The Bihar Gramin Bank branch at Gaura is located in Gopalganj district, Bihar (PIN 841437). It serves local residents and businesses for deposits, withdrawals, and electronic fund transfers. For online transfers (NEFT, RTGS, IMPS) you must use the correct IFSC code. The IFSC uniquely identifies the bank and branch so payments route to the right account. Using a wrong or old IFSC can delay payments or cause failures.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Gaura |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100529 |
| Branch Address | Gaura, GOPALGANJ, 841437, 9934874211 |
| Contact Number | 9934874211 |
| City | GOPALGANJ |
| District | GOPALGANJ |
| Reason | GOPALGANJ |
| Pincode | 841437 |
| State | Bihar |
Merger Update
Important: Bihar Gramin Bank branches previously under Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB) have been consolidated. Both banks now operate under Punjab National Bank’s single IFSC code PUNB0MBGB06. Old UBGB/DBGB IFSC codes have been revoked. For all NEFT, RTGS and IMPS transfers to this branch use only PUNB0MBGB06.
What is an IFSC Code?
IFSC stands for Indian Financial System Code. It is an 11-character code used to route electronic payments. The structure is:
- First 4 characters — bank identifier (example: PUNB = Punjab National Bank)
- 5th character — always 0 (reserved)
- Last 6 characters — branch identifier (example: MBGB06)
So in PUNB0MBGB06, “PUNB” is the bank, “0” is reserved, and “MBGB06” points to the Gaura branch under the merged arrangement.
How to Use the IFSC Code (NEFT, RTGS, IMPS)
- Open your bank app or internet banking portal.
- Go to “Add Beneficiary” or “New Payee”.
- Enter beneficiary name and account number exactly as given by the recipient.
- Enter IFSC: PUNB0MBGB06. Double-check every character.
- Choose transfer type:
- NEFT — for routine transfers (no upper limit, settlement as per bank timings).
- RTGS — for high-value immediate transfers (use if amount exceeds your bank’s RTGS threshold; check bank for minimum/limits).
- IMPS — for instant transfers 24×7, typically for smaller, immediate payments.
- Enter amount and purpose. Confirm details and authorize with OTP or transaction password.
- Note the transaction reference number. Keep it until beneficiary confirms credit.
Example: To send ₹25,000 via IMPS, add beneficiary with account no. XXXXXX and IFSC PUNB0MBGB06, then select IMPS and authorize with OTP.
Benefits of Knowing the IFSC
- Ensures funds route to the correct branch and account.
- Prevents delays and failed transactions caused by wrong branch codes.
- Needed to add beneficiaries in apps and websites.
- Helps customer service trace transactions using branch details (IFSC + MICR).
- Useful for bulk payments, payrolls, vendor settlements and government transfers.
Contact
Branch Phone: 9934874211
Branch Address: Gaura, GOPALGANJ, 841437
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll Free: 18001807777
FAQs
Q: Is PUNB0MBGB06 the only valid IFSC now for this branch?
A: Yes. After the merger, old UBGB/DBGB IFSCs have been revoked. Use only PUNB0MBGB06 for NEFT, RTGS, and IMPS.
Q: Where else can I find the IFSC printed?
A: The IFSC is printed on cheque leaves and passbooks. It is also shown in bank statements and on the bank’s beneficiary screens. Always verify with the payee before sending funds.
Q: What happens if I enter a wrong IFSC but correct account number?
A: The payment routing may fail or go to a different branch. If the bank cannot match the IFSC and account, the transaction will usually be reversed, but this takes time. Contact your bank with the transaction reference for tracing.
Q: How long does a NEFT/RTGS/IMPS transfer take?
A: IMPS is instant (seconds). RTGS is near-instant for eligible amounts during bank service hours. NEFT used to be batch-based but is now largely continuous; actual timing depends on sending and receiving banks. If a transaction is delayed, use the reference number to query the bank.
Q: Can the IFSC change again in future?
A: Yes, IFSCs can change if there is a merger, rebranding, or branch closure. Banks announce such changes and provide a transition period. After that, old codes are typically revoked. Always confirm the current IFSC before making a payment.
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.