Bihar Gramin Bank Mohanganj Dhouni IFSC Code

The Bihar Gramin Bank branch at Mohanganj Dhouni is located in Munger (Monghyr), Bihar (PIN 813221). This branch serves local retail and agricultural customers in and around Mohanganj Dhouni. For electronic fund transfers—NEFT, RTGS and IMPS—the correct IFSC code identifies the exact bank and branch. Using the right IFSC reduces delays, avoids failed transfers and ensures money reaches the intended account quickly.

Branch Details

Merger Update

Important: The regional rural banks that operated as Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been consolidated under Punjab National Bank sponsorship. As part of that reorganisation, the unified IFSC code for this network is PUNB0MBGB06. Old UBGB and DBGB IFSC codes have been revoked. For any NEFT, RTGS or IMPS transfer to this branch you must use PUNB0MBGB06. Transactions made with the old UBGB/DBGB IFSC codes will not be processed.

What is IFSC Code?

The IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to identify bank branches in electronic payment systems.

• First 4 characters: bank identifier. Example: PUNB = Punjab National Bank (sponsor).
• 5th character: reserved and is always 0.
• Last 6 characters: branch identifier. Example: MBGB06 identifies this specific branch under the sponsor bank.

How to Use IFSC Code for NEFT, RTGS, IMPS

• Open your bank’s app or netbanking portal and go to “Add Beneficiary” or “New Payee”.
• Enter beneficiary name exactly as on the account. Enter the account number.
• Enter IFSC: PUNB0MBGB06 for Bihar Gramin Bank, Mohanganj Dhouni branch.
• Select the transfer mode: NEFT, RTGS, or IMPS. IMPS is instant and available 24×7. NEFT is batch-based but widely used. RTGS is for higher-value payments.
• Enter the amount and any remarks. Verify all details carefully.
• Authorize the payment with the bank’s two-factor authentication (OTP, token or netbanking password).
• Keep the transaction reference number. Check beneficiary account statement or notify the beneficiary to confirm receipt.

Benefits of Knowing the IFSC

• Ensures accurate routing of electronic payments (NEFT, RTGS, IMPS).
• Reduces failed or returned transactions, saving time and fees.
• Helps you validate beneficiary details before sending money.
• Makes bank reconciliation easier for businesses and individuals.
• Required for online forms, salary credits, and receiving inward transfers.

Contact

Branch Phone: 8102918718

Branch Address: Mohanganj Dhouni, Munger (Monghyr), 813221

Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR

Toll Free: 18001807777

FAQs

• Q: How do I confirm that PUNB0MBGB06 is correct for Mohanganj Dhouni?
  A: Confirm on the branch passbook, cheque leaf (IFSC printed), or by calling the branch at 8102918718. After the UBGB/DBGB merger, only PUNB0MBGB06 is valid.
• Q: What happens if I enter the wrong IFSC during transfer?
  A: If the IFSC does not match a valid branch, the transfer will usually be rejected and returned. If it matches a different valid branch, funds could go to a different account. Contact your bank immediately to trace or recall the transaction.
• Q: Is the IFSC the same as the MICR code?
  A: No. IFSC routes electronic transfers. MICR (Magnetic Ink Character Recognition) is a 9-digit code used for cheque processing. For this branch MICR is 800811002.
• Q: After the merger, are old UBGB or DBGB IFSCs usable?
  A: No. Old UBGB/DBGB IFSC codes have been revoked. Use the single unified IFSC PUNB0MBGB06 for transactions.
• Q: Which transfer method should I choose: NEFT, RTGS or IMPS?
  A: Use IMPS for instant, low-to-medium value transfers available 24×7. Use NEFT for routine transfers; it may settle in hourly batches depending on banking hours. Use RTGS for high-value or urgent transfers where your bank offers it.

Kriti Kumari

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.