The Bihar Gramin Bank branch at Manikchouk is located in Sitamarhi district, Bihar. This branch handles local retail and deposit banking for residents and businesses in the area. For electronic fund transfers—NEFT, RTGS, and IMPS—the correct IFSC code is essential. The IFSC identifies the bank and branch so payments route correctly and reach the intended account without delay.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Manikchouk |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100061 |
| Branch Address | Manikchouk, SITAMARHI, 0, 9297954759 |
| Contact Number | 9297954759 |
| City | SITAMARHI |
| District | SITAMARHI |
| Reason | SITAMARHI |
| Pincode | 0 |
| State | Bihar |
Merger Update
Important: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) were merged under the sponsor bank Punjab National Bank to form Bihar Gramin Bank. As a result, old UBGB and DBGB IFSC codes have been revoked. This Manikchouk branch now uses the single IFSC code PUNB0MBGB06 for all NEFT, RTGS, and IMPS transactions. If you have older IFSC details from UBGB/DBGB, do not use them. Use only PUNB0MBGB06 to ensure successful transfers.
What is an IFSC Code?
The Indian Financial System Code (IFSC) is an 11-character alphanumeric code that uniquely identifies a bank branch for electronic payments.
- First 4 characters — bank identifier (for example, PUNB = Punjab National Bank).
- 5th character — reserved and always 0 (zero).
- Last 6 characters — branch identifier (alphanumeric). In PUNB0MBGB06, the last six are MBGB06, which point to the Manikchouk branch under the sponsor bank code.
How to Use the IFSC Code for NEFT, RTGS, IMPS
- Log in to your bank’s internet banking or mobile app, or visit the branch.
- Select the option to add a beneficiary/payee.
- Enter beneficiary name, account number, and the IFSC PUNB0MBGB06. Double-check spelling and digits.
- Choose transfer type: NEFT (batch-based, low value), RTGS (real-time gross settlement, for higher values), or IMPS (instant, 24×7 for smaller amounts).
- Confirm the details and authorize the transfer with your OTP or transaction password.
- Save a transaction reference or UTR for reconciliation. For NEFT/RTGS include the UTR; for IMPS, note the transaction ID.
Benefits of Knowing the IFSC
- Ensures funds are routed to the correct bank branch and account.
- Reduces failed or returned transfers caused by wrong branch details.
- Required for all electronic transfers: NEFT, RTGS, IMPS, and many payment platforms.
- Used for automated reconciliations and bank-to-bank settlements.
- Helps phone or branch staff locate the branch quickly when you give details for support.
Contact
Branch Phone: 9297954759
Branch Address: Manikchouk, SITAMARHI, 0, 9297954759
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll Free No: 18001807777
FAQs
Q: How can I verify that PUNB0MBGB06 is correct before sending money?
A: Verify by checking the branch passbook, a cheque leaf (if provided), or by calling the branch number 9297954759. You can also confirm with your bank’s beneficiary validation step when adding the payee. Never rely on outdated documents that show UBGB/DBGB IFSC codes.
Q: What happens if I enter the wrong IFSC but the correct account number?
A: Banks match IFSC and account number to find the target branch. If the IFSC is incorrect and points to another branch, the transfer may still succeed but go to the wrong branch. If the account number doesn’t exist at the IFSC-specified branch, the transfer will typically be returned and refunded; this can take 1–7 working days depending on the payment system involved.
Q: Are IFSC codes case-sensitive?
A: No. IFSC codes are not case-sensitive. PUNB0MBGB06, punb0mbgb06, or mixed case are treated the same. Still, enter them exactly to avoid typos.
Q: How long do NEFT, RTGS and IMPS transfers take?
A: IMPS is instant (seconds) and available 24×7. RTGS is real-time during RTGS hours and is best for large-value transfers (usually same-day). NEFT processes in hourly or half-hourly batches (depending on the bank) and typically completes within a few hours on the same day. Timings and cut-offs vary by bank.
Q: What is MICR and when is it needed?
A: MICR (Magnetic Ink Character Recognition) code identifies bank branches for cheque processing. The MICR for Manikchouk is 800811002. You need MICR mainly for cheque clearing, not for NEFT/RTGS/IMPS transfers.
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.