Bihar Gramin Bank Tarauni IFSC Code

The Bihar Gramin Bank Tarauni branch is located in Tarauni, Darbhanga district, Bihar (PIN 847233). For any electronic fund transfer—NEFT, RTGS or IMPS—the branch IFSC is the key identifier that tells the remitter’s bank exactly which bank and branch will receive the funds. Using the correct IFSC ensures fast, accurate credit to the beneficiary account and prevents failed or misrouted transfers.

Branch Details

Merger Update

Important: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged under Punjab National Bank for backend processing. The single, valid IFSC for affected branches is PUNB0MBGB06. Old UBGB and DBGB IFSC codes have been revoked and should not be used for new transactions. If a beneficiary record still shows a legacy UBGB/DBGB IFSC, confirm the current IFSC with the branch before sending funds.

What is IFSC Code?

The Indian Financial System Code (IFSC) is an 11-character alphanumeric code used to identify bank branches in electronic payments. The structure is:

• First 4 characters — bank identifier (alphabetic). Example: PUNB = Punjab National Bank.
• 5th character — reserved and always 0.
• Last 6 characters — branch identifier (alphanumeric). Example: in PUNB0MBGB06, the last six characters are MBGB06, which point to the specific branch.

Separately, the branch code (numeric) used by the branch here is 100467. MICR (Magnetic Ink Character Recognition) 800811002 is used for cheque clearing and is different from IFSC.

How to Use IFSC Code

1. Get the beneficiary details: name, bank account number, IFSC (PUNB0MBGB06) and branch (Tarauni, Darbhanga).
2. Open your bank app, internet banking or visit the branch. Choose the transfer type: NEFT, RTGS or IMPS.
3. Enter beneficiary name and account number exactly as provided. Enter the IFSC PUNB0MBGB06 in the IFSC field.
4. Enter amount and purpose, then verify all entries. Small errors in account number or IFSC can return funds or misroute them.
5. Authenticate the transaction (OTP / net banking credentials). Save or note the transaction reference for tracking.
6. Check transfer status in your banking app. For IMPS transfers, credit is usually immediate. NEFT/RTGS settlement depends on the bank’s processing but online transfers are completed frequently throughout the day.

Practical tips: save the beneficiary as a favorite after first successful transfer; do a micro-transfer (small amount) if you are unsure; confirm IFSC from the branch if the beneficiary reports non-credit.

Benefits of Knowing the IFSC

• Ensures funds reach the exact branch and account without manual intervention.
• Required field for NEFT, RTGS and IMPS transfers—without it, many systems will block the transaction.
• Speeds settlement and reduces the chance of returns or delays.
• Helps verify beneficiary authenticity when combined with branch address and MICR.
• Useful for standing instructions, payroll credits and receiving electronic payments.

Contact

Branch Phone: 9297955180

Branch Address: Tarauni, DARBHANGA, 847233

Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR

Toll Free Number: 18001807777

FAQs

• Q: Can I use the MICR code instead of IFSC for online transfers?

  A: No. MICR is used for cheque clearing. Online fund transfers (NEFT/RTGS/IMPS) require IFSC to route electronic payments to the correct branch.

• Q: What happens if I enter the wrong IFSC?

  A: If the account number and IFSC do not match, the transaction may be returned to the sender or fail during processing. Some systems validate the pair and block transfers to mismatched IFSC-account combinations. Always verify before sending.

• Q: Are old UBGB or DBGB IFSC codes still valid?

  A: No. Old UBGB and DBGB IFSC codes have been revoked after the merger and replaced by the single IFSC PUNB0MBGB06 under Punjab National Bank. Use only the new IFSC for transactions.

• Q: How quickly do funds arrive using NEFT, RTGS or IMPS?

  A: IMPS is instant and available 24×7. RTGS is intended for large-value transfers with real-time settlement; NEFT is batch-settled but most online NEFT transfers are processed frequently during the day. Check with your bank for exact cut-offs and any charges.

• Q: How can I verify the IFSC before making a payment?

  A: Confirm IFSC with the beneficiary or call the branch phone (9297955180). You can also verify the branch address and MICR to be certain. When in doubt, ask the beneficiary’s bank to confirm the valid IFSC.

Kriti Kumari

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.