Bihar Gramin Bank Lakhisarai IFSC Code

Bihar Gramin Bank Lakhisarai IFSC Code

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The Bihar Gramin Bank branch at Lakhisarai is located in Lakhisarai district, Bihar (PIN 811311). This branch handles routine retail and rural banking services for individuals and small businesses in the area. For electronic fund transfers like NEFT, RTGS and IMPS you must supply the correct IFSC code for the beneficiary branch. The IFSC identifies the bank and exact branch in the national payment system, so using the right code ensures funds route quickly and safely to the intended account.

Branch Details

  • Bank Name: Bihar Gramin Bank
  • Branch Name: Lakhisarai
  • IFSC Code: PUNB0MBGB06
  • MICR Code: 800811002
  • Branch Code: 3101
  • Branch Address: Lakhisarai, Lakhisarai, 811311, 8102918566/ 67
  • Contact Number: 8102918566/ 67
  • City: Lakhisarai
  • District: Lakhisarai
  • Reason: JAMUI
  • Pincode: 811311
  • State: Bihar

Merger Update

The regional rural banks that formerly operated as Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been reorganized under Punjab National Bank’s sponsorship. All branches now use the single IFSC code PUNB0MBGB06 under Punjab National Bank for electronic transfers. Old UBGB and DBGB IFSC codes have been revoked. Do not use any legacy UBGB/DBGB IFSC codes — they are invalid for NEFT, RTGS or IMPS. Always confirm the current IFSC (PUNB0MBGB06 for this branch) before initiating a payment.

What is IFSC Code?

The IFSC (Indian Financial System Code) is an 11-character alphanumeric identifier used by the Reserve Bank of India’s electronic payment systems. The structure is fixed:

  • First 4 characters: Bank identifier. Example: PUNB = Punjab National Bank.
  • 5th character: Always the digit 0 (reserved for future use).
  • Last 6 characters: Branch identifier (alphanumeric). Example: MBGB06 in PUNB0MBGB06 identifies the specific branch code.

Together these 11 characters uniquely identify the bank and branch for electronic fund transfers.

How to Use IFSC Code

  • Step 1 — Get the correct IFSC: Confirm the beneficiary branch IFSC from a bank passbook, cheque leaf, branch notice, or the beneficiary’s account details. For Lakhisarai branch use PUNB0MBGB06.
  • Step 2 — Add beneficiary in your bank app/website: In the “Add Beneficiary” screen enter beneficiary name, account number and the IFSC. Double-check spelling and digits.
  • Step 3 — Verify bank and branch name: After entering IFSC most systems display the bank/branch name. Ensure it shows “Punjab National Bank / Lakhisarai (Bihar Gramin Bank branch)” or similar.
  • Step 4 — Choose transfer method: NEFT for any amount (now effectively round-the-clock), RTGS for high-value transfers (usually used for transfers at or above ₹2,00,000; check your bank’s minimum), IMPS for instant small-value transfers 24×7.
  • Step 5 — Confirm and authorize: Check amount and remarks, then authorize with OTP or your bank’s authentication method. Save beneficiary only after confirmation.
  • Step 6 — Track transaction: Keep the UTR or reference number. If payment fails or is delayed, give this reference to your bank to trace the transfer.

Benefits of Knowing the IFSC

  • Ensures accurate routing of electronic payments to the correct bank branch.
  • Reduces payment delays and failed transfers due to incorrect routing.
  • Required to add beneficiaries in online banking, mobile apps and third-party payment interfaces.
  • Helps banks quickly trace and reverse transactions when you provide the IFSC and UTR number.
  • Distinguishes between branches with similar names in the same city or district.

Contact

  • Branch phone: 8102918566/ 67
  • Branch address: Lakhisarai, Lakhisarai, 811311
  • Head office address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
  • Toll free no: 18001807777

FAQs

  • Q: Where can I find the IFSC for Bihar Gramin Bank Lakhisarai?

    A: The IFSC is PUNB0MBGB06. Confirm it on a cheque leaf, bank passbook, the branch’s customer service, or the branch contact numbers (8102918566/67) before transferring funds.

  • Q: What happens if I enter a wrong IFSC during transfer?

    A: If the IFSC points to a different branch but the account number does not match a valid account at that branch, the transfer will typically fail and funds will be returned. If the IFSC and account number correspond to an existing but unintended account, the funds may be credited to that account and reversing it will require cooperation from the receiving bank — this can take time. Always verify both IFSC and account number.

  • Q: How is IFSC different from MICR?

    A: IFSC is used for electronic fund transfers (NEFT/RTGS/IMPS). MICR (Magnetic Ink Character Recognition) is a 9-digit code used mainly for processing physical cheques through clearing houses. For electronic transfers, IFSC is required; MICR is used for cheque clearing and is not a substitute.

  • Q: After the UBGB/DBGB merger, do I need to update saved beneficiaries?

    A: Yes. Legacy UBGB or DBGB IFSC codes have been revoked. Update beneficiaries to the new IFSC PUNB0MBGB06 to avoid payment failures. Check the displayed bank/branch after entering IFSC before confirming.

  • Q: Can I use IMPS with this IFSC?

    A: Yes. IMPS requires the correct IFSC and beneficiary account number. IMPS transfers are typically instant and available 24×7. Ensure the IFSC and account details are accurate to avoid failed transactions.

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