Choraut is a branch location in Sitamarhi district, Bihar. This branch operates under Bihar Gramin Bank and handles retail and rural banking services for local customers. For electronic fund transfers such as NEFT, RTGS and IMPS, the correct IFSC code is essential. The IFSC tells the payment system which bank and branch should receive the funds. Entering the wrong IFSC can delay payments or route them to the wrong branch, so always verify before you send money.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Choraut |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100045 |
| Branch Address | Choraut, SITAMARHI, 0, 9297954744 |
| Contact Number | 9297954744 |
| City | SITAMARHI |
| District | SITAMARHI |
| Reason | SITAMARHI |
| Pincode | 0 |
| State | Bihar |
Merger Update
Important: The regional rural banks that operated as Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been consolidated and their operations now run under Punjab National Bank’s umbrella for IFSC purposes. This branch uses the single IFSC code PUNB0MBGB06 under Punjab National Bank. Old UBGB or DBGB IFSC codes have been revoked. Only PUNB0MBGB06 is valid for electronic transfers to this branch. If you have an older UBGB/DBGB IFSC recorded as a beneficiary, update it before initiating a transfer.
What is IFSC Code?
The IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to route electronic payments in India. Its structure is fixed:
- First 4 characters: Bank identifier. (Example: PUNB for Punjab National Bank)
- 5th character: Always the numeral 0 (reserved)
- Last 6 characters: Branch identifier (alphanumeric). (Example: MBGB06 in PUNB0MBGB06)
So in PUNB0MBGB06, “PUNB” = bank, “0” = reserved, “MBGB06” = specific branch code.
How to Use IFSC Code (NEFT, RTGS, IMPS)
- Open your bank’s netbanking or mobile app. You can also use a bank branch counter or ATM-supported transfer if available.
- Go to the beneficiary or payee section and choose to add a new beneficiary.
- Enter the beneficiary’s name exactly as in their bank account, their account number, and the IFSC PUNB0MBGB06 for Choraut branch.
- The bank will typically send an OTP to your registered mobile. Authenticate and complete beneficiary addition.
- Select the transfer method: IMPS (real-time, 24×7 for small/medium amounts), NEFT (retail transfers; now available 24×7), or RTGS (for high-value transfers, typically used for amounts at or above ₹2,00,000; check your bank for the current threshold).
- Enter amount and purpose. Review beneficiary name, account number, and IFSC carefully before confirming.
- Submit and note the transaction reference/UTR. Keep this for follow-up if needed.
Benefits of Knowing the IFSC
- Ensures funds reach the correct branch for NEFT, RTGS, and IMPS transfers.
- Allows you to add beneficiaries quickly in netbanking and mobile apps.
- Helps customer service resolve transfer issues faster using the IFSC and UTR.
- Makes electronic payments predictable and auditable—UTR numbers tie payments to branch IFSC.
- Prevents delays caused by incorrect routing or ambiguous branch names.
Contact
Branch phone no: 9297954744
Branch Address: Choraut, SITAMARHI, 0, 9297954744
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777
FAQs
Q: Is PUNB0MBGB06 the only IFSC I can use for Choraut branch transfers?
A: Yes. PUNB0MBGB06 is the valid IFSC for this branch under the consolidated system. Any earlier UBGB or DBGB IFSC codes have been revoked and should not be used.
Q: Where can I verify this IFSC before transferring?
A: Verify on a recent bank passbook entry, the cheque book if provided, or by calling the branch at 9297954744. You can also confirm with Punjab National Bank customer service using their toll-free number.
Q: What if I entered the wrong IFSC but the correct account number?
A: The payment system routes by IFSC + account number. If IFSC is wrong but maps to a valid branch, funds may land in a different branch. Contact your bank immediately with the UTR/reference to trace and recall the transaction. Faster reporting improves the chance of recovery.
Q: How is IFSC different from MICR?
A: IFSC is used for electronic transfers (NEFT/RTGS/IMPS). MICR (Magnetic Ink Character Recognition) is a 9-digit code used mainly to speed up cheque clearing. MICR does not replace IFSC for online transfers.
Q: Are NEFT, RTGS and IMPS available round-the-clock?
A: IMPS is available 24×7. NEFT and RTGS have been extended to nearly round-the-clock services in recent years; however, banks may set their own maintenance windows. Check with your bank if you plan a time-sensitive transfer.
Note: Bank policies, transfer limits and service hours can change. When in doubt, confirm with the branch at 9297954744 or the head office toll-free 18001807777 before making large or urgent transfers.
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.