Bihar Gramin Bank Garahiya IFSC Code

Garahiya is a small branch location in East Champaran district, Bihar (PIN 845426). This branch operates under the Bihar Gramin Bank identity but uses the Punjab National Bank IFSC code PUNB0MBGB06 for electronic fund transfers. An IFSC code is essential for routing funds in NEFT, RTGS and IMPS. When you send money, the IFSC tells the payment system which bank and which branch should receive the funds. Using the correct IFSC reduces failed transfers, delays and manual intervention.

Branch Details

Merger Update

If this branch is part of the former Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB), note the following. Both regional gramin banks were integrated and now operate using the single IFSC code PUNB0MBGB06 under Punjab National Bank. Old UBGB and DBGB IFSC codes have been revoked. For NEFT, RTGS and IMPS transactions use only the new IFSC PUNB0MBGB06. Using retired IFSCs will cause failures or delays.

What is IFSC Code?

IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code used to route electronic payments. The structure is fixed:

• First 4 characters — bank identifier (for example, PUNB = Punjab National Bank).
• 5th character — always 0 (reserved).
• Last 6 characters — branch identifier (alphanumeric). In this case, MBGB06 identifies the specific Garahiya branch mapping under the PNB arrangement.

Example: PUNB0MBGB06 = PUNB (bank) + 0 (reserved) + MBGB06 (branch).

How to Use IFSC Code

• Collect beneficiary details: name, account number, IFSC (PUNB0MBGB06) and branch name. Confirm spelling and digits.
• Open your bank’s netbanking, mobile app or visit a branch counter.
• Choose the transfer type: NEFT, RTGS or IMPS. (IMPS is immediate and available 24×7; NEFT and RTGS timings depend on your bank.)
• Add beneficiary: enter name, account number and IFSC exactly. Save and complete any required OTP or validation step.
• Initiate the transfer: select saved beneficiary, enter amount and purpose, then confirm.
• Verify the transaction status and record the reference number. If transfer fails, check IFSC and account number and contact the bank.

Tip: Always verify the IFSC from an official source such as the bank passbook, cheque leaf or by calling the branch number 9297954636.

Benefits of Knowing the IFSC

• Enables accurate routing of NEFT, RTGS and IMPS payments to the correct branch.
• Reduces failed transactions and return charges caused by incorrect branch details.
• Saves time: digital transfers post-validation are faster than manual inter-branch processing.
• Essential for payroll, vendor payments and recurring transfers where branch-level routing is required.
• Helps verify authenticity of beneficiary details before sending large amounts.

Contact

Branch Phone: 9297954636

Branch Address: Garahiya, EAST CHAMPARAN, 845426

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

Toll Free: 18001807777

FAQs

• Q: Can I use lowercase letters when entering the IFSC?

  A: Most banking systems are case-insensitive, but use uppercase (PUNB0MBGB06) to avoid any formatting issues when copying and pasting.

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

  A: If the IFSC maps to a different bank/branch, the payment may fail or, in rare cases, be routed incorrectly. Always double-check both account number and IFSC. If money is misrouted, contact your bank immediately with transaction reference for recovery steps.

• Q: How can I verify the IFSC for Garahiya branch?

  A: Verify on the bank passbook, cheque leaf, or call the branch at 9297954636. After the merger, ensure you use PUNB0MBGB06 as older IFSCs (UBGB/DBGB variants) are revoked.

• Q: Is the IFSC the same for NEFT, RTGS and IMPS?

  A: Yes. The same IFSC PUNB0MBGB06 is used across NEFT, RTGS and IMPS to identify the receiving branch.

• Q: How long does a bank take to add a new beneficiary?

  A: Banks vary. Many implement a validation or cooling period (it can be immediate or take up to 24 hours) for first-time beneficiaries. Check your bank’s beneficiary policy and monitor SMS/email confirmations.

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.