Bihar Gramin Bank Raghopur IFSC Code

The Bihar Gramin Bank, Raghopur branch is located in Raghopur, Darbhanga district, Bihar (PIN 847239). This branch serves local customers for deposits, withdrawals and electronic fund transfers. For NEFT, RTGS and IMPS transfers you must use the correct IFSC code. The IFSC identifies the bank and branch in electronic payment systems and ensures money reaches the intended account without delay.

Branch Details

Merger Update

Important: The old Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) entities have been consolidated under Punjab National Bank systems for electronic transfers. The Raghopur branch now uses the single IFSC code PUNB0MBGB06. Old UBGB and DBGB IFSC codes have been revoked. If you try to use an old UBGB/DBGB IFSC the transaction will fail. Always use PUNB0MBGB06 for NEFT, RTGS and IMPS transfers to this branch.

What is IFSC Code?

The Indian Financial System Code (IFSC) is an 11-character alphanumeric code used to route electronic payments. Its structure is fixed:

• First 4 characters: Bank code (alphabetic). Example: PUNB stands for Punjab National Bank.
• 5th character: Reserved and set to 0 (zero).
• Last 6 characters: Branch identifier. This can be letters or numbers. Example: MBGB06 in PUNB0MBGB06 identifies the Raghopur branch within the bank.

How to Use IFSC Code

• Open your bank’s netbanking or mobile app. Choose “Transfer” or “Send Money.”
• Select the transfer type: NEFT, RTGS or IMPS. IMPS is instant. NEFT and RTGS are for standard and high-value transfers respectively; check your bank’s limits and charges.
• Add a new beneficiary if required. Enter the beneficiary name exactly as on the account, the correct account number, and the IFSC: PUNB0MBGB06.
• Verify the bank and branch name that appears after entering the IFSC. If it does not match “Punjab National Bank — Raghopur,” re-check the code.
• Save the beneficiary and complete any OTP or transaction-password verification.
• Initiate the transfer and note the transaction reference or UTR number for tracking.
• For urgent large-value transfers, choose RTGS if your bank requires it. For immediate small-value transfers, choose IMPS. NEFT is suitable for routine transfers.

Benefits of Knowing the IFSC

• Ensures funds are routed to the exact branch and account. This reduces payment failures.
• Required for adding beneficiaries in netbanking and mobile apps.
• Makes electronic payments (NEFT/RTGS/IMPS) simple and auditable with a UTR reference.
• Helps verify recipient bank and branch before sending money.
• Useful when filling cheque deposit slips or electronic forms that ask for branch details.

Contact

Branch Phone: 9297955146

Branch Address: Raghopur, DARBHANGA, 847239

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 Raghopur branch?

  A: The IFSC code is PUNB0MBGB06. Use this for NEFT, RTGS and IMPS transfers to the Raghopur branch.

• Q: Can I still use the old UBGB or DBGB IFSC codes?

  A: No. Old UBGB and DBGB IFSC codes have been revoked after the merger. Only PUNB0MBGB06 is valid. Using an old code will result in a failed transaction.

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

  A: The MICR code for this branch is 800811002. It is used for processing cheques at clearing houses. It is not required for online NEFT/RTGS/IMPS transfers, but bankers and cheque printers use it.

• Q: How quickly will funds arrive after I send money to this IFSC?

  A: IMPS transfers are immediate and normally settle within seconds. NEFT and RTGS settlement times depend on your bank and the chosen service; many banks now offer 24×7 processing. If timing is critical, choose IMPS for instant credit or RTGS for large-value immediate settlement and confirm with your bank about service hours and cutoffs.

• Q: I entered the wrong IFSC. What should I do?

  A: Contact your bank immediately with transaction details and the UTR (if available). If the wrong IFSC still maps to an existing branch, the receiving bank may credit the wrong account or hold funds; recovery requires coordination between both banks and can take time. If the IFSC was invalid, the transaction may be rejected and returned to your account.

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.