The Bihar Gramin Bank branch at Lohat serves customers in Lohat village, Madhubani district, Bihar (PIN 847231). For electronic fund transfers — NEFT, RTGS and IMPS — you must use the branch IFSC. The IFSC uniquely identifies the bank and branch in online transfer systems so money routes correctly and reaches the intended account without delay.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Lohat |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100323 |
| Branch Address | Lohat, MADHUBANI, 847231, 9297954861 |
| Contact Number | 9297954861 |
| City | MADHUBANI |
| District | MADHUBANI |
| Reason | MADHUBANI |
| Pincode | 847231 |
| State | Bihar |
Merger update
This branch now uses the single IFSC code PUNB0MBGB06 under Punjab National Bank. Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) were merged into a single entity and their old IFSC codes issued under UBGB/DBGB have been revoked. For all electronic transfers (NEFT, RTGS, IMPS) use only the new IFSC PUNB0MBGB06. Transactions attempted with old UBGB/DBGB IFSC codes may fail or be returned.
What is an IFSC code?
The IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to identify bank branches in electronic transfers. Its structure is fixed:
- First 4 characters — bank identifier (example: PUNB = Punjab National Bank).
- Fifth character — reserved and is always 0.
- Last 6 characters — branch identifier (example: MBGB06 in PUNB0MBGB06).
Note the IFSC is different from the MICR code (used for cheque clearing) and the internal numeric branch code (here: 100323).
How to use the IFSC code for NEFT, RTGS and IMPS
- Open your bank’s internet banking or mobile banking app (or visit branch if you do transactions there).
- Choose “Fund Transfer” or “Add Beneficiary.” Add a new beneficiary if needed.
- Enter beneficiary name, account number, and the IFSC: PUNB0MBGB06. Double-check spelling and digits.
- Select transfer mode:
- NEFT — for general transfers (no minimum amount). NEFT is available 24×7 and settles in batches.
- RTGS — for high-value transfers (minimum typically ₹2,00,000). RTGS is for immediate settlement and now operates round-the-clock.
- IMPS — immediate payment service for instant transfers, available 24×7 (bank may impose per-transaction limits).
- Enter amount and any remarks. Confirm details and authorize with your bank’s OTP or transaction PIN.
- After confirmation, note the transaction reference. For NEFT/RTGS, confirm beneficiary activation timelines (some banks require a short waiting period before first transfer).
Benefits of knowing the IFSC code
- Ensures funds reach the correct branch and account without manual intervention.
- Required to add beneficiaries in internet/mobile banking and pay online.
- Speeds up transfers: IMPS/RTGS settle immediately when correct IFSC is used.
- Helps verify branch identity when reconciling statements or cheque operations (paired with MICR and branch code).
- Prevents delays and return charges that occur when incorrect branch details are provided.
Contact
Branch phone no: 9297954861
Branch Address: Lohat, MADHUBANI, 847231
Head office address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777
FAQs
Q: Can I use any IFSC that starts with PUNB for this branch?
A: No. The IFSC must match the specific branch. For Bihar Gramin Bank, Lohat branch the correct IFSC is PUNB0MBGB06. Using another PUNB IFSC will direct funds to a different branch.
Q: What happens if I enter the wrong IFSC but correct account number?
A: Most systems validate IFSC against the bank name. If IFSC and account number mismatch, the transfer can fail or be routed incorrectly. If funds go to a wrong account, you must contact your bank immediately to recover them — recovery may take time and is not guaranteed.
Q: Is IFSC the same as MICR?
A: No. IFSC is for electronic transfers (NEFT/RTGS/IMPS). MICR (Magnetic Ink Character Recognition) is a 9-digit code used primarily for cheque clearing. For the Lohat branch the MICR is 800811002.
Q: After the UBGB/DBGB merger, are old IFSC codes still valid?
A: No. Old UBGB and DBGB IFSC codes have been revoked after the merger. Use only the new IFSC PUNB0MBGB06 for all transactions to this branch.
Q: What is the branch code and how is it different from IFSC?
A: The branch code is an internal numeric identifier; for Lohat it is 100323. IFSC includes the bank and branch identifier in an 11-character format for electronic transfers. The branch code is often used for internal bank recordkeeping.
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.