The Mabbi branch of Bihar Gramin Bank is located in the Darbhanga district of Bihar. For anyone looking to send or receive money through this branch, understanding its Indian Financial System Code (IFSC) is essential. This unique 11-character code is mandatory for all online fund transfers in India, including National Electronic Funds Transfer (NEFT), Real-Time Gross Settlement (RTGS), and Immediate Payment Service (IMPS). The IFSC code acts like a specific address, ensuring that your funds are routed directly to the correct bank branch without any errors.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Mabbi |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | MBGB06 |
| Branch Address | Mabbi, DARBHANGA, 846005 |
| Contact Number | 9297955170 |
| City | DARBHANGA |
| District | DARBHANGA |
| State | Bihar |
Important Merger Update
Bihar Gramin Bank was formed through the amalgamation of two former regional rural banks: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). The newly formed bank is sponsored by Punjab National Bank (PNB). Because of this merger, all old IFSC codes belonging to UBGB and DBGB branches have been discontinued and are no longer valid. Using an old code will result in a failed transaction. For all online fund transfers to the Mabbi branch, you must use the new and correct IFSC code: PUNB0MBGB06.
What is an IFSC Code?
An IFSC code is an 11-character alphanumeric identifier that uniquely pinpoints a bank branch within India’s electronic payment network. The structure is simple and consistent across all banks.
Let’s break down the IFSC code for the Mabbi branch, PUNB0MBGB06:
- PUNB: The first four letters identify the parent bank. In this case, it is Punjab National Bank, the sponsor bank.
- 0: The fifth character is always a zero. It is reserved for future use.
- MBGB06: The last six characters represent the specific branch code. Here, it identifies the Mabbi branch of Bihar Gramin Bank.
How to Use the IFSC Code for Fund Transfers
Using the IFSC code for an online transaction is a straightforward process. Whether you are using a mobile banking app or a web portal, the steps are generally the same.
- Log In: Access your bank’s net banking or mobile banking platform.
- Add Payee: Navigate to the fund transfer section and choose to add a new beneficiary or payee.
- Enter Details: You will be asked to provide the recipient’s details. This includes their name, bank account number, and the IFSC code of their branch. For the Mabbi branch, you would enter PUNB0MBGB06.
- Verify and Confirm: Double-check all the entered details for accuracy. Once confirmed, you can proceed to transfer funds using NEFT, RTGS, or IMPS.
Benefits of Using the Correct IFSC Code
- Ensures Accuracy: The primary benefit is that it directs your money to the exact bank branch it is intended for, eliminating transfer errors.
- Automates Transactions: The code allows the entire fund transfer process to be automated, which reduces the need for manual checks and speeds up settlement times.
- Enhances Security: By verifying the destination branch, the IFSC code adds a layer of security to electronic transactions, minimizing the risk of funds being sent to an incorrect account.
- Enables Digital Payments: It is the backbone of India’s digital payment infrastructure, making services like NEFT, RTGS, and IMPS possible.
Contact Information
For direct assistance, you can reach out to the branch or the bank’s head office.
- Branch Contact: 9297955170
- Branch Address: Mabbi, Darbhanga, Bihar – 846005
- Head Office Address: Shri Vishnu Commercial Complex, Asochak, Patna, Bihar – 800030
- Toll-Free Number: 18001807777
Frequently Asked Questions
1. Can I still use my old Uttar Bihar Gramin Bank (UBGB) IFSC code?
No. After the merger and formation of Bihar Gramin Bank, all old IFSC codes from UBGB and DBGB have been revoked. You must use the new codes, like PUNB0MBGB06 for the Mabbi branch, for all transactions.
2. Is the IFSC code PUNB0MBGB06 valid for all branches of Bihar Gramin Bank?
No. Every bank branch has its own unique IFSC code. The code PUNB0MBGB06 is assigned exclusively to the Mabbi branch in Darbhanga. Using it for another branch will cause the transaction to fail.
3. What happens if I enter the wrong IFSC code?
If the IFSC code you enter does not exist, your bank will reject the transaction, and the money will be credited back to your account. However, if you enter a valid IFSC code that belongs to a different branch, the funds could be misrouted. It is very important to double-check the code before confirming a transfer.
4. Where can I find my branch’s IFSC code?
You can find the IFSC code printed on the chequebook and passbook issued by your bank. It is also available on the bank’s official website and mobile application.
5. How is an IFSC code different from a MICR code?
The IFSC code is used for electronic fund transfers like NEFT and RTGS. The MICR (Magnetic Ink Character Recognition) code is a 9-digit code found at the bottom of a cheque leaf, used to speed up the processing of cheques.
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.