Hussaini is a branch location in East Champaran district of Bihar (PIN 845423). The branch serves local retail and agricultural customers and handles inward and outward electronic transfers. For sending or receiving funds via NEFT, RTGS or IMPS you must use the correct IFSC code. The IFSC tells online systems which bank and branch will receive the money. A wrong IFSC can delay or misroute payments, so confirming the code before transfer is important.
Branch Details Table
| Bank Name | Bihar Gramin Bank |
| Branch Name | Hussaini |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100217 |
| Branch Address | Hussaini, EAST CHAMPARAN, 845423, 9297954645 |
| Contact Number | 9297954645 |
| City | EAST CHAMPARAN |
| District | EAST CHAMPARAN |
| Reason | MOTIHARI |
| Pincode | 845423 |
| State | Bihar |
Merger Update
The Hussaini branch now transacts under the Punjab National Bank (PNB) IFSC PUNB0MBGB06. Both Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged and their operations are consolidated under Punjab National Bank for electronic clearing. Old UBGB and DBGB IFSC codes have been revoked. For NEFT, RTGS and IMPS use only the new IFSC PUNB0MBGB06; any legacy IFSC will not work and can cause failed or returned transfers.
What is IFSC Code?
IFSC stands for Indian Financial System Code. It is an 11-character code used to uniquely identify bank branches for electronic funds transfers.
- First 4 characters: Alphabetic bank code (example: PUNB = Punjab National Bank).
- 5th character: Always ‘0’ (reserved for future use).
- Last 6 characters: Branch identifier (can be letters and/or numbers). In PUNB0MBGB06, MBGB06 identifies the specific Hussaini branch under the PNB mapping.
How to Use IFSC Code
Follow these steps when sending money via NEFT, RTGS or IMPS.
- Choose the transfer type in your bank app or internet banking (NEFT/RTGS/IMPS).
- Add a beneficiary: enter beneficiary name exactly as the bank has it, the account number, and the IFSC PUNB0MBGB06.
- Double-check the IFSC by matching the branch address or MICR if available. Errors in IFSC point to the wrong branch.
- Enter amount and purpose. For large sums check whether your bank requires additional authorization for RTGS or certain limits for IMPS.
- Verify one-time password (OTP) or transaction PIN. Keep the beneficiary verification screen open to confirm details before finalizing.
- Save the beneficiary after a successful first transfer if you will pay them again. Remove access if details change.
Practical tips: copy-paste the IFSC from an official source (cheque leaf, bank-passbook, branch notice) to avoid typos. If you get a transfer failure, contact the sending bank with the transaction reference and the IFSC used.
Benefits of Knowing the IFSC
- Ensures funds route to the correct bank branch for timely credit.
- Needed to add beneficiaries for NEFT, RTGS and IMPS.
- Reduces errors and failed transfers caused by incorrect branch routing.
- Helps customer support trace and reconcile transactions using IFSC plus transaction reference.
- Makes it easy to verify branch identity when matching addresses or MICR codes on documents.
Contact
Branch phone no: 9297954645
Branch address: Hussaini, EAST CHAMPARAN, 845423
Head office address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777
FAQs
Q: Can I use the old UBGB IFSC code for transfers?
A: No. Old UBGB and DBGB IFSC codes have been revoked after the merger. Use only the new IFSC PUNB0MBGB06 for any electronic transfer to this branch.
Q: Where can I find the IFSC on bank documents?
A: IFSC is printed on cheque leaves, passbooks and account welcome letters. Banks also display IFSC at the branch and on official statements. For this branch, confirm it as PUNB0MBGB06.
Q: What is the difference between IFSC and MICR?
A: IFSC identifies a bank branch for electronic transfers (NEFT/RTGS/IMPS). MICR is a numeric code (here 800811002) used by clearing houses to speed up processing of physical cheques. MICR is not required for online transfers but is useful for cheque clearing and reconciliation.
Q: What happens if I enter a wrong IFSC?
A: If the IFSC is invalid the transaction will usually be rejected by the sending bank or return to sender. If the wrong IFSC still maps to a real branch, funds could reach a different branch or account; resolving this will require a trace request with the bank and may take time.
Q: How do I verify the IFSC before sending a large payment?
A: Verify using the bank’s printed materials (cheque leaf, passbook), call the branch at 9297954645, or contact the bank’s toll-free number 18001807777. Confirm beneficiary name, account number and IFSC together before initiating payment.
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.