Laukahi is a branch of Bihar Gramin Bank located in Madhubani district, Bihar (PIN 847108). If you need to send or receive money electronically, the branch IFSC code is essential. The IFSC identifies the bank and branch for NEFT, RTGS and IMPS transfers. Using the correct IFSC ensures funds route to the exact Laukahi account without delay.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Laukahi |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100378 |
| Branch Address | Laukahi, MADHUBANI, 847108, 9297954926 |
| Contact Number | 9297954926 |
| City | MADHUBANI |
| District | MADHUBANI |
| Reason | JHANJHARPUR |
| Pincode | 847108 |
| State | Bihar |
Merger Update
Bihar Gramin Bank branches that were earlier under Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB) have been consolidated under Punjab National Bank operations for electronic transfers. The unified IFSC for the Laukahi branch is PUNB0MBGB06. Old UBGB or DBGB IFSC codes have been revoked. Only the new IFSC PUNB0MBGB06 should be used for NEFT, RTGS and IMPS transactions. Using revoked or old IFSCs can cause failed transfers and delays.
What is IFSC Code?
IFSC stands for Indian Financial System Code. It is an 11-character code that uniquely identifies a bank branch in India for electronic payments.
- Characters 1–4 = bank code. Example: PUNB = Punjab National Bank.
- Character 5 = reserved and is always 0 (zero).
- Characters 6–11 = branch identifier. They can be letters or numbers. In this case MBGB06 denotes the Laukahi branch under the PNB-managed code.
So, PUNB0MBGB06 breaks down as: PUNB (bank) + 0 (reserved) + MBGB06 (branch).
How to Use IFSC Code
Use the IFSC when making NEFT, RTGS or IMPS transfers. Follow these steps:
- Open your bank’s internet banking, mobile app, or visit the branch.
- Add a beneficiary. Enter the beneficiary name exactly as on their account.
- Enter the beneficiary account number. Double-check digits; mistakes cause failed transfers.
- Enter the IFSC PUNB0MBGB06 for the Bihar Gramin Bank Laukahi branch.
- Choose transfer type: IMPS for instant small-value transfers, NEFT for regular transfers (now available 24×7), or RTGS for high-value immediate settlement (typically for amounts ≥ Rs 2,00,000; check your bank limits).
- Enter the amount and optional remark. Confirm and authorize with OTP or bank token.
- Save the beneficiary if you will pay again. Verify the first small transfer before sending large sums.
Note: MICR code (800811002) is used for cheque clearing. It is not required for online NEFT/RTGS/IMPS transfers.
Benefits of Knowing the IFSC
- Accurate routing: Ensures funds reach the exact Laukahi branch and account.
- Faster transfers: Proper IFSC avoids returns and re-processing delays.
- Supports all electronic modes: Required for NEFT, RTGS and IMPS payments.
- Helpful for cheque and form verification: Confirms branch identity alongside MICR and branch code.
- Safer large transfers: Using correct IFSC reduces risk when sending high-value RTGS payments.
Contact
Branch phone: 9297954926
Branch address: Laukahi, MADHUBANI, 847108
Head office address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free: 18001807777
FAQs
Q: Can I use the old UBGB or DBGB IFSC to transfer money?
A: No. Old UBGB and DBGB IFSC codes have been revoked after the merger. Use the current IFSC PUNB0MBGB06 for Laukahi transactions.
Q: Where can I find the IFSC on my account documents?
A: The IFSC appears on the cheque leaf, account passbook, and the bank’s welcome kit. You can also ask the branch or check the branch details in internet banking.
Q: Is MICR code needed for online transfers?
A: No. The MICR code (800811002) is used for cheque clearing. For NEFT/RTGS/IMPS you only need the IFSC and the account number.
Q: What happens if I enter a wrong IFSC?
A: If the IFSC points to a valid branch but the account number does not exist there, the transfer will usually be returned and funds credited back after processing. If both IFSC and account number match another valid account, funds may go to that account. Always verify details before confirming.
Q: Which transfer method should I use for urgent payments?
A: For immediate credit use IMPS for low to medium amounts or RTGS for large amounts (check bank minimums; typically RTGS is used for ≥ Rs 2,00,000). NEFT is reliable and now operates 24×7, but IMPS and RTGS provide immediate finality.
If you need a written confirmation from the Laukahi branch, call 9297954926 or visit the branch in person before initiating a large transaction.
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.