Dubha is a locality in Muzaffarpur district of Bihar (PIN 843104). This article covers the Bihar Gramin Bank, Dubha branch details and its IFSC for electronic fund transfers. The IFSC is essential for NEFT, RTGS and IMPS transfers. It identifies the bank and branch so the payment network routes funds to the right account. Using the correct IFSC reduces failed transfers and delays.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Dubha |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100051 |
| Branch Address | Dubha, MUZAFFARPUR, 843104, 9297955346 |
| Contact Number | 9297955346 |
| City | MUZAFFARPUR |
| District | MUZAFFARPUR |
| Reason | MUZAFFARPUR |
| Pincode | 843104 |
| State | Bihar |
Merger Update
Important: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) were consolidated into a single arrangement under Punjab National Bank. As a result, the consolidated IFSC code for the merged entity branches is PUNB0MBGB06. Old IFSC codes that belonged to UBGB or DBGB are revoked. Use only the new IFSC PUNB0MBGB06 for NEFT, RTGS and IMPS transactions to these branches. Transactions sent to revoked IFSCs will fail or be returned.
What is IFSC Code?
The IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to route electronic payments in India.
- First 4 characters identify the bank. Example: PUNB = Punjab National Bank.
- 5th character is always 0 (reserved for future use).
- Last 6 characters identify the specific branch. They can be letters or numbers.
Example: For PUNB0MBGB06 — “PUNB” = bank, “0” = reserved, “MBGB06” = branch code for Dubha (under the consolidated arrangement).
How to Use IFSC Code
Follow these steps when making NEFT, RTGS or IMPS transfers from your bank app or internet banking:
- Open your bank’s transfer page and choose NEFT, RTGS or IMPS depending on amount and urgency.
- Enter beneficiary name exactly as in their bank records.
- Enter the beneficiary account number. Re-type to confirm; wrong account numbers cause failed transfers.
- Enter the IFSC: PUNB0MBGB06 for Bihar Gramin Bank, Dubha branch.
- Verify the displayed bank and branch name shown by your app. If it does not match, stop and re-check details.
- Enter amount and purpose. For RTGS use it for large-value transfers (typically Rs 2 lakh and above). NEFT has no minimum and is suitable for most payments. IMPS is immediate and available 24×7 for smaller urgent transfers subject to bank limits.
- Authenticate the transaction (OTP / UPI PIN / transaction password) and confirm.
- Keep the transaction reference or UTR for tracking. For failed transfers ask your bank for the reversal timeline.
Note: IMPS is instant and available 24×7. NEFT and RTGS are also available round-the-clock, but processing times and bank charges may vary. Check your bank’s schedule and charges before sending.
Benefits of Knowing the IFSC
- Ensures funds are routed to the correct bank branch.
- Reduces failed or delayed transfers and need for manual intervention.
- Required for electronic payments: NEFT, RTGS, IMPS and inward credit from employers or government.
- Helps validate beneficiary details before sending money (bank and branch should match).
- Useful for filing forms for auto credit, vendor payments and recurring transfers.
Contact
Branch Phone: 9297955346
Branch Address: Dubha, MUZAFFARPUR, 843104
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll Free No: 18001807777
FAQs
Q: How can I verify that PUNB0MBGB06 is correct for Dubha branch?
A: Verify on your bank passbook, cheque leaf or by calling the branch phone (9297955346). Your bank’s beneficiary verification screen should also show the branch name after you enter the IFSC.
Q: What happens if I enter the wrong IFSC but correct account number?
A: Most payment systems match IFSC and account details with the bank’s database. If the account number belongs to the same bank and branch matched by IFSC, the transfer completes. If they mismatch, the transfer can fail or be routed incorrectly and may require a reversal request. Always verify both account number and IFSC.
Q: Has the IFSC changed because of the merger?
A: Yes — after the consolidation under Punjab National Bank, the valid IFSC to use is PUNB0MBGB06. Old UBGB or DBGB IFSCs have been revoked. Do not use revoked IFSCs for new transactions.
Q: Which system should I use — NEFT, RTGS or IMPS?
A: Use IMPS for instant small-value transfers (24×7). Use NEFT for routine transfers of any value; it is cost-effective. Use RTGS for large-value, urgent transfers (typically Rs 2 lakh and above). Check your bank’s limits and charges before choosing.
Q: How long does a transfer to this IFSC take to reflect?
A: IMPS is immediate. NEFT and RTGS are typically near-instant or processed within minutes, since both are now available round-the-clock. Delays can occur due to wrong details or bank processing. Keep the transaction reference to track with your bank.
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.