The Bihar Gramin Bank branch at Ganaun is located in Darbhanga district, Bihar (PIN 847427). For anyone sending or receiving money to this branch, the correct IFSC code is essential. Banks use the IFSC to route electronic fund transfers such as NEFT, RTGS and IMPS. A wrong or outdated IFSC can delay credit, trigger return of funds, or require manual correction.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Ganaun |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 108013 |
| Branch Address | Ganaun, DARBHANGA, 847427, 9297955090 |
| Contact Number | 9297955090 |
| City | DARBHANGA |
| District | DARBHANGA |
| Reason | DARBHANGA |
| Pincode | 847427 |
| State | Bihar |
Merger Update
Important: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been consolidated under Punjab National Bank for retail and branch operations. As a result, the single IFSC code to use for this Ganaun branch and related rural bank branches is PUNB0MBGB06. All old UBGB and DBGB IFSC codes have been revoked. Use only the new IFSC (PUNB0MBGB06) for NEFT, RTGS and IMPS transfers to avoid failed or returned transactions.
What is IFSC Code?
The IFSC (Indian Financial System Code) is an 11-character code used to identify bank branches in electronic payments. Its structure is fixed:
- First 4 characters: Bank identifier (example: PUNB = Punjab National Bank).
- 5th character: Reserved and always 0.
- Last 6 characters: Branch identifier; can be letters and digits (example: MBGB06 in PUNB0MBGB06).
Note: The IFSC uniquely routes online transfers to the correct branch. It is different from the MICR code, which is used for cheque clearing.
How to Use IFSC Code
Follow these steps when sending money to the Ganaun branch:
- Open your bank’s netbanking or mobile app. Choose NEFT, RTGS or IMPS as required.
- Enter the beneficiary’s name and account number exactly as held with the bank.
- Enter the IFSC: PUNB0MBGB06. Double-check characters (capital letters, zero vs O).
- Enter amount and purpose. For NEFT/RTGS, pick the appropriate transfer mode based on amount and speed needed.
- Verify beneficiary and IFSC. Confirm and authenticate the transaction with your PIN/OTP.
- Save the transaction reference number and check beneficiary account after the typical clearing window: IMPS credits instantly (24×7), NEFT and RTGS may be near-instant or within bank settlement windows (now largely 24×7 for both NEFT and RTGS).
Tip: MICR code (800811002) and branch code (108013) are helpful for cheque processing or branch identification but are not required for online transfers.
Benefits of Knowing the IFSC
- Ensures funds route to the correct branch and account. Example: use PUNB0MBGB06 for Ganaun branch.
- Reduces chance of transfer failures and delays caused by wrong branch codes.
- Required for all electronic transfers (NEFT, RTGS, IMPS).
- Makes reconciliation easier for payers and receivers by matching branch identifiers.
- Helps bank staff locate branch records quickly using branch code 108013 and MICR 800811002.
Contact
Branch Phone: 9297955090
Branch Address: Ganaun, DARBHANGA, 847427
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll Free: 18001807777
FAQs
Q: Is PUNB0MBGB06 the correct IFSC for Bihar Gramin Bank, Ganaun?
A: Yes. Use PUNB0MBGB06 for all electronic transfers to the Ganaun branch.
Q: What if I use an old UBGB or DBGB IFSC?
A: Those old IFSCs have been revoked after the merger. Transactions using revoked codes will likely fail or be returned. Always update beneficiary details with the new IFSC PUNB0MBGB06.
Q: Do I need the MICR code to transfer funds online?
A: No. MICR (800811002) is used mainly for cheque clearing. For NEFT/RTGS/IMPS you need the IFSC and the beneficiary account number.
Q: What are the operating hours for NEFT, RTGS and IMPS?
A: IMPS is available 24×7 and credits instantly. NEFT and RTGS are also available round-the-clock under current bank regulations, but processing times can vary by bank and settlement systems.
Q: How can I confirm the branch phone or address before sending large transfers?
A: Call the branch at 9297955090 or the head office toll-free at 18001807777. Confirm account number and IFSC (PUNB0MBGB06) with the beneficiary before initiating the transfer.
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.