Bihar Gramin Bank, Mahinam branch is located in Mahinam, Darbhanga, Bihar 847103. This branch serves local depositors and businesses in DARBHANGA district. For electronic fund transfers such as NEFT, RTGS and IMPS, the IFSC code is essential. The IFSC identifies the bank and exact branch so funds route correctly and immediately between banks.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Mahinam |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100484 |
| Branch Address | Mahinam, DARBHANGA, 847103, 9297955123 |
| Contact Number | 9297955123 |
| City | DARBHANGA |
| District | DARBHANGA |
| Reason | DARBHANGA |
| Pincode | 847103 |
| State | Bihar |
Merger Update
Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) were merged into a single entity under Punjab National Bank’s sponsorship. As part of that consolidation, the unified branch code and IFSC to use for transactions is PUNB0MBGB06. Old IFSC codes that belonged to UBGB or DBGB have been revoked. For NEFT, RTGS or IMPS transactions you must use the new IFSC PUNB0MBGB06; the old codes are no longer valid.
What is IFSC Code?
IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code used to identify bank branches in electronic transfers. Structure:
- First 4 characters: Bank identifier (for example, PUNB = Punjab National Bank).
- 5th character: Reserved and is always 0.
- Last 6 characters: Branch identifier (alphanumeric). In PUNB0MBGB06, MBGB06 designates the Mahinam branch.
How to Use IFSC Code
Follow these steps when sending money to the Bihar Gramin Bank, Mahinam branch:
- Collect recipient details: account holder name, account number and IFSC PUNB0MBGB06. Confirm the branch address if needed.
- Login to your bank’s internet banking, mobile banking app or use an authorised third-party app that supports NEFT/RTGS/IMPS.
- Choose “Add Beneficiary” or “New Payee”. Enter the beneficiary name, account number and IFSC exactly as provided. The IFSC ensures the funds route to the correct branch.
- Once the beneficiary is added and authorised (many banks require an OTP or waiting period), select the payment method: NEFT, RTGS or IMPS.
- Enter the transfer amount and confirm. Review the beneficiary details and IFSC before finalising. Approve the transaction using the OTP or transaction PIN your bank requires.
- Check transaction status in your banking app. For successful transfers you will receive an acknowledgment with a reference number. Save it until the recipient confirms credit.
Notes: IMPS is for instant 24×7 small and medium-value transfers. RTGS is used for immediate high-value transfers. NEFT is generally available for standard transfers and operates across scheduled settlement or real-time windows depending on bank systems. Always check your bank’s limits and cut-off rules.
Benefits of Knowing the IFSC
- Ensures accurate routing of funds to the exact branch and account.
- Reduces transfer errors and failed transactions.
- Required to add beneficiaries for NEFT, RTGS and IMPS in online banking.
- Helps verify branch identity when reconciling payments or invoices.
- Useful for automated payroll, vendor payments and recurring transfers.
Contact
Branch phone no: 9297955123
Branch Address: Mahinam, DARBHANGA, 847103
Head office address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777
FAQs
Q: Is PUNB0MBGB06 the only IFSC I should use for Mahinam branch?
A: Yes. Following the consolidation under Punjab National Bank, PUNB0MBGB06 is the valid IFSC for transactions to this branch. Old UBGB/DBGB IFSCs are revoked and should not be used.
Q: What happens if I enter the wrong IFSC?
A: IFSC plus account number are used together for routing. If the IFSC is wrong but the account number belongs to a different branch, the transfer may still fail or go to the wrong branch. Contact your bank immediately with transaction details. Banks will trace and recover funds, but recovery depends on the recipient bank’s cooperation and can take time.
Q: Can I use this IFSC for UPI payments?
A: UPI uses virtual payment addresses (VPAs) and typically does not require IFSC. However, for bank account-based electronic transfers (NEFT/RTGS/IMPS) you must use IFSC PUNB0MBGB06.
Q: How do I confirm the IFSC before making a large transfer?
A: Confirm with the beneficiary or call the branch at 9297955123. Cross-check the IFSC on bank-provided documents (passbook, cheque leaf) or ask the head office helpdesk at the toll-free 18001807777 before initiating large transfers.
Q: Are there charges for using NEFT/RTGS/IMPS to this branch?
A: Transfer charges are set by the remitting bank. Small fees may apply depending on service (NEFT, RTGS, IMPS) and the bank’s tariff. Check the fee schedule with your bank or on the transaction screen before confirming a payment.
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.