Bihar Gramin Bank Maulaganj IFSC Code

Maulaganj is a branch of Bihar Gramin Bank located in Darbhanga district, Bihar (Pincode 846004). If you need to send or receive money to this branch using NEFT, RTGS or IMPS, the correct IFSC code is essential. The IFSC identifies the bank and branch so electronic transfers route safely and quickly. Using a wrong or revoked IFSC can delay a transfer or cause it to be returned.

Branch Details

Bank Name	Bihar Gramin Bank
Branch Name	Maulaganj
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	100849
Branch Address	Maulaganj, DARBHANGA, 846004, 9297955127
Contact Number	9297955127
City	DARBHANGA
District	DARBHANGA
Reason	DARBHANGA
Pincode	846004
State	Bihar

Merger Update

Bihar Gramin Bank’s operations include branches that formerly belonged to Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). These regional gramin banks have been reorganized under Punjab National Bank’s sponsorship. The single, valid IFSC for transactions for this Maulaganj branch is PUNB0MBGB06. Old UBGB or DBGB IFSC codes have been revoked; they will no longer work for NEFT/RTGS/IMPS. Always use the updated IFSC shown above for any electronic fund transfer to this branch.

What is IFSC Code?

IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code used to uniquely identify a bank branch in electronic payment systems (NEFT, RTGS, IMPS). The structure is:

• First 4 characters – bank identifier (for example, “PUNB” = Punjab National Bank).
• 5th character – always 0 (reserved for future use).
• Last 6 characters – branch identifier (alphanumeric code assigned to the branch; for example, “MBGB06”).

So for IFSC PUNB0MBGB06: “PUNB” = bank, “0” = reserved, “MBGB06” = Maulaganj branch code.

How to Use IFSC Code for NEFT, RTGS, IMPS

• Step 1: Choose transfer mode in your bank app or internet banking (NEFT, RTGS or IMPS).
• Step 2: Add a beneficiary. Enter beneficiary name exactly as the account holder’s name and the beneficiary account number.
• Step 3: Enter the IFSC code PUNB0MBGB06 for Bihar Gramin Bank, Maulaganj branch.
• Step 4: Provide amount and any optional remarks. Double-check numbers and spelling.
• Step 5: Authorize the transfer (OTP, token or password as required by your bank).
• Step 6: Note the transaction reference. Keep it until you confirm the beneficiary received the funds.

Practical notes:

• NEFT: typically used for routine transfers; timing may follow bank/clearing schedules. NEFT services are available around the clock in most banks but check your bank’s cut-offs if needed.
• RTGS: used for high-value or urgent transfers. Confirm your bank’s limits and operating hours before initiating.
• IMPS: instant 24×7 transfer for smaller to medium amounts. Useful for immediate credit any time of day.
• Always save beneficiary details and confirm IFSC from a trusted source (cheque leaf, bank branch, or official communication) before sending large sums.

Benefits of Knowing the IFSC

• Ensures accurate routing of electronic funds to the correct bank branch.
• Speeds up transfers — fewer exceptions or returns when the correct IFSC is used.
• Required for NEFT, RTGS and IMPS beneficiary setup in online banking.
• Helps resolve issues: an accurate IFSC and branch code simplify reconciliation and tracking.
• Prevents delays and reduces the chance of funds being credited to the wrong branch.

Contact

Branch phone: 9297955127
Branch address: Maulaganj, DARBHANGA, 846004
Head office address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free: 18001807777

FAQs

Q: Is PUNB0MBGB06 the only IFSC I can use for Maulaganj branch?
A: Yes. PUNB0MBGB06 is the valid IFSC to route NEFT/RTGS/IMPS to the Bihar Gramin Bank Maulaganj branch. Old IFSCs from predecessor banks (UBGB/DBGB) have been revoked and will not work.

Q: What happens if I enter a wrong IFSC when transferring money?
A: Two outcomes are common: the transfer can be rejected immediately by the clearing system, or it can be misrouted to another branch if the account number and IFSC match a different branch. Rejected transfers are returned to the remitter — resolution time depends on the banks. Contact your bank and provide the transaction reference to speed up recovery.

Q: Can I use this IFSC for UPI transfers?
A: No. UPI uses Virtual Payment Addresses (VPAs) and linked bank accounts. IFSC is required only when setting up beneficiaries for NEFT/RTGS/IMPS in internet or mobile banking.

Q: Where can I verify the IFSC before making a transfer?
A: Verify the IFSC on a cheque leaf (usually printed), your bank passbook, the branch office, or by calling the branch phone number (9297955127) or the bank’s toll-free number (18001807777). Avoid relying on unverified third-party sites.

Q: How long does it take for money to arrive after I use NEFT/RTGS/IMPS?
A: IMPS is usually instant. RTGS is processed in real time for high-value transfers and should credit quickly during operating hours. NEFT is processed in clearing batches, though many banks now provide near-real-time or round-the-clock NEFT — check with your bank for expected timing and cut-offs.