Basdilakhas is a branch of Bihar Gramin Bank located in Gopalganj district, Bihar (PIN 841428). For anyone sending or receiving money to this branch, the IFSC code is the key identifier used by Indian banks for electronic fund transfers. The correct IFSC ensures funds route to the right branch for NEFT, RTGS and IMPS transactions.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Basdilakhas |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100548 |
| Branch Address | Basdilakhas, GOPALGANJ, 841428, 9297954548 |
| Contact Number | 9297954548 |
| City | GOPALGANJ |
| District | GOPALGANJ |
| Reason | GOPALGANJ |
| Pincode | 841428 |
| State | Bihar |
Merger Update
Important: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been consolidated and now operate under a single IFSC code assigned through Punjab National Bank: PUNB0MBGB06. Old UBGB and DBGB IFSC codes are revoked and should not be used. If you had beneficiaries saved with an old UBGB/DBGB IFSC, update their details to the new IFSC before initiating transfers. Using revoked IFSC codes can cause transfer failures or delays.
What is IFSC Code?
The IFSC (Indian Financial System Code) is an 11-character alphanumeric code that uniquely identifies a bank branch for electronic payments. Its structure:
- First 4 characters — bank identifier (letters). Example: PUNB = Punjab National Bank.
- 5th character — reserved and always 0 (zero).
- Last 6 characters — branch identifier (alphanumeric). These six characters point to the exact branch. Example in this branch: MBGB06 making the full code PUNB0MBGB06.
How to Use IFSC Code (NEFT, RTGS, IMPS)
- Open your bank’s netbanking, mobile app or visit a bank branch.
- Choose the transfer type: NEFT, RTGS or IMPS. (IMPS is instant; NEFT and RTGS are for electronic clearing—RTGS for large value payments.)
- Add beneficiary / payee. Enter beneficiary name exactly as in bank records, account number, and the IFSC: PUNB0MBGB06.
- Verify details carefully. A single wrong character in the IFSC or account number can misroute or block the payment.
- Enter amount and purpose. Confirm transaction limits: banks set IMPS/NEFT/RTGS limits and charges. Authenticate using OTP or banking token.
- Note confirmations and UTR (Unique Transaction Reference). Keep UTR for reconciliation or in case of disputes.
- If making transfers from another bank, ensure the receiving bank accepts the chosen transfer mode. For very large transfers prefer RTGS; for instant small transfers use IMPS.
Benefits of Knowing the IFSC
- Ensures precise routing of funds to the correct branch.
- Required to add and verify beneficiaries in netbanking or mobile apps.
- Speeds up electronic transfers (NEFT/RTGS/IMPS) and reduces failed transactions.
- Makes reconciliation straightforward. UTR + correct IFSC helps trace payments quickly.
- Avoids delays caused by incorrect branch identification, especially where branch names are similar.
Contact
Branch Phone: 9297954548
Branch Address: Basdilakhas, GOPALGANJ, 841428
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll Free: 18001807777
FAQs
Q: What happens if I enter the wrong IFSC?
A: If the IFSC is wrong but the account number does not match any branch, the transaction will typically fail and funds remain with the sender’s bank until returned. If the IFSC matches a different branch and the account number exists there, funds may be credited to an unintended account. Always double-check both IFSC and account number.
Q: Is IFSC the same as MICR?
A: No. IFSC is for electronic fund transfers and is alphanumeric with 11 characters. MICR (Magnetic Ink Character Recognition) is a 9-digit numeric code used mainly for cheque processing. Both identify branches but serve different systems.
Q: Can I use just the branch code instead of IFSC?
A: No. The full IFSC is required for electronic transfers. The branch code (part of IFSC) alone is not sufficient to route NEFT/RTGS/IMPS transactions.
Q: How do I confirm the IFSC before transferring?
A: Confirm directly from the beneficiary’s bank passbook, cheque leaf, bank statement, bank branch, or by calling the branch on 9297954548. Also verify beneficiary name and account number with the account holder.
Q: The branch recently changed its IFSC. What should I do?
A: If the bank has issued a new IFSC (for example after a merger), update saved beneficiaries in your banking app immediately. Old IFSC codes issued by UBGB/DBGB are revoked; use PUNB0MBGB06 for transfers to this branch.
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.