Bihar Gramin Bank Darauli IFSC Code

The Bihar Gramin Bank Darauli branch is located in Darauli town, District Siwan, Bihar (PIN 841234). For anyone sending or receiving money to this branch, the correct IFSC code is essential. The IFSC uniquely identifies the bank and branch for electronic fund transfers such as NEFT, RTGS and IMPS. Using the right IFSC ensures your transfer is routed correctly and avoids delays or returns.

Branch Details

Bank Name	Bihar Gramin Bank
Branch Name	Darauli
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	100634
Branch Address	Darauli, SIWAN, 841234, 9297954503
Contact Number	9297954503
City	SIWAN
District	SIWAN
Reason	SIWAN
Pincode	841234
State	Bihar

Merger Update

Important: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged into Punjab National Bank. After the merger, the consolidated branches now use the single IFSC code PUNB0MBGB06 under Punjab National Bank for electronic transfers. Old UBGB and DBGB IFSC codes have been revoked. For NEFT/RTGS/IMPS transactions, only the new IFSC PUNB0MBGB06 is valid. Using any revoked or old IFSC can cause failed or returned transfers.

What is IFSC Code?

IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code that uniquely identifies a bank branch in India for electronic payments. The structure is:

• First 4 characters: Bank identifier (for example, PUNB = Punjab National Bank).
• 5th character: Always ‘0’ (reserved for future use).
• Last 6 characters: Branch identifier (alphanumeric, identifies the specific branch).

Example: In PUNB0MBGB06, “PUNB” is the bank, “0” is the reserved character, and “MBGB06” is the branch code segment used by the bank to identify the Darauli/merged-branch mapping.

How to Use IFSC Code

Follow these steps to complete an electronic transfer (NEFT / RTGS / IMPS):

• Add beneficiary: In your bank’s netbanking or mobile app, go to “Add Beneficiary” or “Manage Beneficiary”.
• Enter details: Provide beneficiary name, account number, and the IFSC PUNB0MBGB06. Double-check the account number and IFSC before saving.
• Verify beneficiary: Most banks send an OTP or require branch approval. Complete that step to activate the beneficiary.
• Choose transfer type: Select NEFT, RTGS or IMPS depending on urgency and amount. IMPS is immediate and available 24×7 for smaller amounts. RTGS settles funds individually and is used for high-value, immediate settlement. NEFT is now available 24×7 and settles transactions in scheduled batches.
• Enter amount & purpose: Give the transfer amount and any remarks required by the form.
• Authenticate: Authorize the transaction with OTP / token / netbanking credentials.
• Save reference: Note the transaction reference or UTR. Use it to track the transfer or raise queries.

Tip: If you are unsure which transfer type to use, ask your bank about cut-off times, minimum/maximum limits, and charges for NEFT, RTGS and IMPS.

Benefits of Knowing the IFSC

• Keeps electronic transfers accurate and fast. The right IFSC routes money to the correct branch.
• Prevents returns and delays caused by incorrect branch identification.
• Required when adding a beneficiary in internet or mobile banking and when generating pre-filled electronic mandates.
• Helps customer support trace the transfer using the branch code embedded in the IFSC.
• Useful for reconciling receipts and linking payments to branch records (cheque clearing uses MICR alongside IFSC for electronic flows).

Contact

Branch phone: 9297954503

Branch Address: Darauli, SIWAN, 841234

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

Toll free no: 18001807777

FAQs

• Q: Can I use the MICR code instead of IFSC for NEFT/RTGS/IMPS?

  A: No. MICR is used mainly for cheque clearing. For online electronic transfers you must use the IFSC. MICR does not route electronic transfers in the payment systems used by banks.

• Q: Where else can I find the correct IFSC for this branch?

  A: Check the bank’s printed cheque leaves, the branch passbook, or ask the branch directly. After mergers, banks update IFSC details in their systems—confirm with the branch if you see multiple codes. Remember: for this branch the valid code is PUNB0MBGB06.

• Q: What happens if I enter the wrong IFSC?

  A: If the IFSC points to a valid but different branch, the money may be credited to that other account if the account number matches. If the IFSC is invalid, the transaction will usually fail and be returned to the sender’s account. Contact your bank immediately with the transaction reference if you suspect a mistake.

• Q: Are old UBGB / DBGB IFSC codes still usable?

  A: No. After the merger into Punjab National Bank, old UBGB and DBGB IFSC codes have been revoked. Only the new IFSC PUNB0MBGB06 is valid for transactions to this merged branch network.

• Q: How long do transfers take—NEFT, RTGS, IMPS?

  A: IMPS is immediate (seconds). RTGS provides real-time gross settlement and completes quickly for high-value transfers. NEFT is available 24×7 and usually settles quickly; banks may implement scheduled settlements. Exact timing can vary by bank and time of day—check with your bank for expected settlement windows and any applicable cut-offs.