The Bihar Gramin Bank branch at Barhaiya serves the Lakhisarai district in Bihar. The branch is located in Barhaiya town, Pincode 811302, and provides routine banking services including cash deposits, withdrawals, and fund transfers. For electronic transfers such as NEFT, RTGS and IMPS you must use the correct IFSC code. The IFSC uniquely identifies the bank and branch in India’s electronic payment systems and ensures your funds reach the intended account quickly and securely.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Barhaiya |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 3112 |
| Branch Address | Barhaiya, Lakhisarai, 811302, 8102918578 |
| Contact Number | 8102918578 |
| City | Lakhisarai |
| District | Lakhisarai |
| Reason | JAMUI |
| Pincode | 811302 |
| State | Bihar |
Merger update
Background: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) were amalgamated to form a single entity sponsored by Punjab National Bank. As part of this reorganisation the consolidated RRB uses the IFSC code PUNB0MBGB06 for the Barhaiya branch under Punjab National Bank’s ISFC allocation.
Important: Old IFSC codes that belonged to UBGB or DBGB have been revoked. Only the new IFSC PUNB0MBGB06 must be used for NEFT, RTGS and IMPS transactions. Using an old or incorrect IFSC can delay the transfer or cause rejection.
What is IFSC Code?
The Indian Financial System Code (IFSC) is an 11-character alphanumeric code used to route electronic payments to the correct bank branch. The structure is:
- First 4 characters – bank identifier. Example: PUNB stands for Punjab National Bank.
- 5th character – reserved and is always 0 (zero).
- Last 6 characters – branch identifier. This part can be numeric, alphabetic, or mixed. Example in this IFSC: MBGB06.
Note: The branch code field (for internal use) may be different or numeric (for example 3112). The IFSC’s last six characters are the official routing key used by the payments system.
How to use IFSC Code
Steps to transfer funds to Bihar Gramin Bank, Barhaiya:
- Open your bank’s netbanking portal, mobile app, or visit the branch.
- Choose the transfer type: NEFT, RTGS (for large value, if criteria met) or IMPS (instant, 24×7).
- Add a beneficiary by entering beneficiary name, account number, and the IFSC: PUNB0MBGB06. Enter the branch name as Barhaiya to help verification.
- Verify beneficiary details carefully. Check the IFSC character-by-character. The 5th character must be zero.
- Authorize the beneficiary addition (OTP or bank-specific approval). Once added, select the beneficiary and initiate the transfer with the amount and purpose.
- Keep the transaction reference or UTR. For NEFT/RTGS, the UTR will help trace the payment. For IMPS, note the transaction ID shown immediately.
Practical tips: use copy-paste when possible to avoid typing errors. Confirm IFSC from the bank’s passbook, cheque leaf, or official branch confirmation. UPI payments do not require IFSC; they use virtual payment addresses.
Benefits of knowing the IFSC
- Ensures money reaches the exact branch and account without delay.
- Reduces failed transfers and manual reconciliation effort.
- Makes it easy to add beneficiaries in online banking and mobile apps.
- Required for accurate NEFT, RTGS and IMPS transfers and for generating UTR/transaction IDs.
- Helps customer service trace transactions quickly using IFSC + account number + UTR.
Contact
Branch phone no: 8102918578
Branch Address: Barhaiya, Lakhisarai, 811302
Head office address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777
FAQs
Q: How do I confirm the IFSC before sending money?
A: Check the IFSC on the branch passbook, cheque leaf, or the official bank head office confirmation. Enter the code exactly as shown: PUNB0MBGB06. If unsure, call the branch at 8102918578 to confirm.
Q: What is the MICR code used for?
A: MICR (Magnetic Ink Character Recognition) code 800811002 is used for cheque clearing within the banking system. It speeds up processing of physical cheques and is different from the IFSC used for electronic transfers.
Q: Can I use an old UBGB or DBGB IFSC for transfers?
A: No. Old UBGB and DBGB IFSC codes have been revoked after the merger. Use the new IFSC PUNB0MBGB06. Using revoked codes can cause rejections or delays.
Q: What if I enter the wrong IFSC but correct account number?
A: Electronic systems typically validate both IFSC and account details. If the IFSC points to a different bank/branch, the transfer may fail or be returned. If funds are debited and sent to a wrong account, the sending bank will initiate recovery steps, which can take time. Always verify before sending.
Q: Are NEFT, RTGS and IMPS available 24×7?
A: IMPS is available 24×7. NEFT and RTGS are now available round-the-clock as well; however, check with your bank’s cut-off policies for processing and settlement windows if you initiate through a branch.
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.