Baruraj is a village locality in Muzaffarpur district, Bihar (PIN 843132). The Bihar Gramin Bank branch at Baruraj serves local residents and small businesses for savings, deposits, loans, and digital transfers. For any electronic fund transfer—NEFT, RTGS or IMPS—you must use the correct IFSC code. The IFSC uniquely identifies the bank and branch and routes funds to the right account. Using a wrong or revoked IFSC will delay the payment or cause it to be returned.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Baruraj |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100169 |
| Branch Address | Baruraj, MUZAFFARPUR, 843132, 9297955309 |
| Contact Number | 9297955309 |
| City | MUZAFFARPUR |
| District | MUZAFFARPUR |
| Reason | MUZAFFARPUR |
| Pincode | 843132 |
| State | Bihar |
Merger Update
Important: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) were consolidated under a single operating IFSC. The merged entity now uses the IFSC PUNB0MBGB06 mapped under Punjab National Bank routing. Old UBGB and DBGB IFSC codes have been revoked. Use only the new IFSC PUNB0MBGB06 for NEFT, RTGS and IMPS transactions to this branch. Transactions made using revoked IFSCs will be returned or delayed.
What is IFSC Code?
The IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to route electronic payments. Its structure is fixed:
- First 4 characters = bank code (letters). Example: PUNB stands for Punjab National Bank.
- 5th character = 0 (reserved by RBI).
- Last 6 characters = branch identifier (alphanumeric). Example: MBGB06 in PUNB0MBGB06 identifies the specific branch.
How to Use IFSC Code
Use the IFSC code whenever you set up a fund transfer. Steps for common channels:
- Internet Banking / Mobile App:
- Choose beneficiary / add new payee.
- Enter beneficiary name, account number and bank branch IFSC (PUNB0MBGB06).
- Confirm details and authorize with OTP or transaction PIN.
- Bank Branch Counter:
- Fill the fund transfer form with beneficiary account number and IFSC (PUNB0MBGB06).
- Submit ID if required and collect the receipt with UTR for tracking.
- UPI / IMPS: For UPI you usually need only the VPA. For IMPS, enter account number and IFSC as above for immediate 24×7 transfers.
- Double-check: Verify account number and IFSC before confirming. A single wrong digit in account number or incorrect IFSC can misroute funds.
Benefits of Knowing the IFSC
- Ensures funds reach the correct branch and account without delay.
- Required for NEFT, RTGS and IMPS payments and for adding beneficiaries in digital banking.
- Makes reconciliation easier for businesses and accountants.
- Helps bank staff locate branch electronically when handling inward remittances.
- Prevents failed or returned transactions caused by revoked or incorrect codes.
Contact
Branch phone no: 9297955309
Branch Address: Baruraj, MUZAFFARPUR, 843132
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777
FAQs
1. Can I use an old UBGB or DBGB IFSC to send money to this branch?
No. Old UBGB/DBGB IFSCs have been revoked after the merger. Use only PUNB0MBGB06. Transactions sent to revoked IFSCs will be returned or delayed.
2. Is IFSC case-sensitive?
No. IFSC is not case-sensitive. Entering PUNB0MBGB06 or punb0mbgb06 is treated the same by payment systems, but use uppercase for clarity.
3. What is the difference between IFSC and MICR?
IFSC routes electronic transfers (NEFT/RTGS/IMPS). MICR (Magnetic Ink Character Recognition) is a 9-digit code used for processing cheques and clearing physical instruments. For electronic transfers use IFSC; for cheque clearing MICR is used.
4. What should I do if I accidentally used the wrong IFSC?
Contact your bank immediately with transfer details and UTR/transaction reference. If the IFSC was invalid or revoked, the funds are normally returned after reconciliation. Prompt action speeds resolution.
5. How can I verify this IFSC before sending money?
Check the branch details printed on your passbook or cheque leaf, or call the branch at 9297955309. Also confirm head office or toll-free number if in doubt: 18001807777.
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.