Bihar Gramin Bank Arariya Chowk IFSC Code

The Bihar Gramin Bank branch at Arariya Chowk serves customers in Sitamarhi district, Bihar. This branch uses the IFSC code PUNB0MBGB06 for electronic fund transfers. An accurate IFSC is essential for NEFT, RTGS and IMPS transfers because it uniquely identifies the bank and branch receiving the funds. Using the correct IFSC helps ensure transfers are routed quickly and reduces the risk of failed or misdirected payments.

Branch Details

Bank Name	Bihar Gramin Bank
Branch Name	Arariya Chowk
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	100158
Branch Address	Arariya Chowk, SITAMARHI, 0, 9297955645
Contact Number	9297955645
City	SITAMARHI
District	SITAMARHI
Reason	SITAMARHI
Pincode	0
State	Bihar

Merger Update

If this branch originated from Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB): Both regional gramin banks have been merged into a single banking structure and transactions now use the IFSC code PUNB0MBGB06 under Punjab National Bank (PUNB). Old UBGB and DBGB IFSC codes have been revoked. Only the new IFSC code PUNB0MBGB06 is valid for NEFT, RTGS and IMPS transfers. Any attempt to use deactivated IFSC codes will likely fail or be rejected by the payment system.

What is IFSC Code?

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to identify a bank branch in electronic payment systems. The structure is fixed:

• First 4 characters = bank code (alphabetic). Example: PUNB = Punjab National Bank.
• 5th character = reserved and always 0.
• Last 6 characters = branch identifier (alphanumeric). These designate the specific branch, e.g., MBGB06 in PUNB0MBGB06 identifies the Arariya Chowk/merged branch mapping.

The IFSC ensures the payment gateway and clearing houses route funds to the correct bank branch. The MICR code (e.g., 800811002) is different: it helps in cheque clearing and is not used for electronic transfers.

How to Use IFSC Code for NEFT, RTGS, IMPS

• Log in to your bank’s internet or mobile banking, or visit an ATM/app that supports fund transfers.
• Choose the transfer type: NEFT, RTGS or IMPS. (IMPS is instant 24×7; NEFT and RTGS may have working hours and minimum amount limits.)
• Add a beneficiary: enter beneficiary name, account number, and the IFSC code PUNB0MBGB06. Double-check spelling and account number.
• Verify beneficiary details. Banks often send an OTP to confirm adding a beneficiary.
• Initiate the transfer specifying the amount and transfer mode. For RTGS use when the amount is above the RTGS minimum; NEFT works for other non-instant transfers; IMPS is for immediate transfers (usually up to bank-defined limits).
• Confirm the transaction and note the reference number. Keep the reference until the beneficiary confirms receipt.

Tip: Always verify the IFSC from the payee’s bank document (cheque leaf, passbook) or the branch confirmation. If the IFSC does not match bank records, the transfer may be delayed or reversed.

Benefits of Knowing the IFSC

• Accurate routing: ensures funds reach the right branch quickly.
• Prevents failed transfers and reversals due to incorrect branch details.
• Needed to add beneficiaries for NEFT, RTGS and IMPS.
• Helps reconcile transactions using branch code and MICR for cheques.
• Useful when filling forms that require bank branch identification (salaries, mandates, online payments).

Contact

Branch Phone No: 9297955645

Branch Address: Arariya Chowk, SITAMARHI, 0, 9297955645

Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR

Toll Free: 18001807777

FAQs

• Q: Is PUNB0MBGB06 case-sensitive?
  A: No. IFSC entries are not case-sensitive in most banking interfaces, but it’s standard to use upper-case for clarity: PUNB0MBGB06.
• Q: Can I use an old UBGB or DBGB IFSC I used earlier?
  A: No. The old UBGB/DBGB IFSC codes have been revoked after the merger. Use only the current IFSC PUNB0MBGB06. Transfers using deactivated codes will likely fail.
• Q: What if I enter a wrong IFSC but correct account number?
  A: Payment systems validate the IFSC and account number against bank records. If the IFSC does not match the account’s bank/branch, the transaction may be rejected or returned. Always confirm both account number and IFSC with the beneficiary.
• Q: Where else can I find the IFSC for this branch?
  A: Check the cheque book leaf or passbook for the branch, ask at the branch counter, or use the branch contact number (9297955645) to confirm. Banks also publish IFSC details at their help desks.
• Q: Which transfers are instant?
  A: IMPS is instant and available 24×7 (subject to bank limits). NEFT and RTGS timings depend on bank and clearing windows; RTGS is for larger value real-time gross settlement transfers.