Bihar Gramin Bank’s Shivdhara Chowk branch is located in Darbhanga, Bihar (PIN 846004). This branch serves local retail and agricultural customers and handles inward and outward electronic fund transfers. The IFSC code is essential for routing electronic payments (NEFT, RTGS, IMPS). Banks and payment systems use the IFSC to identify the exact bank and branch so funds reach the correct account quickly and securely.
Branch Details Table
| Bank Name | Bihar Gramin Bank |
| Branch Name | Shivdhara Chowk |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100465 |
| Branch Address | Shivdhara Chowk, DARBHANGA, 846004, 9297955166 |
| Contact Number | 9297955166 |
| City | DARBHANGA |
| District | DARBHANGA |
| Reason | DARBHANGA |
| Pincode | 846004 |
| State | Bihar |
Merger Update
Important: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged. The merged entity now operates under a single IFSC code PUNB0MBGB06 routed through Punjab National Bank (PNB). Old UBGB and DBGB IFSC codes have been revoked. Only the new IFSC code PUNB0MBGB06 is valid for NEFT, RTGS and IMPS transactions to this branch. Always confirm the IFSC before initiating a transfer.
What is IFSC Code?
The Indian Financial System Code (IFSC) is an 11-character alphanumeric code used to identify bank branches in electronic transfers. The structure is:
- First 4 characters: Bank code (alphabetic). Example: PUNB = Punjab National Bank.
- 5th character: Always the digit 0 (reserved for future use).
- Last 6 characters: Branch code (alphanumeric). Example: MBGB06 represents the specific branch identifier in PUNB0MBGB06.
Together, this 11-character code directs payments to the exact branch in the banking network.
How to Use IFSC Code
- Open your bank’s netbanking portal or mobile app, or visit a branch for offline transfers.
- Choose the transfer type: NEFT, RTGS or IMPS. (IMPS is real-time and available 24×7. RTGS is for large-value immediate settlement. NEFT is for standard electronic transfers.)
- Add a beneficiary by entering: beneficiary name, account number, and the IFSC code PUNB0MBGB06 for Shivdhara Chowk.
- Verify the beneficiary details shown by the bank. A confirmed bank and branch name should appear when the IFSC is valid.
- Enter the amount, select transfer mode, and confirm. Authenticate with OTP or your bank’s security method.
- Keep the transaction reference number. Check the beneficiary account after settlement to confirm credit.
Benefits of Knowing the IFSC
- Accurate routing: Ensures funds go to the exact branch and account.
- Faster settlement: Enables correct processing by NEFT, RTGS and IMPS systems.
- Error reduction: Using the right IFSC reduces failed or returned transfers.
- Convenience: Required for adding beneficiaries in netbanking and apps.
- Reconciliation: Helps banks and businesses reconcile inward remittances by branch.
Contact
Branch Phone No: 9297955166
Branch Address: Shivdhara Chowk, DARBHANGA, 846004
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll Free No: 18001807777
FAQs
Q: What is the IFSC code for Bihar Gramin Bank Shivdhara Chowk?
A: The IFSC code is PUNB0MBGB06.
Q: Can I still use my old UBGB or DBGB IFSC code for transfers?
A: No. Old UBGB and DBGB IFSC codes have been revoked after the merger. Use only PUNB0MBGB06 for transactions to this branch.
Q: What happens if I enter the wrong IFSC?
A: If the IFSC does not match the beneficiary bank/branch, the payment may be rejected or returned, causing delays. In some cases, if the account number and IFSC accidentally point to an existing account at another branch, funds could be credited to the wrong account. Always verify both IFSC and account number before sending money.
Q: Is IFSC case-sensitive?
A: No. IFSC is not case-sensitive. You can enter uppercase or lowercase letters, but banks typically display them in uppercase.
Q: Which transfer method should I use for urgent credit?
A: For immediate credit, use IMPS (available 24×7) or RTGS for high-value real-time settlement. NEFT is suitable for routine transfers; processing may follow scheduled settlements depending on your bank’s processing times.
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.