IFSC Code of Bank of Maharashtra, Purnia Branch, Bihar

This page lists the IFSC code, branch address, contact number and fund-transfer information for Bank of Maharashtra, PURNIA branch in PURNIA. The 11-digit IFSC MAHB0002045 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Bank of Maharashtra at the PURNIA location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for Bank of Maharashtra – PURNIA is MAHB0002045. The first four letters MAHB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 002045 map to this branch in PURNIA, BIHAR.

About the bank

Bank of Maharashtra serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Purnia branch in Purnia, Bihar is part of this network and uses the IFSC code MAHB0002045 for all electronic settlement.

Purnia branch overview

Located at TELEPHONE EXCHANGE, M W CAMPUSPURNIA LINE BAZAR, the Purnia branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC MAHB0002045 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

Why every Bank of Maharashtra branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including PURNIA of Bank of Maharashtra — its own 11-character IFSC. The code MAHB0002045 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC MAHB0002045 the same way you would treat your account number — verify it once and save it carefully for future use.

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by Bank of Maharashtra carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC MAHB0002045 and the account number together uniquely identify the Purnia branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC MAHB0002045

Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC MAHB0002045 across all three.

How to use IFSC MAHB0002045 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bank of Maharashtra's PURNIA branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC MAHB0002045.
4. Confirm the bank name auto-populates as Bank of Maharashtra and the branch as PURNIA.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC MAHB0002045

RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Bank of Maharashtra – PURNIA, ensure your bank's portal accepts IFSC MAHB0002045 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Bank of Maharashtra PURNIA (IFSC MAHB0002045)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC MAHB0002045 in your mobile or internet banking app, and the money is credited to the PURNIA branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC MAHB0002045 for Bank of Maharashtra – PURNIA, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.

For most retail customers crediting the Purnia branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at Bank of Maharashtra's PURNIA branch, the IFSC MAHB0002045 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Products and account variants supported

Every account opened at the Purnia branch is mapped to IFSC MAHB0002045 on the RBI payments network. The branch generally supports the full retail product catalogue of Bank of Maharashtra, including:

• Resident savings accounts and salary accounts
• Current accounts for businesses and professionals
• Fixed deposits, recurring deposits and tax-saver deposits
• Demand drafts, banker's cheques and pay orders
• Retail loans — personal, vehicle, education, gold and home
• Credit cards and overdraft facilities (subject to eligibility)
• Third-party investment products such as mutual funds and insurance (through tie-ups)

Whichever product you choose, the IFSC for incoming credits remains MAHB0002045.

Products and services

Customers walking into the Purnia branch can access most of Bank of Maharashtra's standard product suite, including:

• Account opening – savings, current, NRI, salary
• Term deposits and recurring deposits
• Retail and small-business loans
• Insurance and mutual-fund tie-ups
• Locker, safe deposit and ATM card services
• Online and mobile banking activation
• Electronic transfers via IFSC MAHB0002045

Online banking and IFSC MAHB0002045

Bank of Maharashtra customers can register for net banking and the bank's official mobile app once their account at the PURNIA branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC MAHB0002045 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.

How to reach the Purnia branch

The branch is located at TELEPHONE EXCHANGE, M W CAMPUSPURNIA LINE BAZAR, which puts it inside Purnia, the broader Purnia district, and the state of Bihar. To plan your visit:

1. Open Google Maps on your phone and search for “Bank of Maharashtra Purnia branch” — the verified location pin for IFSC MAHB0002045 should appear at the top of the results.
2. Confirm the branch is open by calling 91-9155542045 before stepping out, especially around public holidays.
3. Carry photo ID and any account-related documents you may need for the transaction you plan to do.

Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC MAHB0002045 and your account number.

Things to verify before sending money

Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to Bank of Maharashtra – PURNIA:

• The IFSC is exactly MAHB0002045 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Bank of Maharashtra as the bank name and PURNIA as the branch.
• The amount and the purpose of payment are correct.
• You have a valid OTP-verifying mobile number on hand.

A 30-second review here saves hours of reconciliation later.

Branch banking hours and holidays

Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Purnia branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC MAHB0002045, however, work 24x7.

Verifying IFSC MAHB0002045 from official sources

The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm MAHB0002045 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 91-9155542045.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Final notes

To recap: MAHB0002045 is the IFSC code of Bank of Maharashtra, PURNIA branch, in PURNIA, BIHAR. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.