This species is typically found in flocks of up to 60 individuals, although it roosts in groups of 5 or 6. The white-throated munia usually feeds on seeds, which it often takes directly from sedges and grasses, as well as ants and other small insects on the ground (3) (2) (5). It may also feed on nectar from coral trees (Erythrina) (2).
Like most other birds in the genus Lonchura, the rainy season induces breeding behaviour in the white-throated munia, and it can produce up to four broods in a single season (2).
When displaying to a female, the male white-throated munia perches on a branch in an upright position and sings. The male twists its body to face the female, repeatedly bending its legs and bobbing its head, while waving around some nesting material in its beak. After dropping the nesting material, the male moves slowly towards the female and attempts copulation (2).
The female white-throated munia does not usually display, although it has been observed offering a grass stem to a male, performing small head jerks, and bending its legs in mini displays (2).
The male white-throated munia collects nesting material, primarily grasses, which the female uses to construct an irregular, oval nest (2). The nest is often lined with feathers (8), although other materials are also used, such as newspaper or cotton wool taken from nearby fields (3). White-throated munia nests have been found in a variety of locations, such as in low thorny bushes, up to three metres from the ground in trees, and even among the lower sticks of eagle nests. The white-throated munia is also known to use old weaver (Ploceidae family) nests (2).
Each clutch contains three to eight white, oval eggs, and both the male and female white-throated munia are responsible for incubation. The black, well-developed chicks are brooded by both of the adults, and fed seeds and small insects. The chicks fledge about 19 days after hatching, and around 7 days later the young can forage independently (2).