The Bihar Gramin Bank branch at Narahia is located in Narahia, Madhubani district, Bihar (Pincode 847108). This branch serves local residents and businesses in and around Jhanjharpur. For electronic fund transfers such as NEFT, RTGS and IMPS, the branch IFSC code is required to identify the exact bank and branch. Using the correct IFSC ensures funds route to the right account quickly and reduces failed or delayed transfers.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Narahia |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100377 |
| Branch Address | Narahia, MADHUBANI, 847108, 9297954951 |
| Contact Number | 9297954951 |
| City | MADHUBANI |
| District | MADHUBANI |
| Reason | JHANJHARPUR |
| Pincode | 847108 |
| State | Bihar |
Merger Update
Important: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) were merged and now operate under a single sponsor arrangement with Punjab National Bank. As part of that consolidation, the unified IFSC code for the Narahia branch is PUNB0MBGB06. Old IFSC codes issued under UBGB or DBGB have been revoked. For NEFT, RTGS and IMPS transactions, use only the new IFSC code PUNB0MBGB06. Transactions attempted with revoked IFSCs may fail or be delayed.
What is IFSC Code?
The IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to identify a bank and its specific branch in electronic payments. The structure is fixed:
- First 4 characters — bank identifier (example: PUNB = Punjab National Bank).
- 5th character — reserved and is always 0 (zero).
- Last 6 characters — branch identifier (alphanumeric). For this branch the last six are MBGB06.
So for PUNB0MBGB06: PUNB = bank, 0 = reserved, MBGB06 = Narahia branch code under the sponsor bank mapping.
How to Use IFSC Code for NEFT, RTGS, IMPS
- Open your bank’s online banking, mobile app or visit the branch if you prefer manual form.
- Choose the transfer method: NEFT, RTGS or IMPS. (NEFT is for general transfers, RTGS for higher-value real-time transfers, IMPS for instant transfers on mobile/online.)
- Enter beneficiary name exactly as on their bank account.
- Enter the beneficiary account number accurately.
- Enter the IFSC: PUNB0MBGB06. Verify each character; a single mistake can route funds incorrectly.
- Enter the beneficiary bank and branch (Bihar Gramin Bank, Narahia / Madhubani) if prompted.
- Enter amount and purpose, then authorize the payment with OTP or transaction PIN as required by your bank.
- Save the beneficiary details if you will repeat transfers to the same account.
- Check the transfer confirmation and record the reference number. Verify with beneficiary if funds are received.
Note: Transaction limits and timing may vary by bank. NEFT and RTGS are typically available round-the-clock now at most banks. IMPS is instant and available 24×7. Confirm any limits (per transaction/day) with your bank.
Benefits of Knowing the IFSC
- Ensures accurate routing of electronic transfers to the correct branch and account.
- Reduces failed transfers and the need for time-consuming reversal procedures.
- Speeds up beneficiary setup in online banking and mobile apps.
- Required for filling forms like ECS, standing instructions and e-mandates.
- Useful for verifying branch identity when receiving payments or remittances.
Contact
Branch Phone: 9297954951
Branch Address: Narahia, MADHUBANI, 847108
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll Free Number: 18001807777
FAQs
Q: How can I verify that PUNB0MBGB06 is the correct IFSC for Narahia?
A: Verify on a cheque leaf from the account, the bank passbook, or by calling the branch at 9297954951. The bank’s head office or your initiating bank’s beneficiary setup screen also shows the IFSC before finalizing payments.
Q: What happens if I enter a wrong IFSC but correct account number?
A: If the IFSC does not match the account’s bank-branch mapping, the transfer may fail or be returned. In some systems, if the account number uniquely maps to a branch, it may still reach the recipient, but relying on that is risky. Always confirm IFSC and account number.
Q: Are the old UBGB or DBGB IFSC codes still valid?
A: No. Old IFSC codes under Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB) have been revoked following consolidation. Use the new IFSC PUNB0MBGB06 for transactions.
Q: Which transfer method should I use — NEFT, RTGS, or IMPS?
A: Use NEFT for routine transfers of any amount. Use RTGS for high-value immediate settlement when you need large-value funds to move in real time. Use IMPS for instant transfers on mobile or internet banking for smaller, urgent payments. Check your bank’s value limits for IMPS and RTGS.
Q: How long will funds take to reach the beneficiary after I send via NEFT/RTGS/IMPS?
A: IMPS is instant. RTGS typically processes in real time and is used for high-value transfers. NEFT settlement is usually instant or within a short time window; many banks now offer near real-time NEFT 24×7. Actual timing depends on both sender’s and beneficiary’s banks and any compliance checks.
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.