The Bihar Gramin Bank branch at Gidwas is located in Gidwas village, Araria district, Bihar (PIN 854312). This IFSC code page helps you confirm the correct code before sending or receiving funds. An IFSC code is required for electronic fund transfers — NEFT, RTGS and IMPS — so using the right code avoids failed transfers, delays and returns.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Gidwas |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100766 |
| Branch Address | Gidwas, ARARIA, 854312, 9297954368 |
| Contact Number | 9297954368 |
| City | ARARIA |
| District | ARARIA |
| Reason | ARARIA |
| Pincode | 854312 |
| State | Bihar |
Merger Update
Important: The regional rural banks in Bihar — Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) — were reorganized under Punjab National Bank. Both banks now operate using the single IFSC code PUNB0MBGB06 under Punjab National Bank’s umbrella. Old UBGB and DBGB IFSC codes have been revoked. For all electronic transfers to this branch, use only the new IFSC PUNB0MBGB06. Transactions attempted with the old IFSC codes will fail or be returned.
What is IFSC Code?
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to identify bank branches in electronic fund transfers.
- First 4 characters = bank identifier (letters). Example: PUNB = Punjab National Bank.
- 5th character = always 0 (reserved for future use).
- Last 6 characters = branch code (can be numbers or letters). Example: MBGB06 identifies the Gidwas/merged-branch code.
The IFSC tells the payment system which bank and which branch should receive funds. MICR codes (like 800811002) are different — they help clear cheques physically and are not used for online transfers.
How to Use IFSC Code
Follow these steps when transferring funds via NEFT, RTGS or IMPS to Bihar Gramin Bank, Gidwas:
- Open your bank’s app, internet banking portal, or visit the branch counter.
- Select transfer type: IMPS (instant, 24×7), NEFT (retail, now available 24×7), or RTGS (for larger amounts; typically for transactions above ₹2,00,000, subject to your bank’s floor limits).
- Add a new beneficiary. Enter beneficiary name exactly as on the account, account number, and the IFSC: PUNB0MBGB06.
- Double-check the IFSC and account number. A single wrong digit can misroute or reject the payment.
- Authorize the transfer (OTP, bank token or transaction password as required).
- Note the transaction reference/UTR for tracking. If a transfer fails, contact the sending bank with the UTR.
Timing notes: IMPS is immediate and available 24×7. NEFT and RTGS are generally available 24×7 in India, but processing and settlement times depend on bank cutoffs and the receiving bank’s processing.
Benefits of Knowing the IFSC
- Ensures accurate routing of funds to the correct branch and account.
- Reduces failed transfers and return charges.
- Speeds up reconciliation for businesses and individuals.
- Required when adding beneficiaries for NEFT, RTGS and IMPS transfers.
- Helps customer support locate transactions quickly using IFSC + branch code.
Contact
Branch Phone: 9297954368
Branch Address: Gidwas, ARARIA, 854312
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll-free: 18001807777
FAQs
Q: Is PUNB0MBGB06 the only valid IFSC for Bihar Gramin Bank Gidwas?
A: Yes. After the regional consolidations, use only PUNB0MBGB06 for electronic transfers to this branch. Old regional IFSCs have been revoked.
Q: Can I use MICR code instead of IFSC for online transfers?
A: No. MICR (800811002) is used for cheque clearing. For NEFT/RTGS/IMPS you must use the IFSC PUNB0MBGB06.
Q: What happens if I enter a wrong IFSC or account number?
A: If the IFSC is wrong but still valid for another branch, the money may be routed to that branch and could be delayed or require recovery steps. If the account number doesn’t match the beneficiary name, the receiving bank may reject the transfer. Contact your bank immediately with the transaction UTR to start recovery.
Q: How long do transfers to this branch take?
A: IMPS is instant. NEFT is typically processed quickly and is available round the clock; settlement is usually within minutes to a few hours depending on bank processing. RTGS is for high-value transfers and is processed immediately but check with your bank for cutoffs and confirmation times.
Q: How can I confirm this IFSC before making a large payment?
A: Confirm from the branch contact (9297954368) or check a bank-provided document such as a passbook or cheque leaf for the IFSC. Always double-check the IFSC PUNB0MBGB06 and the account number before proceeding.
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.