Bihar Gramin Bank Bharwara IFSC Code

Bharwara is a town in Darbhanga district, Bihar (PIN 847104). The Bihar Gramin Bank branch at Bharwara serves local residents and businesses for deposits, withdrawals and electronic fund transfers. For online transfers using NEFT, RTGS or IMPS you must supply the correct IFSC code. The IFSC uniquely identifies the bank and branch and routes electronic payments safely to the intended account.

Branch Details

Merger Update

This IFSC, PUNB0MBGB06, is issued under Punjab National Bank (PUNB). Note that the rural banks in Bihar — Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) — have been reorganised and are now consolidated under the single IFSC PUNB0MBGB06 used by Punjab National Bank for these branches. Old UBGB/DBGB IFSC codes have been revoked. For all NEFT/RTGS/IMPS transactions, use only the new IFSC PUNB0MBGB06. Using an old, revoked IFSC may delay or reject the transfer.

What is IFSC Code?

The Indian Financial System Code (IFSC) is an 11-character code used to route electronic payments. Its structure is fixed:

• First 4 characters — bank identifier (letters). Example: PUNB = Punjab National Bank.
• 5th character — always 0 (reserved for future use).
• Last 6 characters — branch identifier (alphanumeric). Example: MBGB06 identifies the specific branch.

So PUNB0MBGB06 breaks down as PUNB | 0 | MBGB06.

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

• Open your bank’s internet banking, mobile app, or visit a branch counter.
• Choose “Add Beneficiary” or “New Payee.”
• Enter beneficiary name and account number exactly as provided by the recipient.
• Enter the bank name: Punjab National Bank and branch: Bharwara if requested.
• Enter the IFSC: PUNB0MBGB06. Most systems auto-validate the IFSC and display branch details.
• Select transfer type: IMPS (instant, 24×7), NEFT (electronic funds transfer), or RTGS (for large-value, typically high-value transfers — check your bank’s threshold).
• Enter amount and purpose, then confirm beneficiary and amount. Authorise using OTP / transaction PIN as required.
• Record the transaction ID. If the IFSC is incorrect, the transfer may fail or be routed to the wrong branch — verify before authorising.

Benefits of Knowing the IFSC

• Ensures accurate routing of NEFT/RTGS/IMPS transactions to the intended branch.
• Prevents delays or returns caused by incorrect branch identification.
• Makes adding beneficiaries faster—digital forms often auto-fill branch details when IFSC is valid.
• Useful for verifying payee details during bill payments and e-commerce refunds.
• Helps banks and auditors trace transactions to a specific branch for dispute resolution.

Contact

Branch phone: 9297955080

Branch address: Bharwara, DARBHANGA, 847104

Head office address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR

Toll free no: 18001807777

FAQs

• Q: What IFSC should I use to send money to the Bharwara branch?

  A: Use PUNB0MBGB06. This is the valid IFSC for the Bharwara branch under Punjab National Bank/Bihar Gramin Bank consolidation.

• Q: Can I use an old UBGB or DBGB IFSC?

  A: No. Old UBGB or DBGB IFSC codes have been revoked. Use the new IFSC PUNB0MBGB06 for transactions. Using revoked codes may result in failed transfers.

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

  A: If the IFSC does not match the account number and branch, the transfer may fail or be returned. In rare cases of a mismatched but valid IFSC, funds could go to a different branch. Always verify the beneficiary details before authorising the payment.

• Q: Which transfer method is fastest?

  A: IMPS is instant and available 24×7 for small to medium amounts. NEFT and RTGS are also available electronically; IMPS is immediate, NEFT is used for regular transfers, RTGS is for larger values (check your bank for the exact threshold and charges).

• Q: How can I verify the IFSC and branch details before sending money?

  A: Verify with the beneficiary directly, check a bank-issued document (passbook, cheque leaf showing MICR/IFSC), or contact the branch at 9297955080 or the head office toll-free 18001807777.

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.