Bihar Gramin Bank Garhi Bishanpur IFSC Code

Garhi Bishanpur is a rural branch located in Jamui district, Bihar (PIN 811317). This branch serves local residents and businesses for deposits, withdrawals and fund transfers. For electronic transfers — NEFT, RTGS and IMPS — the IFSC code is required to route funds correctly. Using the correct IFSC avoids failed transfers, delays and reconciliation issues.

Branch Details

Merger Update

Bihar Gramin Bank operates under the sponsorship of Punjab National Bank. Previously, regional rural banks in Bihar included Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). These were reorganized and now all retail branches use a single IFSC under Punjab National Bank: PUNB0MBGB06. Old UBGB and DBGB IFSC codes have been revoked. For all electronic transfers use only the new IFSC PUNB0MBGB06; older codes will not work and can cause failed or returned transactions.

What is an IFSC Code?

IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code used to identify bank branches in electronic payments.

• First 4 characters = bank identifier (example: PUNB for Punjab National Bank).
• 5th character = always 0 (reserved).
• Last 6 characters = branch identifier (example: MBGB06 for this branch grouping).

So, the IFSC PUNB0MBGB06 splits as PUNB + 0 + MBGB06.

How to Use the IFSC Code (NEFT, RTGS, IMPS)

• Open your bank app or netbanking and choose payment type: NEFT, RTGS or IMPS. IMPS is instant and available 24×7. NEFT and RTGS are also available round-the-clock in most banks.
• Select “Add Beneficiary” or “New Payee”.
• Enter beneficiary name and account number exactly as on their account.
• Enter IFSC: PUNB0MBGB06. After entering, verify the displayed bank/branch name to ensure correctness.
• Choose transfer mode: IMPS for small immediate transfers; NEFT for regular transfers; RTGS for large-value transfers (typically used for transactions above ₹2 lakh).
• Enter amount and any remarks. Confirm beneficiary details and authenticate with OTP or transaction password.
• Save beneficiary (if required) and initiate transfer. Keep the transaction reference for tracking.

Tip: Always double-check the IFSC and account number. If your app shows the bank name automatically after entering IFSC, confirm it matches “Punjab National Bank / Garhi Bishanpur” or similar.

Benefits of Knowing the IFSC

• Ensures funds route to the correct bank branch and account.
• Reduces failed transfers and return charges.
• Speeds reconciliation for businesses and individuals.
• Required when adding beneficiaries for NEFT, RTGS and IMPS.
• Helps verify branch identity during mergers or code changes.

Contact

Branch Phone: 8102918626

Branch Address: Garhi Bishanpur, Jamui, 811317

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

Toll-free: 18001807777

FAQs

• Q: How do I confirm this IFSC before transferring?

  A: Enter the IFSC (PUNB0MBGB06) while adding a beneficiary in your bank app. Confirm the bank name shown. You can also call the branch at 8102918626 to verify.

• Q: What happens if I use the old UBGB or DBGB IFSC?

  A: Old UBGB/DBGB IFSC codes have been revoked after the merger. Using them will likely result in failed or returned transfers. Use only PUNB0MBGB06 for all transactions.

• Q: Can the IFSC change again?

  A: IFSC can change following bank reorganizations or migrations. Banks notify customers and update details on passbooks, branch notices and official communications. Verify with the branch if you suspect a change.

• Q: Is IFSC required for UPI payments?

  A: UPI usually uses virtual IDs and QR codes and does not require IFSC for a typical peer-to-peer transfer. For adding bank accounts or other banking operations, IFSC may still be required.

• Q: What is the MICR 800811002 used for?

  A: MICR (Magnetic Ink Character Recognition) is used mainly for cheque clearing. MICR 800811002 identifies the Garhi Bishanpur branch for clearing and settlement of cheque payments.

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.