Bihar Gramin Bank Baghari IFSC Code

The Bihar Gramin Bank branch at Baghari is located in Sitamarhi district of Bihar. This page gives the branch’s essential details and explains how to use its IFSC code for electronic fund transfers. An accurate IFSC code is required for NEFT, RTGS and IMPS transactions. Using the correct IFSC ensures your money reaches the right branch quickly and avoids failed or delayed transfers.

Branch Details Table

Bank Name	Bihar Gramin Bank
Branch Name	Baghari
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	108136
Branch Address	Baghari, SITAMARHI, 0, 9297954731
Contact Number	9297954731
City	SITAMARHI
District	SITAMARHI
Reason	SITAMARHI
Pincode	0
State	Bihar

Merger Update

Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been restructured under Punjab National Bank’s sponsorship. If you previously used an IFSC belonging to UBGB or DBGB, those old IFSC codes have been revoked. All electronic transfers to these rural bank branches must now use the single IFSC code PUNB0MBGB06 (Punjab National Bank format). Using any revoked/old IFSC will likely cause the transaction to fail. Always confirm the active IFSC before making a transfer.

What is IFSC Code?

The IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to identify bank branches in electronic payments. Its structure is fixed:

• First 4 characters: bank identifier. Example: PUNB = Punjab National Bank.
• 5th character: reserved and always 0.
• Last 6 characters: branch identifier. These can be letters or digits and uniquely identify the branch (for example MBGB06 in PUNB0MBGB06).

So in PUNB0MBGB06, PUNB = bank, 0 = reserved, MBGB06 = Baghari branch code under the current arrangement.

How to Use IFSC Code (NEFT, RTGS, IMPS)

• Open your bank’s online portal or mobile app and go to the “Add Beneficiary” or “Fund Transfer” section.
• Enter beneficiary name exactly as on their bank account.
• Enter the beneficiary account number and select account type (savings/current).
• Enter IFSC: PUNB0MBGB06. Double-check each character—mistakes send funds to the wrong branch or cause rejection.
• Choose transfer mode:
  • NEFT — suitable for most amounts; available widely and now operates round-the-clock.
  • RTGS — for high-value transfers (banks commonly apply a higher minimum; confirm with your bank).
  • IMPS — immediate 24×7 transfers for smaller amounts within bank-set limits.
• Enter amount and purpose (if required). Verify details on screen.
• Authorize transfer using OTP or other security method your bank requires.
• Save transaction confirmation or reference number. Track status if your bank provides updates.

Benefits of Knowing the IFSC

• Ensures accurate routing of electronic payments to the correct branch and account.
• Reduces failed transactions and delays caused by incorrect branch selection.
• Required for all NEFT/RTGS/IMPS transfers and many online forms (tax, payroll, vendor payouts).
• Helps banks and clearing systems identify and validate branch details automatically.
• Useful for cheque processing when combined with MICR information.

Contact

Branch phone no: 9297954731

Branch Address: Baghari, SITAMARHI, 0, 9297954731

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

Toll free no: 18001807777

FAQs

Q: What is the IFSC code for Bihar Gramin Bank, Baghari?
A: The IFSC code to use is PUNB0MBGB06. This is the active code for electronic transfers to this branch.

Q: Can I use an old UBGB or DBGB IFSC for transfers?
A: No. Old UBGB and DBGB IFSCs have been revoked. All transfers must use the new consolidated IFSC PUNB0MBGB06. Using revoked codes can cause failure or return of funds.

Q: What is the role of MICR 800811002?
A: MICR (Magnetic Ink Character Recognition) codes are used mainly for processing cheques and clearing physical payment instruments. MICR 800811002 identifies the cheque clearing region and the branch’s MICR zone. IFSC is used for electronic transfers; MICR is used for cheque clearing.

Q: What happens if I enter the wrong IFSC but correct account number?
A: Banks route transactions using IFSC plus account number. If IFSC does not match the account’s bank mapping, the transfer may fail or be returned. In some cases banks can route using account number alone, but you should not rely on this. Always correct both account number and IFSC before confirming.

Q: How fast are transfers to this branch?
A: IMPS transfers are immediate (real-time). RTGS typically processes high-value payments in real time. NEFT settlements are processed by the banking system and are usually completed quickly, but actual time depends on bank processing and verification steps. For large or time-sensitive transfers, confirm the best method with your bank.

Q: How do I verify IFSC before a large transfer?
A: Call the branch number (9297954731) or the bank’s toll-free line (18001807777). You can also check a bank statement or a cheque leaf from the account. When in doubt, request the beneficiary to confirm their branch IFSC directly.