Bihar Gramin Bank, Ratanpur branch is located in Ratanpur village of Darbhanga district, Bihar (PIN 847307). The branch serves local residents and small businesses in and around Darbhanga. For electronic fund transfers — NEFT, RTGS and IMPS — the IFSC code identifies the exact bank and branch. Using the correct IFSC ensures your payment reaches the intended account quickly and avoids failed or delayed transfers.
Branch Details Table
| Bank Name | Bihar Gramin Bank |
| Branch Name | Ratanpur |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100426 |
| Branch Address | Ratanpur, DARBHANGA, 847307, 9297955151 |
| Contact Number | 9297955151 |
| City | DARBHANGA |
| District | DARBHANGA |
| Reason | DARBHANGA |
| Pincode | 847307 |
| State | Bihar |
Merger Update
Bihar Gramin Bank branches that were earlier under Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB) have been integrated into Punjab National Bank’s network. All such branches now use the single IFSC code PUNB0MBGB06 under Punjab National Bank for electronic transfers. Old UBGB or DBGB IFSC codes are revoked. For any transfers to this branch you must use PUNB0MBGB06; older codes will not work.
What is IFSC Code?
IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code used to route electronic payments to the correct bank branch. The structure is:
- First 4 characters — bank identifier (example: PUNB = Punjab National Bank).
- 5th character — always 0 (reserved).
- Last 6 characters — branch identifier (alphanumeric). In PUNB0MBGB06, the last six are MBGB06, the internal branch code used by the bank.
IFSC is different from MICR. MICR (like 800811002) is used for cheque clearing. IFSC is required for NEFT, RTGS and IMPS.
How to Use IFSC Code
Follow these practical steps when transferring funds to the Ratanpur branch:
- Open your bank app or internet banking portal.
- Choose the transfer type: NEFT, RTGS or IMPS. (IMPS is instant and available 24×7; NEFT and RTGS are also available round-the-clock at most banks now, but check your bank’s timings.)
- Select “Add Beneficiary” or “New Payee.”
- Enter beneficiary name and account number exactly as held at the bank.
- Enter IFSC: PUNB0MBGB06. Also confirm bank name: Punjab National Bank and branch: Ratanpur / Darbhanga.
- Save the beneficiary. You may need OTP or bank approval to activate the payee.
- Initiate the transfer. Enter amount, purpose (if required), and authorize with OTP or transaction PIN.
- Keep the transaction reference number. If funds do not appear, contact your bank with that reference and beneficiary details.
Benefits of Knowing the IFSC
- Ensures accurate routing of NEFT, RTGS and IMPS payments to the exact branch and account.
- Prevents transfer failures and delays caused by wrong branch identification.
- Speeds up beneficiary setup in online banking—enter one code and the app validates bank and branch.
- Helpful for inward remittances and salary credits where branch-level routing matters.
- Useful when reconciling payments: IFSC + account number pinpoints the receiving branch.
Contact
Branch Phone: 9297955151
Branch Address: Ratanpur, DARBHANGA, 847307
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free: 18001807777
FAQs
Q: Can I use any old UBGB or DBGB IFSC to send money to this Ratanpur branch?
A: No. Old UBGB/DBGB IFSC codes have been revoked after the merger. Use only PUNB0MBGB06 for transfers to this branch.
Q: What happens if I enter the wrong IFSC?
A: If the wrong IFSC points to a valid different branch, the funds may go to that branch and reversal will require both banks to coordinate. If the IFSC is invalid, the transfer will usually fail and the amount will be returned. Always verify IFSC + account number before sending.
Q: Is IFSC case-sensitive?
A: No. IFSC is not case-sensitive. Entering lowercase or uppercase letters makes no difference, though standard practice is uppercase.
Q: Do I need IFSC for UPI transfers?
A: No. UPI uses VPA / UPI ID and does not require IFSC. But for traditional NEFT/RTGS/IMPS through bank portals, IFSC is mandatory.
Q: How quickly do transfers to this IFSC complete?
A: IMPS is immediate (real-time). NEFT and RTGS are processed quickly; many banks now provide 24×7 settlement. Actual credit time can depend on sending bank, so keep the transaction reference and contact your bank if credit is delayed.
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.