The Bihar Gramin Bank branch at Phulaut is located in Phulaut village in Madhepura district, Bihar (PIN 852218). For electronic fund transfers such as NEFT, RTGS and IMPS, the IFSC code is the key identifier used by banks and payment systems to route money to the correct branch. Entering the correct IFSC ensures the payment reaches the intended account quickly and avoids delays or reversals.
Branch Details Table
| Bank Name | Bihar Gramin Bank |
| Branch Name | Phulaut |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100802 |
| Branch Address | Phulaut, MADHEPURA, 852218, 9297954330 |
| Contact Number | 9297954330 |
| City | MADHEPURA |
| District | MADHEPURA |
| Reason | SAHARSA |
| Pincode | 852218 |
| State | Bihar |
Merger Update
Important: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged into a single entity under Punjab National Bank. All former UBGB and DBGB IFSC codes have been revoked. The merged branches now use the unified IFSC code PUNB0MBGB06 for electronic transfers. Use only this new IFSC for NEFT, RTGS and IMPS transactions. Any old UBGB or DBGB IFSC entered in payment instructions may cause the transfer to fail.
What is IFSC Code?
The IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to identify bank branches in electronic payments.
Structure:
- First 4 characters: Bank identifier (example: PUNB = Punjab National Bank).
- 5th character: Always 0 (reserved).
- Last 6 characters: Branch identifier (example: MBGB06 identifies the merged Bihar Gramin Bank branch).
Example: PUNB0MBGB06 breaks down as PUNB | 0 | MBGB06.
How to Use IFSC Code
Follow these steps when sending money to the Phulaut branch using NEFT, RTGS or IMPS:
- Open your bank app or netbanking portal. Go to the fund transfer section.
- Choose transfer type: NEFT, RTGS or IMPS. (RTGS is used for high-value transfers; IMPS for instant transfers; NEFT for regular transfers.)
- Add a new beneficiary. Enter beneficiary name and account number exactly as the account holder’s records show.
- Enter the IFSC code: PUNB0MBGB06. Double-check each character.
- Enter amount and purpose. Verify all details on screen.
- Authorize the transfer using OTP, token or banking password as required.
- Save or note the transaction reference for tracking and future queries.
Benefits of Knowing the IFSC
- Ensures accurate routing of funds to the correct branch.
- Speeds up processing and reduces chances of failed transfers.
- Needed to add beneficiaries in netbanking and mobile apps.
- Helps customer support locate transactions quickly using branch code.
- Prevents delays from using outdated or revoked IFSCs after mergers.
Contact
Branch Phone: 9297954330
Branch Address: Phulaut, Madhepura, Bihar – 852218
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA – 800030, BIHAR
Toll Free: 18001807777
FAQs
Q: What is the IFSC code for Bihar Gramin Bank Phulaut?
A: The IFSC code is PUNB0MBGB06. Use this for NEFT, RTGS and IMPS transfers.
Q: Can I use an old UBGB or DBGB IFSC for transfers to Phulaut?
A: No. After the merger into Punjab National Bank, old UBGB/DBGB IFSC codes have been revoked. Only PUNB0MBGB06 is valid.
Q: How do I verify that an IFSC is correct?
A: Verify the IFSC on a printed bank document such as a cheque leaf, passbook, account opening form, or by calling the branch phone (9297954330). When in doubt, ask the beneficiary to confirm via official bank documents.
Q: What happens if I enter the wrong IFSC?
A: If the IFSC is invalid, most transfers will be rejected and funds returned to the sender. If the IFSC is valid but points to a different branch, there is a risk the transfer may fail or—rarely—be credited to a wrong account. Immediately contact your bank and raise a transaction dispute if you suspect an error.
Q: Are NEFT, RTGS and IMPS services available round-the-clock?
A: Yes. NEFT and RTGS operate 24×7. IMPS is also available 24×7 for immediate transfers. Bank-specific limits and processing confirmations may vary, so confirm limits with your bank when sending large amounts.
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.