Bihar Gramin Bank Gurhanwa IFSC Code

The Bihar Gramin Bank branch at Gurhanwa is located in East Champaran district of Bihar (PIN 845304). This page gives the branch contact and technical details you need to make electronic fund transfers. The IFSC code is essential when sending money via NEFT, RTGS or IMPS. It tells the payment system which bank and which branch should receive the funds. Using the correct IFSC and account number avoids failed transfers and delays.

Branch Details

Merger update

Important: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged into the same regional structure now operating under Punjab National Bank’s routing. All legacy UBGB and DBGB IFSC codes have been revoked. The valid code for transactions at this Gurhanwa branch is PUNB0MBGB06. Do not use old UBGB/DBGB IFSCs — they will cause failed or returned payments.

What is an IFSC code?

The IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to identify bank branches for electronic payments in India.

• First 4 characters = bank code. Example: PUNB = Punjab National Bank.
• 5th character = reserved and is always 0 (zero).
• Last 6 characters = branch identifier. Example in PUNB0MBGB06 the last six characters identify the Gurhanwa branch.

IFSC codes are case-insensitive but are conventionally written in uppercase. The code must match the beneficiary branch exactly for NEFT/RTGS/IMPS transfers.

How to use this IFSC code (NEFT / RTGS / IMPS)

• Collect beneficiary details: full name, bank name, account number, and IFSC PUNB0MBGB06.
• Log in to your bank app or internet banking. Choose the transfer type (NEFT, RTGS or IMPS).
• Add a new beneficiary. Enter the account number and paste the IFSC exactly as shown.
• Validate the beneficiary. Most systems verify the IFSC and display the branch name — confirm it shows Gurhanwa or East Champaran.
• Initiate the transfer. Enter amount, remarks and authorize (OTP, token or UPI PIN as required).
• Choose transfer mode based on urgency and amount: IMPS for instant small-value transfers (instant, typically up to ₹2 lakh depending on bank limits), NEFT for regular transfers (now available 24×7), RTGS for high-value payments (minimum amount typically ₹2 lakh; check your bank for exact limits and hours).
• Keep the transaction reference number for reconciliation and follow up if needed.

Benefits of knowing the IFSC

• Ensures funds reach the correct branch and account without delays.
• Prevents returns and failed transactions caused by incorrect routing.
• Needed to add beneficiaries in online banking and to generate beneficiary validation.
• Useful when filling forms for salaries, vendor payments or government transfers.
• Helps reconcile bank statements and confirm payment receipts by branch.

Contact

Branch phone no: 9297954641

Branch Address: Gurhanwa, EAST CHAMPARAN, 845304

Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR

Toll free: 18001807777

FAQs

• Q: Can I use any old UBGB/DBGB IFSC for payments to this branch?

  A: No. Old UBGB/DBGB IFSC codes have been revoked. Use the new IFSC PUNB0MBGB06 only. Using revoked codes can cause failed transfers.

• Q: What happens if I enter the wrong IFSC but the account number is correct?

  A: Systems route by IFSC to a specific bank branch. If the IFSC does not match the account’s bank/branch, the transaction may be rejected or returned. Always confirm both IFSC and account number.

• Q: How fast will the money arrive if I use IMPS, NEFT, or RTGS?

  A: IMPS is immediate (real-time). NEFT is processed in near real-time as it now runs 24×7, but settlement times can vary slightly. RTGS is used for large-value immediate transfers; it is typically immediate but verify your bank’s RTGS cutoffs and limits.

• Q: How do I confirm the IFSC before sending money?

  A: Confirm with the beneficiary directly. When you add a beneficiary in netbanking, the system usually validates the IFSC and shows the branch name — check it shows “Gurhanwa” or “East Champaran.” You can also call the branch at 9297954641.

• Q: Are there charges for NEFT/RTGS/IMPS?

  A: Banks may levy nominal charges based on the transfer type and amount. IMPS and NEFT charges are generally low; RTGS charges are higher for large value. Check your bank’s tariff schedule or call the toll-free number 18001807777 for specifics.

Kriti Kumari

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.