The Bihar Gramin Bank branch at Maharail is located in Madhubani district of Bihar (PIN 847404). Its IFSC code is required for electronic fund transfers using NEFT, RTGS and IMPS. Entering the correct IFSC ensures the receiving bank and branch are identified precisely so funds route safely and quickly to the right account.
| Bank Name | Bihar Gramin Bank |
| Branch Name | Maharail |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100363 |
| Branch Address | Maharail, MADHUBANI, 847404, 9297954930 |
| Contact Number | 9297954930 |
| City | MADHUBANI |
| District | MADHUBANI |
| Reason | JHANJHARPUR |
| Pincode | 847404 |
| State | Bihar |
Merger Update
This branch operates under the consolidated structure where regional Gramin banks have been integrated with Punjab National Bank (PNB). In particular, the former Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) branches were brought under PNB. As a result, old UBGB and DBGB IFSC codes have been revoked. Use the single, updated IFSC code PUNB0MBGB06 for all electronic transactions to this branch. Transactions attempted with revoked/old IFSC codes will fail or be delayed.
What is IFSC Code?
IFSC stands for Indian Financial System Code. It is an 11‑character code used to identify bank branches in electronic payment systems. The structure is:
- First 4 characters – bank identifier (alphabetic). Example: PUNB = Punjab National Bank.
- 5th character – reserved and is always 0.
- Last 6 characters – branch identifier (alphanumeric). Example: MBGB06 denotes the Maharail branch under the PNB scheme.
So the IFSC PUNB0MBGB06 breaks down to PUNB | 0 | MBGB06.
How to Use IFSC Code for NEFT, RTGS and IMPS
Steps to transfer funds from any bank account to the Bihar Gramin Bank Maharail branch:
- Open your bank’s netbanking or mobile banking app and go to “Funds Transfer” or “Add Beneficiary”.
- Choose the transfer type: NEFT, RTGS or IMPS. (IMPS is immediate and available 24×7; RTGS is for larger sums; NEFT suits routine transfers. Check your bank’s limits and charges.)
- Enter beneficiary details: name, account number, and the IFSC PUNB0MBGB06. Confirm the branch name and MICR if requested (MICR: 800811002).
- Save the beneficiary. Most banks require a short activation period (minutes to a few hours) for new beneficiaries as a security step.
- After activation, initiate the transfer: enter amount, purpose, and confirm using OTP or transaction PIN.
- Note the transaction reference or UTR. Use it to track the transfer if needed.
Tip: For large value RTGS transfers, confirm your bank’s cut‑off times and any minimum/maximum limits before initiating.
Benefits of Knowing the IFSC
- Ensures funds route to the correct bank and branch every time.
- Required to add beneficiaries for NEFT, RTGS and IMPS transfers.
- Helps customer service locate transactions quickly (you can quote IFSC + MICR + branch code).
- Reduces failed transactions and reversal delays caused by incorrect branch information.
- Useful when filling forms for salary credit, vendor payments, or online bill payments.
Contact
Branch Phone: 9297954930
Branch Address: Maharail, MADHUBANI, 847404
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll Free: 18001807777
FAQs
Q: Can I use an old UBGB IFSC code to transfer money to this branch?
A: No. Old UBGB IFSC codes have been revoked after the merger. Use the current IFSC PUNB0MBGB06 for all transfers.
Q: What happens if I enter a wrong IFSC but correct account number?
A: If the wrong IFSC points to a different bank/branch, the transfer may go to another account or get rejected. If the bank detects mismatch between IFSC and account number, the transfer is usually rejected and funds will be returned, but this can take time. Always double‑check both account number and IFSC.
Q: Is IFSC the same as MICR?
A: No. IFSC identifies the bank and branch for electronic transfers (11 characters). MICR is a 9‑digit code used mainly for cheque processing and clearing. For electronic transfers you must use IFSC.
Q: Which transfer method should I use—NEFT, RTGS or IMPS?
A: Use IMPS for immediate small transfers via mobile (available 24×7). Use NEFT for routine transfers. Use RTGS for high‑value transfers where you want gross settlement. Exact limits and charges depend on your bank. When in doubt, check with your bank before transferring large sums.
Q: How do I verify this IFSC before sending money?
A: Verify the IFSC with the beneficiary directly (branch phone or address), or confirm via your bank’s beneficiary addition screen which shows branch details after you enter the IFSC. Do not rely solely on third‑party listings without cross‑checking.
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.