Bihar Gramin Bank GHUGHARI TAND IFSC Code

GHUGHARI TAND is a branch located in Gaya district, Bihar (PIN 823001). This page gives clear details for fund transfers to and from the branch. The IFSC code is essential for electronic transfers — NEFT, RTGS and IMPS — because it identifies the bank and branch precisely. Using the correct IFSC ensures your funds reach the intended account without delay.

Branch Details Table

Merger Update

The regional rural banks in Bihar underwent consolidation. If your account was earlier with Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB), note they have been merged under Punjab National Bank and now use the single IFSC PUNB0MBGB06. Old UBGB and DBGB IFSC codes have been revoked. For any fund transfer, use only the new IFSC PUNB0MBGB06. Update saved beneficiaries in your netbanking or mobile app to avoid failed transfers.

What is IFSC Code?

The Indian Financial System Code (IFSC) is an 11-character code that uniquely identifies a bank branch for electronic payments. The structure is:

• First 4 characters — bank identifier (example: PUNB = Punjab National Bank).
• 5th character — always 0 (reserved for future use).
• Last 6 characters — branch identifier (alphanumeric). For this branch the last six characters are MBGB06, making the full code PUNB0MBGB06.

How to Use IFSC Code

1. Open your bank’s netbanking portal or mobile banking app.
2. Choose “Add Beneficiary” or “New Payee”.
3. Enter the beneficiary name and account number exactly as given by the recipient.
4. Enter the bank name as Punjab National Bank and the IFSC PUNB0MBGB06.
5. Select the transfer type: NEFT, RTGS or IMPS. (RTGS is generally used for high-value transfers; NEFT and IMPS work for lower amounts and IMPS is immediate.)
6. Confirm details, save beneficiary, and initiate transfer. Verify the beneficiary via a small test transfer if you are sending a large amount.

Benefits of Knowing the IFSC

• Ensures accurate routing of electronic payments to the correct branch and account.
• Reduces delays and failed transactions caused by incorrect bank details.
• Required for online additions of beneficiaries in netbanking and mobile apps.
• Helps banks validate transfers and provide faster settlement or troubleshooting.
• Useful when filling cheque deposit forms or electronic mandate forms.

Contact

Branch Phone No: 7781004457

Branch Address: GHUGHARI TAND, Gaya, 823001

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

Toll Free No: 18001807777

FAQs

• Q: How can I confirm this branch IFSC?
  A: Check the IFSC printed on cheque leaves or passbook issued by the branch. You can also confirm by calling the branch at 7781004457 and asking them to verify PUNB0MBGB06.
• Q: Can I use the old UBGB or DBGB IFSC for transfers?
  A: No. Old UBGB and DBGB IFSC codes have been revoked after the merger. Use only the new IFSC PUNB0MBGB06 for transactions.
• Q: What happens if I enter the wrong IFSC?
  A: If the IFSC does not match the intended bank or branch, the payment may fail or be delayed. Some systems also verify the IFSC against the bank name and may reject the transaction. Contact your bank immediately if a wrong IFSC was used.
• Q: Which method should I use: NEFT, RTGS or IMPS?
  A: Use RTGS for large-value transfers (generally ₹2,00,000 and above). NEFT is suitable for most values and is widely available. IMPS is for instant transfers and is available 24×7 for smaller, immediate payments.
• Q: How do I protect myself when sending a large amount?
  A: Verify the beneficiary account number and IFSC in writing. Do a small test transfer first. Keep transaction receipts and note the UTR/reference number for tracking.

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.