Bihar Gramin Bank MANIHARI IFSC Code

Bihar Gramin Bank — MANIHARI is located in Manihari village / town in Kaimur (Bhabua) district of Bihar, PIN 821105. This branch serves local customers for deposits, withdrawals, and digital transactions. For any electronic fund transfer — NEFT, RTGS or IMPS — the IFSC code is essential. The IFSC tells the payment system which bank and which branch should receive the funds. Entering the correct IFSC prevents delays, failed transfers, and wrong routing of money.

Branch Details Table

Bank Name	Bihar Gramin Bank
Branch Name	MANIHARI
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	7527
Branch Address	MANIHARI, Kaimur (Bhabua), 821105, 7541807527
Contact Number	7541807527
City	Kaimur (Bhabua)
District	Kaimur (Bhabua)
Reason	BHABHUA
Pincode	821105
State	Bihar

Merger update

If this branch was previously part of Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB), note that both entities have been merged and banking operations now use the single IFSC code PUNB0MBGB06 under Punjab National Bank (PNB). Old UBGB and DBGB IFSC codes have been revoked. For all NEFT/RTGS/IMPS transfers, use only PUNB0MBGB06. If you have beneficiaries saved with an old UBGB/DBGB IFSC, update them immediately to avoid failed or returned transactions.

What is an IFSC code?

The Indian Financial System Code (IFSC) is an 11-character alphanumeric identifier used by the Reserve Bank of India payment systems to route electronic transfers to the correct bank branch.

• First 4 characters = bank code (alphabetic). Example: PUNB = Punjab National Bank.
• 5th character = reserved, always 0 (zero).
• Last 6 characters = branch identifier (alphanumeric). Example: MBGB06 identifies the specific branch.
• Example full IFSC: PUNB0MBGB06 (11 characters total).

MICR code (here 800811002) is a 9-digit numeric code used for cheque clearing through the magnetic ink character recognition system. It is not used for online transfers.

How to use the IFSC code for NEFT, RTGS, IMPS

• Open your bank’s netbanking, mobile app, or UPI app. Choose the fund transfer option.
• Select add beneficiary / payee. Enter beneficiary name and account number exactly as on their account.
• Enter the IFSC: PUNB0MBGB06. Double-check characters — letters and zero are case-insensitive but must be correct.
• Save beneficiary. Your bank may ask for an OTP or a beneficiary activation wait time (varies by bank).
• Choose transfer type:
  • NEFT — suitable for most amounts; processed by the bank in scheduled settlements (NEFT is available 24×7 but settlement depends on bank). No fixed minimum.
  • RTGS — real-time gross settlement for high-value transfers; typically used for large amounts (banks commonly use ₹2 lakh as a reference threshold).
  • IMPS — immediate payment service; instant 24×7 for smaller to medium transfers (subject to bank limits).
• Enter amount, confirm details, authenticate (OTP/password). For a new beneficiary, consider a small test transfer first.
• Keep transaction reference for tracking. If transfer fails or is returned, contact your bank with the reference number.

Benefits of knowing the IFSC

• Ensures funds reach the correct bank branch and account without delay.
• Required information to add beneficiaries for NEFT, RTGS and IMPS.
• Makes government payments, salary credits and vendor payments smoother.
• Helps banks validate and reconcile incoming transactions.
• Saves time and reduces the chance of manual errors during data entry.

Contact

Branch phone number: 7541807527

Branch address: MANIHARI, Kaimur (Bhabua), 821105

Head office address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR

Toll free: 18001807777

FAQs

• Q: How can I confirm that PUNB0MBGB06 is the correct IFSC for MANIHARI branch?
  A: Verify on the bank passbook or cheque leaf, or ask the branch over the listed phone number. Also confirm with your bank’s branch directory or customer care before initiating a large transfer.
• Q: What happens if I enter the wrong IFSC while adding a beneficiary?
  A: If the IFSC does not match the destination bank details, the transfer will usually be rejected and funds returned. If details accidentally match a different account, the funds may go to the wrong account and recovery can be slow. Always double-check IFSC and account number.
• Q: The branch used to belong to UBGB/DBGB. Do I still use the old IFSC?
  A: No. Old UBGB and DBGB IFSC codes have been revoked. Use only PUNB0MBGB06 for transactions after the merger under Punjab National Bank.
• Q: Is IFSC the same as MICR code?
  A: No. IFSC is an 11-character alphanumeric code for electronic transfers. MICR is a 9-digit numeric code used for cheque clearing.
• Q: How quickly will a transfer reflect in the beneficiary account?
  A: IMPS is typically instant (seconds to minutes). RTGS is immediate for individual transactions. NEFT is processed in settlement batches; banks now offer NEFT 24×7 but timing can vary. Actual time depends on both originating and receiving banks.