Bihar Gramin Bank Guguldih IFSC Code

The Bihar Gramin Bank branch at Guguldih is located in Guguldih village, Jamui district, Bihar, PIN 811305. This branch handles retail and rural banking for local residents and small businesses in and around Jamui. For electronic fund transfers—NEFT, RTGS, and IMPS—the correct IFSC code is essential. The IFSC identifies the bank and the exact branch so that funds route safely and quickly into the intended account.

Branch Details Table

Bank Name	Bihar Gramin Bank
Branch Name	Guguldih
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	3433
Branch Address	Guguldih, Jamui, 811305, 8102926339
Contact Number	8102926339
City	Jamui
District	Jamui
Reason	JAMUI
Pincode	811305
State	Bihar

Merger Update

The rural banking landscape in Bihar has seen consolidation. Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged under the Punjab National Bank sponsor arrangement. After the merger, branches that earlier used UBGB or DBGB IFSCs now operate under the single IFSC code PUNB0MBGB06. Old UBGB and DBGB IFSC codes have been revoked. For any NEFT/RTGS/IMPS transfer to a former UBGB/DBGB branch, use only the new IFSC PUNB0MBGB06.

What is IFSC Code?

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

• First 4 characters: Bank identifier. Example: PUNB = Punjab National Bank.
• 5th character: Always the digit 0 (reserved for future use).
• Last 6 characters: Branch identifier. Example: in PUNB0MBGB06 the last six MBGB06 point to the specific branch code.

How to Use IFSC Code

Use the IFSC when you make an electronic transfer. Steps:

• Log in to your bank’s netbanking, mobile app, or visit a branch.
• Choose the transfer type: NEFT, RTGS or IMPS.
• Add a beneficiary by entering beneficiary name, account number and the IFSC code PUNB0MBGB06.
• Verify the beneficiary details shown by your bank before saving.
• Initiate the transfer by selecting the saved beneficiary, enter amount and purpose, then authenticate (OTP/password).
• Check transfer confirmation and keep the reference number for tracking.

Notes:

• IMPS is instant and available 24×7 for smaller amounts. Use IMPS for immediate credit needs.
• NEFT is suitable for routine transfers; settlement is continuous in current systems. Your bank will show the processing status.
• RTGS is meant for large-value transfers and completes faster; banks may have limits or different charges.
• Always confirm IFSC and account number; a wrong IFSC can delay routing and may require bank intervention to recover funds.

Benefits of Knowing the IFSC

• Ensures funds reach the exact branch and account—reduces routing errors.
• Required for all electronic transfers (NEFT, RTGS, IMPS).
• Helps verify and cross-check beneficiary details before transfer.
• Makes automated clearing and reconciliation faster for both payer and payee.
• Useful when setting up salary credits, vendor payments, or receiving inward remittances.

Contact

Branch Phone: 8102926339

Branch Address: Guguldih, Jamui, 811305

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

Toll-free No: 18001807777

FAQs

• Q: What is the IFSC for Bihar Gramin Bank, Guguldih branch?

  A: The IFSC is PUNB0MBGB06. Use this for NEFT, RTGS and IMPS transfers to the Guguldih branch.

• Q: Can I still use an old UBGB or DBGB IFSC code?

  A: No. Old UBGB and DBGB IFSC codes have been revoked after the merger. Use the new consolidated IFSC PUNB0MBGB06.

• Q: What is the MICR code and why does it matter?

  A: The MICR code for this branch is 800811002. MICR is used mainly for cheque clearing. IFSC is required for electronic transfers; MICR helps in physical cheque processing and back-office reconciliation.

• Q: What should I do if I enter the wrong IFSC while making a transfer?

  A: If the IFSC still maps to a valid branch, the transfer may go to the wrong branch but can often be recovered by contacting your bank and the receiving bank. If the IFSC is invalid, the payment should fail. Contact your bank immediately with transfer reference, beneficiary details and time of transfer.

• Q: How long will NEFT/RTGS/IMPS transfers take?

  A: IMPS is instant (real-time). NEFT settles quickly under the current round-the-clock system, though banks may show different processing times. RTGS usually processes immediately for large-value transfers. Actual credit time can depend on bank cut-offs, compliance checks, and inter-bank settlement cycles.