Bihar Gramin Bank Muraul IFSC Code

Bihar Gramin Bank Muraul IFSC Code

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The Bihar Gramin Bank branch at Muraul is located in Muzaffarpur district, Bihar (PIN 843111). This IFSC code page helps customers and remitters confirm the correct code for fund transfers. The IFSC is required when you send money through NEFT, RTGS or IMPS so the payment gateway routes funds to the exact bank branch. Using the right IFSC reduces failed transfers and delays.

Branch Details

Bank Name Bihar Gramin Bank
Branch Name Muraul
IFSC Code PUNB0MBGB06
MICR Code 800811002
Branch Code 100070
Branch Address Muraul, MUZAFFARPUR, 843111, 9297955376
Contact Number 9297955376
City MUZAFFARPUR
District MUZAFFARPUR
Reason MUZAFFARPUR
Pincode 843111
State Bihar

Merger Update

Note: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged under Punjab National Bank’s sponsor structure. All former UBGB and DBGB branches now operate using the single IFSC PUNB0MBGB06 under Punjab National Bank. Old UBGB IFSC codes have been revoked. Use only the new IFSC for NEFT, RTGS and IMPS transactions to avoid rejections or routing delays.

What is IFSC Code?

The IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to identify bank branches in electronic payments. Its structure is:

  • First 4 characters – bank identifier (alphabetic). Example: PUNB identifies Punjab National Bank.
  • 5th character – reserved and is always 0 (zero).
  • Last 6 characters – branch identifier (alphanumeric). Example: MBGB06 identifies the Muraul branch in this IFSC.

So for PUNB0MBGB06: PUNB = bank, 0 = reserved, MBGB06 = branch code. Payment systems use the full 11-character code to route funds to the precise branch and account.

How to Use IFSC Code for NEFT / RTGS / IMPS

  1. Open your bank’s netbanking, mobile banking or visit the branch for a transfer form.
  2. Choose the transfer type: NEFT, RTGS (for large-value immediate settlement) or IMPS (instant, 24×7 depending on bank support).
  3. Add beneficiary details: beneficiary name, bank account number, and IFSC code PUNB0MBGB06. Optionally add branch and address for clarity.
  4. Save beneficiary. Many banks require an approval step (SMS/OTP or branch confirmation). Wait for the approval period if applicable.
  5. Initiate the transfer. Enter amount and reason, confirm with OTP or transaction PIN.
  6. Record the transaction reference. Check beneficiary account for credit and follow-up with branch if there is a delay.

Tip: Double-check account number and IFSC before confirming. An incorrect IFSC can route money to the wrong branch account or cause rejection.

Benefits of Knowing the IFSC

  • Ensures accurate routing of electronic payments (NEFT, RTGS, IMPS).
  • Reduces failed or delayed transfers caused by wrong branch identification.
  • Helps add beneficiaries in netbanking/mobile apps without visiting a branch.
  • MICR and IFSC together speed up cheque clearing and electronic credits.
  • Useful for business payrolls, vendor payments and inward remittances.

Contact

Branch Phone No: 9297955376

Branch Address: Muraul, MUZAFFARPUR, 843111

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

Toll Free No: 18001807777

FAQs

  • Q: Can I use the old UBGB IFSC for transfers?

    A: No. Old UBGB IFSC codes have been revoked following the merger. Use the new IFSC PUNB0MBGB06 under Punjab National Bank for all electronic transfers.

  • Q: Where can I find the IFSC on my cheque leaf?

    A: The IFSC is usually printed on the top of the cheque book leaf or near the MICR band. If not present, use the bank-provided details or confirm with the branch.

  • Q: Is IFSC case-sensitive?

    A: No. Most banking systems treat IFSC codes as case-insensitive. Still, enter it exactly as given (PUNB0MBGB06) to avoid errors.

  • Q: What is MICR and when is it used?

    A: MICR (Magnetic Ink Character Recognition) is a 9-digit code used mainly for cheque clearing. For Muraul branch the MICR is 800811002. Electronic transfers use IFSC instead of MICR.

  • Q: What if I enter the wrong IFSC while transferring funds?

    A: If the wrong IFSC points to a valid branch and account number combination, the funds may be credited incorrectly. If the code-account combination is invalid, the transaction will usually be returned. Contact your bank immediately with the transaction reference to start a trace and reversal.

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