Bakhari is a branch of Bihar Gramin Bank located in East Champaran district of Bihar (Pincode 845457). For electronic fund transfers such as NEFT, RTGS and IMPS you must provide the correct IFSC code so the sending bank can route funds to the exact branch. Using the right IFSC prevents delays, failed transfers and wrong-account crediting.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Bakhari |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100215 |
| Branch Address | Bakhari, EAST CHAMPARAN, 845457, 9297954607 |
| Contact Number | 9297954607 |
| City | EAST CHAMPARAN |
| District | EAST CHAMPARAN |
| Reason | MOTIHARI |
| Pincode | 845457 |
| State | Bihar |
Merger Update
The rural banks in Bihar underwent reorganisation. Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged into a single operation under Punjab National Bank for purposes of electronic clearing. The consolidated IFSC for branches now operating under Punjab National Bank is PUNB0MBGB06. Old UBGB and DBGB IFSC codes have been revoked; they are no longer valid for NEFT, RTGS or IMPS. Always use the new IFSC PUNB0MBGB06 for transfers to the Bakhari branch.
What is IFSC Code?
IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code used to uniquely identify bank branches for electronic fund transfers. The structure is:
- First 4 characters – Bank identifier (letters). Example: PUNB = Punjab National Bank.
- 5th character – Always 0 (reserved for future use).
- Last 6 characters – Branch identifier. These can be letters, numbers, or both. Example in this IFSC: MBGB06 denotes the specific Bakhari branch under the consolidated routing.
How to Use IFSC Code for NEFT, RTGS, IMPS
- Open your bank’s netbanking, mobile app or visit a branch and choose the transfer type (NEFT, RTGS or IMPS).
- Select “Add Beneficiary” or “New Payee”. Enter beneficiary name and account number exactly as given by the recipient.
- Enter the IFSC code PUNB0MBGB06 for the Bihar Gramin Bank, Bakhari branch. Double-check for typos.
- Save the beneficiary. Complete any OTP or authentication required by your bank.
- Initiate the transfer. For RTGS use for high-value payments (traditionally RTGS minimum is around ₹2,00,000 but confirm with your bank). NEFT has no minimum. IMPS is instant and allowed up to your bank’s prescribed limit.
- Keep the transaction reference (UTR) to track the payment. If transfer fails, share the UTR and details with the bank for resolution.
Benefits of Knowing the IFSC
- Ensures funds are routed to the exact branch and account.
- Reduces failed transfers and the need for manual correction.
- Required for all electronic credit transfers: NEFT, RTGS and IMPS.
- Helps bank staff identify branch quickly when resolving disputes or tracking UTRs.
- Available on cheque leaves and passbooks, so you can verify before sending money.
Contact
Branch phone no: 9297954607
Branch Address: Bakhari, EAST CHAMPARAN, 845457
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777
FAQs
Q: Can I still use my old UBGB or DBGB IFSC code to send money to Bakhari?
A: No. Old UBGB and DBGB IFSC codes have been revoked. Use the consolidated IFSC PUNB0MBGB06 for any electronic transfer to this branch.
Q: Where can I find the IFSC on bank documents?
A: IFSC appears on cheque leaves, the passbook first page, and the bank’s account statement. You can also confirm by calling the branch number 9297954607 before transferring.
Q: What if I enter the wrong IFSC?
A: If the IFSC does not match the bank and branch, the payment may be rejected or routed incorrectly. Contact your bank immediately with the transaction UTR for reversal or correction.
Q: Is IFSC case-sensitive?
A: No. Most systems accept upper- or lower-case letters. However, the conventional format is uppercase (for example, PUNB0MBGB06). Enter it as displayed to avoid errors.
Q: What is the MICR code used for?
A: MICR (Magnetic Ink Character Recognition) code, here 800811002, is used mainly for cheque clearing in the paper-based clearing system. It speeds up automated processing of cheques presented at clearinghouses.
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.