Laukaha is a town in Madhubani district, Bihar (pincode 847421). If you need to send or receive funds to the Bihar Gramin Bank branch in Laukaha, the IFSC code is essential. The IFSC identifies the bank and branch for electronic transfers such as NEFT, RTGS and IMPS. Using the correct IFSC ensures money reaches the intended account quickly and without routing errors.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Laukaha |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100366 |
| Branch Address | Laukaha, MADHUBANI, 847421, 9297954925 |
| Contact Number | 9297954925 |
| City | MADHUBANI |
| District | MADHUBANI |
| Reason | JHANJHARPUR |
| Pincode | 847421 |
| State | Bihar |
Merger Update
Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) were merged under Punjab National Bank. After the merger, branches that formerly used UBGB/DBGB IFSCs now use the single PNB IFSC PUNB0MBGB06 for transactions. Old UBGB and DBGB IFSC codes have been revoked. For any NEFT/RTGS/IMPS transfer to this Laukaha branch, use only PUNB0MBGB06.
What is IFSC Code?
IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code used to route electronic payments in India. The structure is:
- First 4 characters — bank code (letters). Example: PUNB = Punjab National Bank.
- 5th character — always 0 (reserved by RBI).
- Last 6 characters — branch identifier (alphanumeric). Example: MBGB06 in PUNB0MBGB06.
Note: The branch code printed in bank records (here 100366) is a numeric identifier used by the bank. The last six characters of the IFSC are a separate alphanumeric branch identifier used in the electronic payments system.
How to Use IFSC Code
- Open your bank’s netbanking, mobile app or visit the branch counter.
- Choose beneficiary or add payee, then enter beneficiary name and account number exactly as held at Bihar Gramin Bank Laukaha.
- Enter IFSC: PUNB0MBGB06. Double-check each character — a single wrong character can misroute the transfer.
- Select transfer type: NEFT (batch settlements), RTGS (high-value, real-time) or IMPS (instant, 24×7). Note: banks set cut-off times and limits; verify with your bank for timings and charges.
- Enter amount and any remarks, confirm OTP or authentication, and submit.
- Keep the transaction reference or UTR number until funds are confirmed received.
Benefits of Knowing the IFSC
- Ensures accurate routing of electronic funds to the correct branch and account.
- Required for NEFT, RTGS and IMPS transactions and for many online forms.
- Speeds up settlement and reduces chances of failed or returned transfers.
- Helps customer service locate and trace transactions using the correct branch identifier.
- Useful for receiving salary, government payouts or vendor payments directly into the account.
Contact
Branch phone no: 9297954925
Branch address: Laukaha, MADHUBANI, 847421
Head office address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777
FAQs
Q: What is the IFSC code for Bihar Gramin Bank Laukaha?
A: The IFSC is PUNB0MBGB06. Use this for all NEFT, RTGS and IMPS transfers to the Laukaha branch.
Q: Can I use the old UBGB or DBGB IFSC for transfers?
A: No. After the merger into Punjab National Bank, old UBGB/DBGB IFSCs have been revoked. Only PUNB0MBGB06 is valid now.
Q: What is the MICR and when is it used?
A: The MICR is 800811002. MICR is mainly used for processing cheques and clearing. It is not required for electronic transfers like NEFT/RTGS/IMPS.
Q: I entered a wrong IFSC. What should I do?
A: Contact your bank immediately with the transaction UTR and details. If the transfer is pending, the bank may correct or stop it. If funds reached a wrong account, the bank will follow recovery procedures, which can take time and may require account-holder cooperation.
Q: How long do NEFT, RTGS and IMPS transfers take?
A: IMPS is instant and available 24×7. NEFT processes in hourly or half-hourly batches depending on the bank’s system. RTGS is near real-time for larger amounts during bank working hours. Exact timings and cut-offs vary by bank, so confirm with your remitting 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.