The Bihar Gramin Bank branch at Ushari serves customers in Arwal district of Bihar (PIN 804401). This branch handles local deposits, withdrawals and electronic fund transfers for residents and businesses in the area. For any online transfer—NEFT, RTGS or IMPS—you must provide the correct IFSC code. The IFSC uniquely identifies the bank and branch. It routes the payment to the right destination and prevents delays or misdirected funds.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | USHARI |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 7131 |
| Branch Address | USHARI, Arwal, 804401, 9771464131 |
| Contact Number | 9771464131 |
| City | Arwal |
| District | Arwal |
| Reason | AURANGABAD |
| Pincode | 804401 |
| State | Bihar |
Merger Update
If this branch previously belonged to Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB), note the following: both regional gramin banks have been consolidated and now operate under a single IFSC entry with Punjab National Bank. The valid IFSC to use for this branch is PUNB0MBGB06. Old UBGB or DBGB IFSC codes have been revoked. Use only the new IFSC when initiating NEFT, RTGS or IMPS transfers to avoid transaction failures or routing errors.
What is an IFSC Code?
The IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to identify bank branches in electronic payment systems. Its structure is fixed:
- First 4 characters: bank identifier (example: PUNB for Punjab National Bank).
- 5th character: always 0 (reserved for future use).
- Last 6 characters: branch identifier (alphanumeric, example: MBGB06 in PUNB0MBGB06).
Example broken down: PUNB | 0 | MBGB06. IFSC is case-insensitive and must match the beneficiary branch exactly for online transfers.
How to Use IFSC Code for NEFT / RTGS / IMPS
- Verify the IFSC: check the beneficiary’s passbook, cheque leaf, the branch, or written confirmation from the bank. For this branch use PUNB0MBGB06.
- Log in to your bank’s netbanking or mobile app, or visit the branch for offline transfer.
- Select transfer type:
- IMPS — instant, 24×7, for small/medium amounts.
- NEFT — electronic funds transfer in batches (now available 24×7), suitable for routine transfers.
- RTGS — for high-value transfers and real-time settlement.
- Enter beneficiary details: full name, account number, and IFSC (PUNB0MBGB06 for Ushari branch).
- Enter amount and any required remarks. Confirm transfer limits and charges shown by your bank.
- Authenticate the transaction (OTP, token or netbanking password).
- Save beneficiary only after you confirm details. Many banks allow holding the beneficiary for a mandatory cooling period before the first transfer.
- Track the transaction reference number until the beneficiary confirms receipt.
Benefits of Knowing the IFSC
- Ensures funds reach the correct branch and account without delay.
- Prevents failed or returned transactions due to misrouting.
- Needed for online forms, salary credits, vendor payments and government receipts.
- Useful for reconciliation in accounting and ERP systems.
- Required when setting up beneficiaries in mobile banking and third-party payment apps.
Contact
Branch Phone: 9771464131
Branch Address: USHARI, Arwal, 804401
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free: 18001807777
FAQs
Q: How can I confirm the correct IFSC for Bihar Gramin Bank, Ushari?
A: Check the IFSC printed on your cheque leaf or passbook. Confirm with the branch (phone 9771464131) or use bank-provided documents. The valid code for this branch is PUNB0MBGB06.
Q: What happens if I use an incorrect IFSC?
A: If the IFSC does not match any branch, the transfer will likely fail and the amount will be returned. If the IFSC points to a different branch but the account number exists there, funds may be credited to the wrong account. Immediately contact your bank with the transaction reference for a reversal.
Q: Are old UBGB or DBGB IFSC codes still valid?
A: No. Old UBGB and DBGB IFSCs have been revoked after the merger. Use only the consolidated IFSC PUNB0MBGB06 for transfers to this branch.
Q: What is the difference between IFSC and MICR?
A: IFSC routes electronic payments and has 11 alphanumeric characters. MICR (Magnetic Ink Character Recognition) is a 9-digit numeric code used mainly for cheque clearing. For online transfers you must use IFSC; MICR is used for cheque processing and clearing speed identification.
Q: I initiated a transfer but funds are not credited. What should I do?
A: Keep the transaction reference number. Contact your bank’s customer care or the beneficiary branch (9771464131). Provide date, amount, beneficiary details and reference number. Banks typically investigate and resolve within their processing timelines. If needed, escalate to the bank’s nodal officer or file a formal grievance.
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.