The Bihar Gramin Bank branch at Alineora is located in Muzaffarpur district, Bihar (PIN 842004). This branch now uses the IFSC code PUNB0MBGB06 for electronic fund transfers. The IFSC is essential for routing online transactions such as NEFT, RTGS and IMPS. Without the correct IFSC and beneficiary account details, a transfer can be delayed, returned, or routed to the wrong branch.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Alineora |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100024 |
| Branch Address | Alineora, MUZAFFARPUR, 842004, 9297955314 |
| Contact Number | 9297955314 |
| City | MUZAFFARPUR |
| District | MUZAFFARPUR |
| Reason | MUZAFFARPUR |
| Pincode | 842004 |
| State | Bihar |
Merger Update
Important: Bihar Gramin Bank branches that were previously under Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB) now operate under Punjab National Bank (PNB) after consolidation. These merged entities use the single IFSC code PUNB0MBGB06 for electronic transactions. Old UBGB and DBGB IFSC codes have been revoked. For NEFT/RTGS/IMPS, use only the new IFSC. Transactions attempted using revoked IFSCs will fail or be returned, so update beneficiary details in your bank or payment app before sending funds.
What is IFSC Code?
An 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 = Punjab National Bank.
- 5th character: Reserved and is always 0 (zero).
- Last 6 characters: Branch identifier. This is alphanumeric and identifies the specific branch.
Example: PUNB0MBGB06 — ‘PUNB’ = bank, ‘0’ = reserved, ‘MBGB06’ = branch code in the IFSC scheme. Note that the internal numeric Branch Code (here 100024) is different from the last six IFSC characters; both can be used by the bank internally for routing and reconciliation.
MICR code (e.g., 800811002) is a 9-digit number printed on cheques. It is used mainly for cheque clearing and is not used for online transfers.
How to Use IFSC Code
Use the IFSC when setting up a beneficiary in netbanking, mobile banking, or at the branch counter. Steps below are typical for most banks and apps:
- Open your bank’s netbanking portal or mobile app and go to Payments or Fund Transfer.
- Choose the transfer type: NEFT, RTGS, or IMPS. IMPS is immediate and available 24×7. NEFT and RTGS are used for different settlement types; check your bank app for availability.
- Select Add Beneficiary (if not already added).
- Enter beneficiary name exactly as in their bank account.
- Enter the beneficiary account number.
- Enter the IFSC code: PUNB0MBGB06 for Bihar Gramin Bank Alineora branch. The app may auto-fill the branch name after a valid IFSC is entered—still verify details.
- Provide account type, and add a purpose or remarks if required.
- Confirm details and complete any additional authentication (OTP, UPI PIN, or transaction password).
- After adding the beneficiary, some banks enforce a waiting period (e.g., 30 minutes to 24 hours) before you can transfer funds to a newly added beneficiary. Check the confirmation message in your app.
Practical tips:
- Always copy-paste the IFSC from a reliable source or verify directly from the beneficiary’s bank passbook/cheque leaf.
- If the app shows a mismatch between IFSC and branch name, stop and verify with the beneficiary.
- For bulk transfers or business reconciliation, maintain a record of IFSC, MICR, and internal branch code to match bank statements.
Benefits of Knowing the IFSC
- Ensures funds reach the correct bank branch quickly and reduces failed transfers.
- Required for all electronic transfers: NEFT, RTGS, and IMPS.
- Helps avoid manual corrections and reversal fees.
- Enables faster reconciliation for businesses using bulk payments.
- Distinguishes between branches with similar names in the same city or district.
Contact
Branch phone: 9297955314
Branch address: Alineora, MUZAFFARPUR, 842004
Head office address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free: 18001807777
FAQs
Q: Can I use any old IFSC for the Alineora branch?
A: No. Use only the current IFSC PUNB0MBGB06. Old IFSCs from UBGB or DBGB are revoked after the merger. Using revoked codes will cause failures or returns.
Q: Which transfer method should I choose — NEFT, RTGS, or IMPS?
A: Use IMPS for immediate small-value transfers available 24×7. Use NEFT for routine transfers; it is widely supported and settled in batches (NEFT is available 24×7 now in most banks). Use RTGS for large-value immediate settlement; banks may have internal limits. Check your bank’s interface for exact cutoffs and limits.
Q: What if I enter a wrong IFSC or account number?
A: If the IFSC is wrong but points to a valid branch, the bank may still route by matching account number and branch. If the account number is wrong, funds may be credited to another customer or returned. Contact your bank immediately. They will initiate a trace and, if eligible, a reversal. Resolution time varies—from a few hours to several days depending on the case.
Q: Is the MICR code required for online transfers?
A: No. MICR (e.g., 800811002) is for cheque clearing. Online transfers use IFSC. However, MICR is useful when issuing cheques or reconciling cheque-based payments.
Q: How can a business reconcile transfers to this branch?
A: Keep a payments file with beneficiary name, account number, IFSC, and internal reference. Match bank statements using transaction reference numbers (UTR). For bulk payments, request a remittance advice and ensure the UTR and beneficiary account are logged for each payment. If a remittance fails, use the UTR to trace the transaction with your bank.
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.