Bihar Gramin Bank Uchaitha IFSC Code

Bihar Gramin Bank Uchaitha IFSC Code

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Uchaitha is a village in the Madhubani district of Bihar (PIN 847223). This article gives the IFSC and branch details you need for electronic fund transfers. The IFSC code is essential when sending money through NEFT, RTGS or IMPS. It tells the payment system which bank and which branch should receive the funds, so entering it correctly avoids delays or failed transfers.

Branch Details

Bank Name Bihar Gramin Bank
Branch Name Uchaitha
IFSC Code PUNB0MBGB06
MICR Code 800811002
Branch Code 100353
Branch Address Uchaitha, MADHUBANI, 847223, 9297954898
Contact Number 9297954898
City MADHUBANI
District MADHUBANI
Reason MADHUBANI
Pincode 847223
State Bihar

Merger Update

Important: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged into the Punjab National Bank network for retail payments. The merged branches now use the single IFSC code PUNB0MBGB06 under Punjab National Bank for NEFT/RTGS/IMPS. Old UBGB IFSC codes have been revoked. If you previously used an UBGB IFSC, do not use it now — use PUNB0MBGB06 for all electronic transfers to this branch.

What is IFSC Code?

The IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to route electronic payments to the correct bank branch.

  • First 4 characters — bank identifier (example: PUNB = Punjab National Bank).
  • 5th character — reserved and usually 0.
  • Last 6 characters — branch identifier (alphanumeric), unique to the branch (example: MBGB06).

Example breakdown for this branch: PUNB (bank) + 0 (reserved) + MBGB06 (branch) = PUNB0MBGB06.

How to Use IFSC Code

  • Open your bank’s netbanking or mobile app and log in securely.
  • Choose the fund transfer option and select transfer type: NEFT, RTGS or IMPS.
  • Add the beneficiary: enter the beneficiary name, account number, and the IFSC PUNB0MBGB06. Double-check spelling and digits.
  • Verify MICR or branch name if your bank asks for it (MICR: 800811002; Branch code: 100353).
  • Enter the amount, narration (optional), and schedule the transfer.
  • Confirm with the OTP or security token your bank provides.
  • NEFT and IMPS are usually available 24×7. RTGS is used for larger amounts; bank-specific timings and limits may apply, so confirm with the bank if you plan a high-value transfer.
  • Keep the transaction reference for tracking. If a transfer fails, contact the sending bank with that reference.

Benefits of Knowing the IFSC

  • Ensures accurate routing of electronic payments to the correct branch.
  • Reduces failed or misrouted transfers and avoids delay in fund credit.
  • Required to add beneficiaries for NEFT, RTGS and IMPS online transfers.
  • Helps verify branch identity when reconciling payments or receiving funds.
  • Useful for automated payments like salaries, vendor payments and utility collections.

Contact Details

Branch Phone No: 9297954898

Branch Address: Uchaitha, MADHUBANI, 847223

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

Toll Free No: 18001807777

FAQs

  • Q: Can I use the old UBGB IFSC for transfers to Uchaitha?

    A: No. Old UBGB IFSC codes have been revoked after the merger. Use the new IFSC PUNB0MBGB06 for all electronic transfers to this branch.

  • Q: What happens if I enter a wrong IFSC but correct account number?

    A: Most payment systems match IFSC and account number. If the IFSC points to a different branch than the account number, the transfer may be rejected or returned. Always confirm both IFSC and account number before sending funds.

  • Q: Is IFSC same as MICR?

    A: No. IFSC is used for electronic transfers. MICR (Magnetic Ink Character Recognition) is a 9-digit code used for processing cheques and clearing physical instruments. For this branch, MICR is 800811002.

  • Q: Which transfer method should I use: NEFT, RTGS or IMPS?

    A: Use IMPS for immediate small-value transfers any time. NEFT is suitable for normal-value transfers and is available round-the-clock at many banks. RTGS is intended for large-value or urgent transfers; check with your bank for any minimum or bank-set thresholds.

  • Q: How can I verify the IFSC before sending a large sum?

    A: Verify with the beneficiary (ask for a stamped account details slip), call the branch at 9297954898, or confirm with your sending bank’s beneficiary validation feature. For large transfers, a phone confirmation with the beneficiary reduces risk.

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