Narma is a locality in Muzaffarpur district, Bihar. This branch serves customers in and around Narma for deposits, withdrawals, and local banking services. For electronic fund transfers like NEFT, RTGS, and IMPS, the IFSC code is essential. It tells the payment system which bank and which branch should receive the funds. Using the correct IFSC avoids delays, rejections, or misrouting of payments.
Branch Details
| Field | Details |
|---|---|
| Bank Name | Bihar Gramin Bank |
| Branch Name | Narma |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 108083 |
| Branch Address | Narma, MUZAFFARPUR, 842001, 9297955695 |
| Contact Number | 9297955695 |
| City | MUZAFFARPUR |
| District | MUZAFFARPUR |
| Reason | MUZAFFARPUR |
| Pincode | 842001 |
| State | Bihar |
Merger Update
Bihar Gramin Bank branches that belonged to Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB) have been consolidated under Punjab National Bank for electronic payments. The consolidated IFSC to use now is PUNB0MBGB06. Old UBGB and DBGB IFSC codes are revoked. For any NEFT, RTGS, or IMPS transfer, use only the new IFSC PUNB0MBGB06. Transactions submitted with old IFSCs will fail or be returned.
What is IFSC Code?
The IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to identify bank branches in electronic payment systems.
- First 4 characters: Bank identifier. Example: PUNB stands for Punjab National Bank.
- 5th character: Always 0 (reserved for future use).
- Last 6 characters: Branch identifier. Example: MBGB06 identifies the specific merged branch code.
How to Use IFSC Code
Follow these steps when sending money by NEFT, RTGS, or IMPS:
- Open your bank’s netbanking or mobile app, or visit a branch if you prefer.
- Choose the fund transfer option: NEFT, RTGS, or IMPS depending on urgency and availability.
- Enter beneficiary name and account number exactly as provided.
- Enter the IFSC code: PUNB0MBGB06 for Bihar Gramin Bank, Narma branch.
- Provide the beneficiary’s branch name only for your records; the IFSC routes the payment.
- Enter amount and purpose. Review all details carefully before confirming.
- Authenticate the transaction (OTP, token, or transaction password) as required by your bank.
Example: To add beneficiary “Ramesh Kumar” with account 1234567890 at Narma, enter account number, IFSC PUNB0MBGB06, and then initiate an NEFT/IMPS transfer.
Benefits of Knowing the IFSC
- Ensures payments reach the correct bank branch quickly.
- Prevents failed or returned transactions due to wrong routing.
- Makes adding beneficiaries to netbanking or mobile apps accurate and fast.
- Required for all electronic transfers: NEFT, RTGS, IMPS.
- Helps customer support locate the branch for reconciliation or dispute resolution.
Contact
Branch phone no: 9297955695
Branch Address: Narma, MUZAFFARPUR, 842001, Bihar
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777
FAQs
Q: Is PUNB0MBGB06 the correct IFSC for Bihar Gramin Bank Narma?
A: Yes. Use PUNB0MBGB06 for all NEFT, RTGS, and IMPS transactions to the Narma branch.
Q: I have an old UBGB IFSC. Can I still use it?
A: No. Old UBGB/DBGB IFSC codes have been revoked after the merger. Use the consolidated IFSC PUNB0MBGB06.
Q: What happens if I enter the wrong IFSC?
A: If the IFSC does not match the account details, the payment may fail or be returned. In rare cases, the payment may go to a different branch if the account number matches another branch; that complicates recovery. Always verify IFSC and account number before sending funds.
Q: Can I transfer money without IFSC using only account number and branch name?
A: Most online systems require IFSC. Some banks may allow manual processing at a branch using account number and branch, but this is slower and less reliable. Always use IFSC for electronic transfers.
Q: Which transfer method should I choose: NEFT, RTGS, or IMPS?
A: Use IMPS for instant small-value transfers available 24×7. NEFT works in hourly batches and is reliable for routine transfers. RTGS is for high-value payments that need real-time settlement. Choose based on urgency and amount.
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.