Bihar Gramin Bank Aurai IFSC Code

Aurai is a town in the Muzaffarpur district of Bihar. This article gives the IFSC and contact details for the Bihar Gramin Bank, Aurai branch. The IFSC code is required when you transfer funds electronically using NEFT, RTGS or IMPS. It identifies the bank and the specific branch so the payment routes correctly and reaches the intended account without delay.

Branch Details

Merger Update

Bihar Gramin Bank now operates under a unified arrangement with Punjab National Bank for electronic payments. The IFSC code for Aurai branch is PUNB0MBGB06. Note: the two earlier rural banks—Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB)—have been merged into the current structure and their old IFSC codes have been revoked. For NEFT/RTGS/IMPS use the single IFSC PUNB0MBGB06; any old UBGB or DBGB IFSC code will not work for electronic transfers.

What is IFSC Code?

IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code used to identify bank branches for electronic fund transfers. The structure is fixed:

• First 4 characters — bank code (letters). Example: PUNB = Punjab National Bank.
• 5th character — reserved, always 0 (zero).
• Last 6 characters — branch identifier (alphanumeric). Example: MBGB06 identifies this specific branch.

So for PUNB0MBGB06: PUNB = bank, 0 = reserved, MBGB06 = Aurai branch code.

How to Use IFSC Code

Use the IFSC when you add a beneficiary in online banking, mobile banking or at a bank branch. Follow these steps:

1. Open your bank’s netbanking or mobile app and go to “Add Beneficiary” or “Manage Payees”.
2. Enter beneficiary name and account number exactly as given by the recipient.
3. Enter the IFSC code: PUNB0MBGB06. Verify it carefully—one wrong character can misroute the payment.
4. Choose transfer type: NEFT, RTGS or IMPS. (Banks may show guidelines or minimum/maximum limits. Check your bank for cut-off times and limits.)
5. Confirm details and authorize the transfer using OTP, transaction password or other authentication required by your bank.
6. After transfer, note the transaction reference number and check beneficiary account for credit. Save confirmation for records.

Benefits of Knowing the IFSC

• Ensures electronic funds are routed to the correct bank and specific branch.
• Required for NEFT, RTGS and IMPS transfers—helps avoid failed or delayed transactions.
• Useful when filling bank forms, receiving salary or subsidies, or setting up vendor/customer payments.
• Speeds up beneficiary addition in netbanking or mobile apps because the system validates the code.
• Reduces risk of funds going to wrong branch if details are entered correctly along with the account number.

Contact

Branch phone: 9297955316
Branch address: Aurai, MUZAFFARPUR, 843312
Head office address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free: 18001807777

FAQs

• Q: Can I use the old UBGB or DBGB IFSC to send money?

  A: No. Old UBGB/DBGB IFSC codes have been revoked after the merger. Use the new IFSC PUNB0MBGB06 for electronic transfers to this branch.

• Q: Where can I find the IFSC on a cheque?

  A: The IFSC is usually printed on the cheque leaf near the top or on the cheque’s MICR line area. Banks also list IFSC on passbooks and account statements.

• Q: Is the IFSC case-sensitive?

  A: No. IFSC is alphanumeric but not case-sensitive. Still, enter it exactly as provided to avoid errors.

• Q: What happens if I enter the wrong IFSC but correct account number?

  A: If the IFSC points to a different branch within the same bank, the transfer may still complete to the account number if it exists there. If details don’t match, the transfer will fail or be returned. Always double-check both IFSC and account number.

• Q: Can I use this IFSC for international transfers?

  A: For inward international remittances, banks typically use SWIFT/BIC codes and intermediary routing. The IFSC is used for domestic electronic transfers (NEFT/RTGS/IMPS). Contact the head office or branch for the correct procedure for foreign inward transfers.

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.