Pokhraira is a village locality in Muzaffarpur district, Bihar (PIN 843106). This article gives the complete IFSC and branch details you need for electronic fund transfers. The IFSC code is essential for routing NEFT, RTGS and IMPS transactions. Entering the correct IFSC (and account number) ensures your money reaches the exact branch and account without delays or returns.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Pokhraira |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100180 |
| Branch Address | Pokhraira, MUZAFFARPUR, 843106, 7979804824 |
| Contact Number | 7979804824 |
| City | MUZAFFARPUR |
| District | MUZAFFARPUR |
| Reason | MUZAFFARPUR |
| Pincode | 843106 |
| State | Bihar |
Merger Update
Important: The regional rural banks Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) were merged and now operate under a single IFSC code issued through Punjab National Bank. Use only the IFSC PUNB0MBGB06 for NEFT/RTGS/IMPS to this branch. Old UBGB and DBGB IFSC codes have been revoked. If you try to use an old IFSC, the transaction will likely fail or be returned. Always confirm the IFSC before initiating a transfer.
What is IFSC Code?
The IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to uniquely identify a bank branch in electronic payment systems.
- First 4 characters — identify the bank. Example: PUNB indicates Punjab National Bank.
- 5th character — is always 0 (reserved).
- Last 6 characters — identify the specific branch. Example: MBGB06 in PUNB0MBGB06.
How to Use IFSC Code
Follow these steps when sending money via NEFT, RTGS or IMPS:
- Open your bank’s netbanking portal, mobile app, or visit the branch counter.
- Choose the transfer type: NEFT, RTGS or IMPS. (RTGS is for high-value transfers; check your bank for current limits.)
- Enter the beneficiary’s name, account number, and the IFSC PUNB0MBGB06.
- Double-check the account number and IFSC. A single wrong character can route funds incorrectly.
- Save the beneficiary (if offered) and authenticate the transfer using OTP or your bank’s security method.
- Keep the transaction reference/UTR for tracking and reconciliation.
Tip: Use the IFSC exactly as shown (upper case) and verify the beneficiary name returned by your bank before confirming the transfer.
Benefits of Knowing the IFSC
- Ensures accurate routing of electronic fund transfers (NEFT/RTGS/IMPS).
- Reduces errors and failed transactions caused by incorrect branch identification.
- Makes it easy to add beneficiaries in netbanking and mobile apps.
- Required for online payments, vendor payouts and salary disbursements.
- Helps customer support quickly trace transactions using IFSC + account number + UTR.
Contact
Branch Phone: 7979804824
Branch Address: Pokhraira, MUZAFFARPUR, 843106
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll Free: 18001807777
FAQs
Q: Can I use the old UBGB IFSC for transfers to this Pokhraira branch?
A: No. Old UBGB/DBGB IFSC codes have been revoked after the merger. Use only PUNB0MBGB06 for any electronic transfer to this branch.
Q: What is the difference between IFSC and MICR?
A: IFSC routes electronic transfers (NEFT/RTGS/IMPS). MICR (Magnetic Ink Character Recognition) is a 9-digit code used for cheque clearing. For online transfers you need IFSC; for cheque processing you may need MICR (here: 800811002).
Q: The netbanking portal shows a different branch name for this IFSC. What should I do?
A: Banks sometimes display alternate names. Confirm the IFSC, account number and beneficiary name with the recipient. If unsure, contact the branch at 7979804824 or the head office toll-free 18001807777.
Q: How can I verify this IFSC before making a payment?
A: Verify the IFSC from the beneficiary’s bank statement, cheque leaf, the branch directly, or your bank’s beneficiary verification step (which often shows the branch name after you enter IFSC + account number). Always check the beneficiary name that the bank shows before confirming.
Q: My transfer failed mentioning “invalid IFSC”. What now?
A: If the bank says the IFSC is invalid, re-check for typos. Ensure you are using the correct, updated IFSC PUNB0MBGB06. If it still fails, call the branch at 7979804824 or the toll-free number 18001807777 for support. Keep transaction reference details handy.
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.