUNB0MBGB06.
Q: Do I need to update standing instructions or ECS mandates because of the merger?
A: Yes. After bank consolidations, check with your originating bank whether mandates continue to work. Update beneficiary IFSC or bank details if required to avoid failed debits or credits.
Q: How can I verify this IFSC before sending money?
A: Verify the IFSC on cheque leaves issued by the branch, bank communications, or by calling the branch phone (9297955315) or the bank’s toll‑free number (18001807777). Always confirm the full IFSC (PUNB0MBGB06) before initiating the transfer.
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.