The Rampur branch of Bihar Gramin Bank is located in East Champaran district of Bihar (Pincode 845415). This IFSC detail is needed when sending or receiving electronic fund transfers through NEFT, RTGS, and IMPS. The IFSC routes payments to the correct bank and branch. Using the correct IFSC prevents failed transfers, delays, or funds going to the wrong account.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Rampur |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100290 |
| Branch Address | Rampur, EAST CHAMPARAN, 845415, 9297954704 |
| Contact Number | 9297954704 |
| City | EAST CHAMPARAN |
| District | EAST CHAMPARAN |
| Reason | MOTIHARI |
| Pincode | 845415 |
| State | Bihar |
Merger Update
The Rampur branch now uses the single IFSC code PUNB0MBGB06 under Punjab National Bank. This reflects the merger of the regional rural banks (Uttar Bihar Gramin Bank and Dakshin Bihar Gramin Bank) into a unified operation under PNB. Old IFSC codes that belonged to UBGB or DBGB have been revoked. For fund transfers, only the new IFSC PUNB0MBGB06 should be used. Using any old UBGB/DBGB IFSC code will cause the transaction to fail or be returned.
What is IFSC Code?
The Indian Financial System Code (IFSC) is an 11-character alphanumeric code used to identify bank branches for electronic payments. Its structure is:
- First 4 characters: Bank identifier (letters). Example: PUNB = Punjab National Bank.
- 5th character: Always 0 (reserved for future use).
- Last 6 characters: Branch identifier (letters/numbers). Example: MBGB06 identifies the specific branch.
So in PUNB0MBGB06 you have PUNB + 0 + MBGB06, which routes payments to this Rampur branch under PNB’s system.
How to Use IFSC Code
- Open your bank’s netbanking, mobile app, or visit the bank branch for a funds transfer.
- Choose the transfer type: NEFT, RTGS, or IMPS.
- Add a beneficiary: enter beneficiary name, account number, and the IFSC PUNB0MBGB06. Enter the MICR (800811002) if your bank asks for it.
- Specify the amount and purpose. For RTGS, ensure the amount meets the minimum RTGS threshold set by your bank.
- Verify details carefully — account number and IFSC must match the beneficiary’s records.
- Confirm the transfer and authenticate using OTP or your security credential.
- Keep the transaction reference number for tracking. IMPS is instant (24×7). NEFT and RTGS are operational 24×7 online, but check with your bank for any branch cut-off times or charges for manual cash/cheque-based instructions.
Benefits of Knowing the IFSC
- Ensures funds reach the correct branch and account without delay.
- Required for all electronic transfers (NEFT, RTGS, IMPS) and many forms of online payments.
- Reduces error risk when adding beneficiaries; a wrong IFSC can cause failure or returns.
- Helps vendors, employers, and institutions set up electronic credits directly to account.
- Useful when filling bank mandate forms, ECS instructions, or reconciliation documents (use branch code 100290 for internal references).
Contact
Branch Phone No: 9297954704
Branch Address: Rampur, EAST CHAMPARAN, 845415
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll Free No: 18001807777
FAQs
Q: Can I use PUNB0MBGB06 for IMPS, NEFT and RTGS?
A: Yes. The IFSC PUNB0MBGB06 is valid for IMPS, NEFT and RTGS transactions. Ensure the beneficiary account number and name match the branch records.
Q: What happens if I enter a wrong IFSC but the correct account number?
A: If the IFSC points to a different branch, the transfer may fail or be returned. Some systems route by account number plus IFSC; mismatch increases the chance of delay. Always double-check both fields.
Q: How do I verify this IFSC before sending a large amount?
A: Verify with the beneficiary, check the branch passbook, contact the branch phone (9297954704), or confirm via your bank’s beneficiary validation step which often checks IFSC against the RBI directory.
Q: Are old UBGB/DBGB IFSCs still valid?
A: No. Old IFSCs issued under UBGB or DBGB have been revoked after the merger. Use only PUNB0MBGB06 for transfers to this branch.
Q: How quickly will funds reflect in the beneficiary account?
A: IMPS is immediate (seconds). NEFT and RTGS are effectively available 24×7 online; in practice, NEFT can be near-instant or within minutes, and RTGS is for high-value near-real-time settlement. If a transfer is initiated through a bank branch or via cheque, processing could take longer. Keep the transaction reference to track delays.
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.