Bihar Gramin Bank Araha IFSC Code

Araha is a bank branch location in Jamui district, Bihar (PIN 811301). This branch serves local customers for deposits, withdrawals and electronic fund transfers. For any NEFT, RTGS or IMPS transfer to an account at this branch you must use the correct IFSC code. The IFSC routes the payment to the right bank and branch and ensures transfers complete quickly and without misdirection.

Branch Details Table

Merger Update

Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged under Punjab National Bank for operational and IT consolidation. As part of that reorganization, branches now operate under the single IFSC PUNB0MBGB06. Old IFSC codes issued to UBGB/DBGB have been revoked. For any NEFT/RTGS/IMPS transaction to this branch, use only the new IFSC PUNB0MBGB06. Transactions sent to revoked or 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 route electronic payments. Its structure is fixed:

• First 4 characters: Bank identifier (alphabetic). Example: PUNB = Punjab National Bank.
• 5th character: Always 0 (reserved).
• Last 6 characters: Branch identifier (alphanumeric). Example: MBGB06 for this branch code segment.

So, PUNB0MBGB06 breaks down as PUNB (bank) + 0 + MBGB06 (branch).

How to Use IFSC Code

Use the IFSC when adding a beneficiary in netbanking, mobile banking or at a bank branch. Steps:

1. Select the transfer type: NEFT, RTGS or IMPS. (IMPS is instant 24×7. RTGS and NEFT are also available round-the-clock in current systems.)
2. Choose “Add Beneficiary” or “New Payee”.
3. Enter beneficiary name, account number and the IFSC: PUNB0MBGB06.
4. Provide the beneficiary branch details (Araha, Jamui) if required by the form.
5. Verify the details and save. Most banks require OTP or additional verification to approve a new beneficiary.
6. Initiate the transfer, enter amount and confirm. Keep the transaction reference for tracking.

Precautions: double-check account number and IFSC before confirming. A wrong account number can route funds to another customer even if the IFSC is correct. If you are unsure, call the branch at 7061383142 to confirm details before sending large amounts.

Benefits of Knowing the IFSC

• Ensures funds reach the correct branch and account without delay.
• Required for NEFT, RTGS and IMPS beneficiary setup and transfers.
• Makes electronic transfers faster and reduces the need for manual intervention.
• Helps when filling cheque deposit slips or bank forms that ask for branch identifiers.
• Useful for merchant payouts, salaries and recurring transfers where precision matters.

Contact Section

Branch Phone: 7061383142

Branch Address: Araha, Jamui, 811301, 7061383142

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

Toll Free: 18001807777

FAQs

• Q: Is PUNB0MBGB06 the correct IFSC for Araha branch?

  A: Yes. Use PUNB0MBGB06 for NEFT, RTGS and IMPS to the Araha branch (Bihar Gramin Bank) in Jamui.

• Q: What happens if I use an old UBGB or DBGB IFSC?

  A: Old UBGB/DBGB IFSCs have been revoked after the merger. Transactions sent to revoked IFSCs will fail or be returned. Always use the new IFSC PUNB0MBGB06.

• Q: Is IFSC case-sensitive?

  A: Systems typically expect IFSC in uppercase. Entering lowercase usually works because systems normalize input, but use uppercase (PUNB0MBGB06) to avoid issues.

• Q: What is the difference between IFSC and MICR?

  A: IFSC routes electronic payments (NEFT/RTGS/IMPS). MICR (here 800811002) is used mainly for cheque clearing and is printed on cheque leaves. They serve different clearing systems.

• Q: I entered the wrong IFSC but correct account number. Will money go to the right account?

  A: If IFSC and account number point to different branches, banks route based on both fields. Many systems use IFSC to identify the destination branch. If the account number exists under the branch identified by the IFSC, funds will go through. If not, the transfer may fail. Always verify both IFSC and account number; contact the branch at 7061383142 if unsure.

Kriti Kumari

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.