The Bihar Gramin Bank branch at Hardi is located in Muzaffarpur district of Bihar (Pincode 843117). This branch uses the IFSC code for electronic fund transfers such as NEFT, RTGS and IMPS. The IFSC uniquely identifies the bank and branch in the national payments system. Using the correct IFSC ensures funds are routed to the intended branch and account without delay.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Hardi |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100025 |
| Branch Address | Hardi, MUZAFFARPUR, 843117, 9297955355 |
| Contact Number | 9297955355 |
| City | MUZAFFARPUR |
| District | MUZAFFARPUR |
| Reason | MUZAFFARPUR |
| Pincode | 843117 |
| State | Bihar |
Merger Update
Note on UBGB/DBGB merger: Several regional rural banks in Bihar were reorganised and their operations consolidated under Punjab National Bank (PNB) for centralised clearing and IT systems. If the branch previously belonged to Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB), those legacy IFSC codes have been revoked. All transfers must use the single, current IFSC PUNB0MBGB06 under Punjab National Bank. Old UBGB/DBGB IFSC codes are no longer valid for electronic transfers.
What is IFSC Code?
The IFSC (Indian Financial System Code) is an 11-character alphanumeric code that identifies a bank branch for electronic transfers. Its structure is:
- First 4 characters: Bank identifier (alphabetic). Example: PUNB = Punjab National Bank.
- 5th character: Always the digit 0 (reserved).
- Last 6 characters: Branch identifier (alphanumeric). Example: MBGB06 in PUNB0MBGB06.
So for PUNB0MBGB06: PUNB = bank, 0 = reserved, MBGB06 = Hardi branch code. The last six characters can include letters and numbers and uniquely point to the branch.
How to Use IFSC Code for NEFT, RTGS, IMPS
- Open your bank’s netbanking portal or mobile app, or visit the branch for a paper form.
- Choose the transfer type: IMPS for instant small-value transfers, NEFT for general transfers, RTGS for high-value (typically ≥ ₹2,00,000) payments.
- Add a beneficiary: enter the beneficiary’s name, account number, and IFSC PUNB0MBGB06 for Bihar Gramin Bank Hardi. Double-check spelling and digits.
- Verify the beneficiary (banks typically send an OTP or activate after a cooling period).
- Initiate the transfer: enter amount, purpose/remarks if required, and confirm. Note transaction reference number for tracking.
- Check transfer status: IMPS is immediate; NEFT and RTGS are generally near-instant now (both are available round-the-clock), but clearing times can vary by bank and amount. Keep receipts/screenshots.
- If the transaction fails or appears stuck after a reasonable time, contact your bank with the transaction reference and beneficiary details.
Benefits of Knowing the IFSC
- Ensures accurate routing of funds to the correct branch and account.
- Required field for NEFT, RTGS and IMPS transfers—without it the payment cannot be routed correctly.
- Helps prevent delays and failed transactions caused by wrong branch identification.
- Useful when adding beneficiaries, reconciling payments, or checking bank documents (cheque books, passbooks).
- Makes it easier for corporate and payroll systems to automate transfers.
Contact
Branch phone no: 9297955355
Branch Address: Hardi, MUZAFFARPUR, 843117
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777
FAQs
Q: Is IFSC the same as MICR?
A: No. IFSC is used for electronic fund transfers. MICR (Magnetic Ink Character Recognition) is a 9-digit code used mainly for cheque clearing. For Hardi branch the MICR is 800811002.
Q: What happens if I enter the wrong IFSC but the account number is correct?
A: Banks route electronic payments using the IFSC. If IFSC points to a different branch, the transfer may fail or be routed to a different branch. Many systems also validate account number against the bank’s database and may block mismatches. If money goes to the wrong account, contact your bank immediately with transaction details to initiate recovery.
Q: Can I use the old UBGB or DBGB IFSC code?
A: No. Old UBGB/DBGB IFSC codes have been revoked after consolidation. Use the current IFSC PUNB0MBGB06 for transfers related to this branch.
Q: How quickly will the money reach the beneficiary?
A: IMPS is immediate (real-time). NEFT and RTGS are effectively available 24×7 and often settle within minutes; actual time can depend on bank processing and cut-off procedures. For very large amounts, use RTGS as recommended by your bank.
Q: How can I confirm the correct IFSC before sending funds?
A: Confirm IFSC from an official bank document (cheque leaf, passbook), call the branch at 9297955355, or verify with the bank’s customer care. Always match both the IFSC and the beneficiary account number before confirming the transfer.
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.