Rarhi is a locality in Darbhanga district, Bihar (PIN 847302). The local banking facility listed here is the Bihar Gramin Bank branch at Rarhi. For any electronic fund transfer — NEFT, RTGS or IMPS — you must use the correct IFSC code. The IFSC uniquely identifies the bank and branch, routing your payment to the right account and avoiding delays or returns.
Branch Details Table
| Bank Name | Bihar Gramin Bank |
| Branch Name | Rarhi |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100436 |
| Branch Address | Rarhi, DARBHANGA, 847302, 9297955148 |
| Contact Number | 9297955148 |
| City | DARBHANGA |
| District | DARBHANGA |
| Reason | DARBHANGA |
| Pincode | 847302 |
| State | Bihar |
Merger Update
Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged into a unified entity under the sponsor bank Punjab National Bank (PNB). As part of the migration, old UBGB and DBGB IFSC codes have been revoked. All electronic transactions for the Rarhi branch must use the single, new IFSC: PUNB0MBGB06. Using any old UBGB/DBGB IFSC will cause failures or returns. Confirm the IFSC before initiating fund transfers.
What is IFSC Code?
IFSC stands for Indian Financial System Code. It is an 11‑character alphanumeric code used to route electronic payments in India. The structure is:
- First 4 characters: identify the bank. Example: PUNB = Punjab National Bank.
- 5th character: reserved and is always 0 (zero).
- Last 6 characters: identify the specific branch. Example: in PUNB0MBGB06, the last six characters are MBGB06 which map to the Rarhi branch under the sponsor bank.
How to Use IFSC Code
Use the IFSC when you set up a beneficiary for NEFT, RTGS or IMPS in internet banking, mobile banking, or at a bank branch. Steps:
- Open your bank’s payment portal or app and choose “Add beneficiary” or “New payee”.
- Enter beneficiary name, account number, and the IFSC: PUNB0MBGB06.
- Confirm the branch name and city (Rarhi, Darbhanga) shown by the bank to ensure the IFSC matches.
- Save beneficiary and complete any required verification (OTP, in‑bank approval).
- Initiate transfer selecting NEFT, RTGS or IMPS. Enter the amount and remarks. Confirm and authenticate the transaction.
Practical notes:
- IMPS is real‑time and available 24×7. NEFT and RTGS are also available round the clock, but check your bank for any maintenance windows.
- For high‑value urgent transfers, use RTGS (typically for transfers above the bank’s RTGS minimum). IMPS is limited by bank caps.
- Do not substitute IFSC with branch name or vice versa. The IFSC must match the account’s branch to avoid returns.
Benefits
- Ensures accurate routing of electronic funds to the correct bank branch and account.
- Reduces risk of failed or delayed transfers caused by incorrect beneficiary details.
- Required for adding beneficiaries for NEFT, RTGS and IMPS — a must for online bill payments and salary credits.
- Helps banks and clearing houses automate settlement and reconciliation.
- Useful when receiving inward remittances: giving the correct IFSC helps the sender avoid rejections.
Contact
Branch phone no: 9297955148
Branch Address: Rarhi, DARBHANGA, 847302
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777
FAQs
Q: Is PUNB0MBGB06 the only IFSC I should use for this branch?
Yes. After the merger under Punjab National Bank, PUNB0MBGB06 is the valid IFSC for the Rarhi branch. Old UBGB/DBGB IFSCs have been revoked.
Q: What is the MICR code 800811002 used for?
MICR (Magnetic Ink Character Recognition) code is used primarily for cheque clearing through the bank clearing system. It does not replace IFSC for electronic transfers.
Q: What happens if I enter the wrong IFSC?
If the IFSC does not match the beneficiary account’s branch, the payment may be rejected or returned to the sender. In some cases, the funds may be routed incorrectly and recovering them will take time and bank intervention.
Q: Can I use IMPS without IFSC?
Some IMPS methods (like mobile number + MMID or Aadhaar mapper) do not require IFSC, but when you transfer using account number route (account number + IFSC), you must provide the correct IFSC. For bank‑to‑bank account transfers, IFSC is standard.
Q: How long does a transfer to this branch take?
IMPS is instant (seconds). NEFT and RTGS generally complete within minutes to a few hours depending on the network and bank processing. Both systems operate round the clock, but confirm with your bank for any cutoffs or maintenance.
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.