The Bihar Gramin Bank branch at Phenhara (East Champaran district, PIN 845430) serves rural customers in and around Motihari. For electronic fund transfers — NEFT, RTGS and IMPS — the branch uses the IFSC code PUNB0MBGB06. The IFSC is essential: it tells the payment network which bank and which branch should receive funds. Using the correct IFSC avoids failed transfers, delays and reconciliation problems.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Phenhara |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100226 |
| Branch Address | Phenhara, EAST CHAMPARAN, 845430, 9297954681 |
| Contact Number | 9297954681 |
| City | EAST CHAMPARAN |
| District | EAST CHAMPARAN |
| Reason | MOTIHARI |
| Pincode | 845430 |
| State | Bihar |
Merger Update
Important: Both Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged under Punjab National Bank (PNB). After the merger, branches formerly operating under UBGB/DBGB now use the single IFSC PUNB0MBGB06. Old UBGB or DBGB IFSC codes have been revoked. Only the new IFSC is valid for NEFT, RTGS and IMPS transactions. Enter PUNB0MBGB06 when sending funds to the Phenhara branch.
What is an IFSC Code?
The Indian Financial System Code (IFSC) is an 11-character alphanumeric code that identifies a specific bank branch for electronic payments.
- First 4 characters: Bank code (letters). Example: PUNB = Punjab National Bank.
- 5th character: Always 0 (reserved for future use).
- Last 6 characters: Branch identifier (letters/numbers). Example: MBGB06 in PUNB0MBGB06.
How to Use IFSC Code for NEFT, RTGS, IMPS
- Collect beneficiary details: account name, account number, bank name, branch name and IFSC (PUNB0MBGB06).
- Log in to your bank’s internet banking or mobile app, or visit a branch. Choose the transfer method: NEFT, RTGS or IMPS.
- Add a new beneficiary. Enter the beneficiary name, account number and IFSC exactly. Mistyping the IFSC can delay or fail the transaction.
- Confirm beneficiary addition per your bank’s process (many banks require OTP or activation period).
- Initiate the transfer: select the beneficiary, enter amount and payment type, verify details and authorize (OTP / transaction PIN).
- Check settlement rules: IMPS is instant and available 24×7 for typical retail limits; NEFT and RTGS are also available round-the-clock (confirm daily cut-offs with your bank). RTGS is intended for high-value transfers — commonly with a minimum of ₹2,00,000 (check your bank’s threshold).
- Save the transaction reference number. If the payment fails, provide IFSC, account number, transaction reference and timestamp when contacting your bank.
Benefits of Knowing the IFSC
- Ensures funds reach the correct bank branch quickly and reliably.
- Reduces failed transactions and the need for manual reconciliation.
- Required for all electronic transfers (NEFT, RTGS, IMPS) and many online payment forms.
- Makes bulk payments and payroll processing accurate when you maintain correct branch codes.
- Helps customer service verify and trace transactions when issues arise.
Contact
Branch Phone: 9297954681
Branch Address: Phenhara, EAST CHAMPARAN, 845430
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll-free number: 18001807777
FAQs
Q: Can I use an old UBGB IFSC to send money to Phenhara?
A: No. Old UBGB IFSC codes are revoked after the merger. Use the current IFSC PUNB0MBGB06 for all transactions.
Q: What happens if I enter the wrong IFSC but the correct account number?
A: Banks primarily route by IFSC and account number. If the IFSC points to a different branch but the account number exists with the receiving bank, the transaction may still succeed but could be delayed for manual verification. If details mismatch, the transfer may fail and be reversed. Contact your bank immediately with the transaction reference.
Q: Is IFSC case sensitive?
A: No. IFSC is not case sensitive, but enter it exactly as provided to avoid errors (use letters and digits where required).
Q: How can I verify the IFSC before sending funds?
A: Verify the IFSC displayed by your beneficiary or bank statement, and confirm via the branch contact number (9297954681) or the head office. Banks list IFSC on chequebooks and account passbooks as well.
Q: Which transfer mode should I choose for urgent high-value payments?
A: For high-value urgent payments, use RTGS (real-time gross settlement). RTGS is suitable for large transfers and is available across most hours. For smaller immediate transfers, IMPS is instant and available 24×7. NEFT is suited for routine transfers and now operates round-the-clock; check your bank for any internal limits.
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.