Bihar Gramin Bank ARAI IFSC Code

Bihar Gramin Bank ARAI IFSC Code

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The Bihar Gramin Bank branch at ARAI is located in Aurangabad district, Bihar (PIN 824113). This branch serves local retail and agricultural customers and handles inward and outward fund transfers. For electronic transfers such as NEFT, RTGS and IMPS you must supply a correct IFSC. The IFSC uniquely identifies the destination bank and branch so the payment message routes to the right account without manual intervention.

Branch Details Table

Bank Name Bihar Gramin Bank
Branch Name ARAI
IFSC Code PUNB0MBGB06
MICR Code 800811002
Branch Code 7083
Branch Address ARAI, Aurangabad, 824113, 9771464083
Contact Number 9771464083
City Aurangabad
District Aurangabad
Reason AURANGABAD
Pincode 824113
State Bihar

Merger Update

Important: United Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been reorganised and now operate under Punjab National Bank for electronic clearing. This branch uses the single IFSC PUNB0MBGB06 for NEFT, RTGS and IMPS. Old UBGB or DBGB IFSC codes have been revoked. Only the new IFSC PUNB0MBGB06 is valid for electronic transfers. Always confirm the IFSC before initiating a transfer.

What is IFSC Code?

The Indian Financial System Code (IFSC) is an 11-character alphanumeric code. Its parts are:

  • Characters 1–4: Bank identifier. Example: PUNB = Punjab National Bank.
  • Character 5: Always zero (reserved for future use).
  • Characters 6–11: Branch identifier. Example: MBGB06 is the branch code portion in PUNB0MBGB06.

The IFSC routes electronic messages to a specific bank branch. For cheque clearing, the MICR code (here 800811002) is used instead.

How to Use IFSC Code

Follow these steps when sending money via NEFT, RTGS or IMPS:

  • Open your bank’s netbanking or mobile app. Choose “Fund Transfer” or “Send Money.”
  • Select the transfer type: NEFT, RTGS or IMPS. Use RTGS for large value urgent transfers; IMPS for instant small-value transfers; NEFT for regular transfers.
  • Enter beneficiary details: name, account number and IFSC. For this branch enter PUNB0MBGB06.
  • Confirm the beneficiary name shown by your bank. If the name and account number don’t match, cancel and verify with the recipient.
  • Enter amount and purpose. Review charges if any, then authenticate (OTP/MPIN/password).
  • Save beneficiary for future transfers if you will send repeatedly.

Tip: Check the IFSC on a cheque leaf, passbook, or a bank-issued statement. When banks merge, the IFSC may change. Use only the current IFSC shown by the bank.

Benefits of Knowing the IFSC

  • Ensures funds reach the correct branch and account without manual routing.
  • Required for all electronic transfers: NEFT, RTGS and IMPS.
  • Reduces failed transfers and refund delays caused by incorrect branch details.
  • Makes bulk payroll and vendor payments automatable and auditable.
  • Helps verify branch identity during account linking in apps and payment gateways.

Contact

Branch Phone: 9771464083

Branch Address: ARAI, Aurangabad, 824113

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

Toll Free: 18001807777

FAQs

  • Q: Can I use the old UBGB IFSC to transfer money to this branch?

    A: No. Old UBGB IFSC codes have been revoked after the merger. Use the current IFSC PUNB0MBGB06 for all electronic transfers.

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

    A: If the IFSC does not match the destination bank/branch, the payment may be rejected or routed incorrectly. Rejected payments return to the sender, which can take time. Always verify account number and IFSC together.

  • Q: Is MICR code required for NEFT/RTGS/IMPS?

    A: No. MICR (800811002) is used for cheque clearing by the clearing house. For electronic transfers you must use the IFSC (PUNB0MBGB06).

  • Q: How fast will the money arrive?

    A: IMPS is usually instant. RTGS is typically real-time and used for high-value transfers. NEFT settlements are processed quickly in modern systems, but timing may vary by bank and cut-off rules. Check your sending bank for exact timelines.

  • Q: Where can I verify the IFSC before sending money?

    A: Verify on the recipient’s cheque book, bank passbook entry, or a bank statement. You can also confirm by calling the branch at 9771464083 or the bank’s toll-free number 18001807777.

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