The Bihar Gramin Bank branch at Garhpura serves customers in Garhpura village and nearby areas of Begusarai district, Bihar (PIN 848204). For electronic fund transfers like NEFT, RTGS and IMPS you must provide the correct IFSC code. The IFSC ensures the payment routes to the right bank and branch in India. Using an outdated or incorrect IFSC can delay or block a transfer.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Garhpura |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 3810 |
| Branch Address | Garhpura, Begusarai, 848204, 8102918652 |
| Contact Number | 8102918652 |
| City | Begusarai |
| District | Begusarai |
| Reason | BEGUSARAI |
| Pincode | 848204 |
| State | Bihar |
Merger Update
Important: This branch now operates under the single IFSC code PUNB0MBGB06 issued by Punjab National Bank. The regional rural banks that served this area — including former Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) — have been merged into this arrangement. Old UBGB and DBGB IFSC codes have been revoked. For any NEFT, RTGS or IMPS transaction, use only the new IFSC PUNB0MBGB06. Transactions with deprecated IFSC codes will fail or be delayed.
What is an IFSC Code?
The IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to identify a specific bank branch in electronic payments.
- First 4 characters identify the bank. Example: PUNB = Punjab National Bank.
- 5th character is reserved and is always 0 (zero).
- Last 6 characters identify the branch. Example: MBGB06 points to the Garhpura branch under this coding.
How to Use the IFSC Code for NEFT, RTGS, IMPS
- Open your bank’s netbanking, mobile app or visit the branch for offline transfer.
- Choose the transfer type: NEFT, RTGS or IMPS. (RTGS is for high-value transfers; typically used for amounts starting at ₹2,00,000. NEFT has no minimum. IMPS is instant and available 24×7 subject to bank limits.)
- Add a beneficiary or payee. Enter beneficiary name exactly as in the account records.
- Enter the beneficiary account number and the IFSC code PUNB0MBGB06.
- Enter amount, purpose/remarks and confirm. Verify all details before authorising.
- Authenticate the transaction (MPIN, OTP or transaction password). Keep the transaction reference for tracking.
- If a transfer fails or is routed incorrectly, contact your bank immediately with the reference number to raise a recovery request.
Benefits of Knowing the IFSC
- Ensures electronic funds reach the correct branch and account.
- Speeds up NEFT/RTGS/IMPS transfers and reduces errors.
- Required for adding beneficiaries in netbanking and mobile banking apps.
- Helps confirm bank identity when receiving payments or salary credits.
- Simplifies reconciliation for businesses and accountants.
Contact
Branch Phone: 8102918652
Branch Address: Garhpura, Begusarai, 848204
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll-free: 18001807777
FAQs
Q: Is PUNB0MBGB06 the only valid code for this branch?
A: Yes. PUNB0MBGB06 is the valid IFSC for the Garhpura branch under the current bank structure. Old UBGB/DBGB IFSCs are revoked and should not be used.
Q: How can I double-check the IFSC before making a transfer?
A: Check the bank passbook or cheque leaf, call the branch at 8102918652, or confirm via the bank’s official customer service (toll-free 18001807777). Do not rely on unverified third-party lists.
Q: What happens if I enter the wrong IFSC?
A: If the IFSC points to a different branch, the funds may go to the wrong account or the transaction may fail. Recovery can take time and requires a formal request to the sending bank. Contact your bank immediately with the transaction reference.
Q: Can I use this IFSC for UPI payments?
A: UPI typically uses a VPA (Virtual Payment Address) and does not require IFSC. However, for bank account transfers through NEFT/RTGS/IMPS, use the IFSC.
Q: Are there timing or amount limits for NEFT, RTGS and IMPS?
A: NEFT operates in hourly batches or continuous settlement depending on the bank and has no minimum. RTGS is meant for high-value transfers and is commonly used from ₹2,00,000 upward. IMPS is instant and available 24×7 within bank-set limits. Check with your bank for exact cut-offs and charges.
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.