The Bihar Gramin Bank, GANGAULI branch is located in Gangauli village, Buxar district, Bihar — PIN 802131. This branch serves local residents and businesses for deposits, withdrawals and electronic fund transfers. For any online or app-based money transfer — NEFT, RTGS or IMPS — the correct IFSC code is essential. The IFSC uniquely identifies the bank and branch so funds route to the right account. A wrong or revoked IFSC can delay transfers or cause failed transactions.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | GANGAULI |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 7469 |
| Branch Address | GANGAULI, Buxar, 802131, 7781004469 |
| Contact Number | 7781004469 |
| City | Buxar |
| District | Buxar |
| Reason | BHABHUA |
| Pincode | 802131 |
| State | Bihar |
Merger Update
Important: This branch now uses the IFSC code PUNB0MBGB06 under Punjab National Bank (PNB). The regional gramin banks — Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) — were merged and their operations consolidated. Old UBGB and DBGB IFSC codes have been revoked. For any NEFT/RTGS/IMPS transfers you must use the new PUNB0MBGB06 IFSC. Using the old codes will lead to failed or returned transactions.
What is IFSC Code?
The Indian Financial System Code (IFSC) is an 11-character alphanumeric code that uniquely identifies a bank branch for electronic payments. Its structure is fixed:
- First 4 characters = Bank identifier (letters). Example: PUNB = Punjab National Bank.
- 5th character = 0 (reserved, usually zero).
- Last 6 characters = Branch identifier (can be numbers or letters). Example: MBGB06 = specific branch code.
IFSC is case-insensitive in most systems but is generally shown in uppercase. It is different from the MICR code, which is a 9-digit number used mainly for cheque clearing.
How to Use IFSC Code
- Open your bank’s online banking portal or mobile banking app.
- Choose the transfer type: NEFT, RTGS or IMPS. (IMPS is instant and available 24×7; RTGS is for high-value transfers; NEFT settles in batches.)
- Add a new beneficiary by entering the beneficiary’s name, account number and the IFSC code PUNB0MBGB06. Double-check the account number and IFSC before saving.
- After adding, verify the beneficiary using the OTP or in-app authentication your bank requires.
- Initiate the transfer. Confirm transfer amount, transfer type and purpose. Note any charges shown by your bank before authorizing.
- Keep the transaction reference number until the beneficiary confirms receipt. If a transfer fails, contact your branch with the reference number and time of transaction.
Practical tips: verify the IFSC from a cheque leaf, bank passbook, visit the branch, or check the bank’s communication. Always confirm that the IFSC you have is the new PNB-based code if the branch was part of UBGB/DBGB.
Benefits of Knowing IFSC
- Ensures accurate routing of electronic payments to the correct branch and account.
- Reduces failed transactions and return fees caused by incorrect details.
- Speeds up transfers — critical for urgent payments like vendor settlements or loan repayments.
- Helps customer service identify and trace transactions quickly using the IFSC and reference number.
- Keeps you informed when branch merges or code changes occur so you update saved beneficiaries promptly.
Contact
Branch Phone No: 7781004469
Branch Address: GANGAULI, Buxar, 802131
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll Free No: 18001807777
FAQs
Q: Can I use PUNB0MBGB06 for IMPS, NEFT and RTGS?
A: Yes. The IFSC PUNB0MBGB06 is the valid code for IMPS, NEFT and RTGS transfers to the GANGAULI branch. Ensure the beneficiary account number is correct.
Q: What happens if I enter a wrong IFSC?
A: If the IFSC is invalid or revoked, the transfer will usually fail and the amount will be returned to the remitter’s account. If the wrong IFSC points to another valid branch, funds may be credited incorrectly and require a trace and reversal via the banks involved.
Q: How is IFSC different from MICR?
A: IFSC is an 11-character alphanumeric code for electronic fund transfers. MICR is a 9-digit numeric code used for processing physical cheques through the clearing system. Use IFSC for online transfers; MICR is used primarily for cheque clearance.
Q: The branch used to show a different IFSC under UBGB/DBGB. What should I do?
A: Update any saved beneficiaries to the new IFSC PUNB0MBGB06 immediately. Old UBGB/DBGB IFSC codes have been revoked after the merger and will not work for transactions.
Q: How can I verify the IFSC before making a transfer?
A: Confirm the IFSC on the branch passbook or cheque leaf, call the branch at 7781004469, or ask at the branch counter. Always cross-check after a bank merger or branch restructuring.
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.