The Bihar Gramin Bank branch at Rampurhari, Muzaffarpur, Bihar (PIN 843103) serves retail and rural customers in and around Rampurhari. For electronic fund transfers — NEFT, RTGS and IMPS — the branch uses the IFSC code provided below. The correct IFSC ensures your payment reaches the intended branch account quickly and without reconciliation delays. Always verify the IFSC and account details before initiating transfers.
Branch Details
| Bank Name | Bihar Gramin Bank |
|---|---|
| Branch Name | Rampurhari |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100086 |
| Branch Address | Rampurhari, MUZAFFARPUR, 843103, 9297955399 |
| Contact Number | 9297955399 |
| City | MUZAFFARPUR |
| District | MUZAFFARPUR |
| Reason | MUZAFFARPUR |
| Pincode | 843103 |
| State | Bihar |
Merger Update
The Rampurhari branch now operates under the consolidated arrangement using the IFSC PUNB0MBGB06 issued by Punjab National Bank. Both Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) were merged into this system and their old UBGB/DBGB IFSC codes have been revoked. For any electronic transfer, only the new IFSC PUNB0MBGB06 is valid. Do not use old UBGB/DBGB IFSC codes — transfers using revoked codes will fail or be delayed.
What is IFSC Code?
The Indian Financial System Code (IFSC) is an 11-character alphanumeric code used to identify bank branches in electronic payment systems. Its structure is:
- First 4 characters — bank identifier (example: PUNB = Punjab National Bank).
- 5th character — always 0 (reserved).
- Last 6 characters — branch identifier (example: MBGB06 identifies the specific branch).
Example breakdown for this branch: PUNB0MBGB06 = PUNB (bank) + 0 (reserved) + MBGB06 (branch code).
How to Use IFSC Code
Follow these steps when sending or receiving funds via NEFT, RTGS or IMPS:
- Open your bank’s netbanking portal, mobile app, or visit a branch. Choose the transfer type: NEFT, RTGS or IMPS.
- Add or select the beneficiary. Enter the beneficiary’s name, account number, and the IFSC: PUNB0MBGB06. Enter the branch name (Rampurhari) for your records.
- Verify the details shown by the app. Many banks show the branch or city after you enter the IFSC; confirm it reads MUZAFFARPUR / Rampurhari.
- Authorize the transaction (OTP, token or netbanking confirmation). Keep the transaction reference for tracking.
- Note transfer specifics: IMPS is typically instant and available 24×7 (subject to bank limits). NEFT settles in batches and may take a few hours outside business windows. RTGS processes in real time and is used for larger or urgent payments — check your bank’s RTGS minimum/limits.
Benefits of Knowing the IFSC
- Accurate electronic transfers: Ensures NEFT, RTGS and IMPS reach the intended branch without manual routing.
- Faster reconciliation: Correct IFSC reduces failed transfers and the need for manual intervention.
- Cheque clearance: MICR (800811002) helps in cheque processing; IFSC is used for electronic modes.
- Safer payments: Verifying IFSC and branch details lowers the risk of sending funds to the wrong branch.
- Useful for payroll and collections: Businesses and institutions use IFSC to automate bulk transfers.
Contact
Branch phone no: 9297955399
Branch Address: Rampurhari, MUZAFFARPUR, 843103
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777
FAQs
Q: Can I use this IFSC for IMPS, NEFT and RTGS?
A: Yes. The IFSC PUNB0MBGB06 identifies the Rampurhari branch for NEFT, RTGS and IMPS transactions.
Q: What if I enter a wrong IFSC while adding a beneficiary?
A: If the IFSC does not match the account number, the bank’s system will usually reject the beneficiary addition or the transfer may fail. If a transfer succeeds but goes to the wrong account, you must contact your bank immediately to initiate a trace and recovery. Always double-check the IFSC and account number before confirming.
Q: Why is the bank code PUNB when the bank is Bihar Gramin Bank?
A: After consolidation and operational arrangements, branches of local/regional rural banks can operate using an IFSC issued under a sponsor bank (here Punjab National Bank). The prefix PUNB denotes the sponsor bank; the last six characters indicate the specific branch mapping.
Q: Are old UBGB or DBGB IFSC codes still valid?
A: No. Old UBGB/DBGB IFSC codes have been revoked following the consolidation. Use only the current IFSC PUNB0MBGB06 for all electronic transfers to this branch.
Q: What is the role of the MICR code 800811002?
A: The MICR (Magnetic Ink Character Recognition) code is used for cheque clearing through the clearinghouse. It’s not used for electronic transfers but is important for paper-based cheque processing and faster clearance.
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.