The Bihar Gramin Bank branch at Lohchi is located in Lohchi, Munger (Monghyr), Bihar — PIN 811211. This branch serves local customers for deposits, withdrawals and fund transfers. For electronic transfers like NEFT, RTGS and IMPS you must provide a correct IFSC code. The IFSC identifies the bank and branch in the RBI payment system. A wrong or outdated IFSC can delay a transfer or cause it to fail.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Lohchi |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 3208 |
| Branch Address | Lohchi, Munger (Monghyr), 811211, 8102918714 |
| Contact Number | 8102918714 |
| City | Munger (Monghyr) |
| District | Munger (Monghyr) |
| Reason | BHAGALPUR |
| Pincode | 811211 |
| State | Bihar |
Merger Update
Important: If this branch was earlier listed under Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB), note that these banks have been consolidated under Punjab National Bank systems for electronic clearing. All branches now use the single IFSC code PUNB0MBGB06 for NEFT, RTGS and IMPS. Old UBGB or DBGB IFSC codes have been revoked. Only the new IFSC PUNB0MBGB06 is valid for transactions.
What is an IFSC Code?
The Indian Financial System Code (IFSC) is an 11-character alpha-numeric code used to identify bank branches in electronic payments. The structure is fixed:
- First 4 characters: Bank code (letters). Example: PUNB for Punjab National Bank.
- 5th character: Reserved and is always 0 (zero).
- Last 6 characters: Branch identifier (letters or numbers). Example: MBGB06 in PUNB0MBGB06.
So PUNB0MBGB06 breaks down to PUNB | 0 | MBGB06. The code uniquely points to the Lohchi branch for electronic clearing.
How to Use the IFSC Code (NEFT, RTGS, IMPS)
- Open your bank’s netbanking app or mobile banking. You can also use branch banking or UPI apps where IFSC is required for bank-to-bank transfers.
- Choose the transfer type: NEFT, RTGS or IMPS. (IMPS is instant and available 24×7; NEFT works in hourly or half-hourly batches depending on bank; RTGS is for higher-value transfers.)
- Add a beneficiary: enter beneficiary name, account number and the IFSC PUNB0MBGB06 for Lohchi branch.
- Verify that the bank and branch shown by the app match Bihar Gramin Bank, Lohchi or PUNB0MBGB06. This prevents misdirected transfers.
- Enter amount and any remarks. Check any minimum or maximum limits set by your bank for RTGS/IMPS.
- Confirm transfer and complete authentication (OTP, token or biometric as required).
- Save the beneficiary after a successful small transfer. Some banks require a 30-minute to 24-hour clearance before first transfer depending on security rules.
Benefits of Knowing the IFSC
- Ensures electronic payments reach the correct branch quickly.
- Needed for NEFT, RTGS and IMPS transfers and to add beneficiaries in netbanking.
- Prevents delays due to incorrect branch identification.
- Helps reconcile payments. The IFSC appears on transaction receipts.
- Required when setting up standing instructions or receiving inward remittances from businesses.
Contact
Branch phone no: 8102918714
Branch Address: Lohchi, Munger (Monghyr), 811211
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777
FAQs
Q: Can I use lowercase letters for IFSC when entering online?
A: Yes. IFSC is case-insensitive in most apps. Still, enter it exactly as printed (PUNB0MBGB06) to avoid errors and to visually verify it.
Q: What happens if I enter a wrong IFSC?
A: If the IFSC does not match the account number, the transfer usually fails and funds are returned to the sender’s account. If the combination matches a different account, funds may credit another account. Contact your bank immediately if you suspect a misdirection.
Q: Are old UBGB or DBGB IFSCs still valid?
A: No. Old UBGB and DBGB IFSC codes have been revoked. Use the single IFSC PUNB0MBGB06 under Punjab National Bank for transactions to this branch.
Q: Which transfer type should I use for urgent payments?
A: Use IMPS for small urgent transfers available 24×7. For large urgent transfers during banking hours, use RTGS. NEFT is reliable for general payments; settlement timing depends on bank batching.
Q: How do I confirm the IFSC before sending money?
A: Confirm the IFSC printed on bank documents, on the branch passbook, or by calling the branch at 8102918714. Also verify beneficiary bank and branch name shown by your bank’s beneficiary confirmation screen before finalizing the transfer.
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.