Bihar Gramin Bank branch at Gangi is located in Kishanganj district of Bihar (PIN 855107). This branch serves local residents and businesses for deposits, withdrawals, and electronic transfers. For NEFT, RTGS, and IMPS transfers, the correct IFSC code is essential. The IFSC ensures your funds route to the exact bank and branch. Using the wrong code can delay transfers or cause them to fail.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Gangi |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100811 |
| Branch Address | Gangi, KISHANGANJ, 855107, 9297954395 |
| Contact Number | 9297954395 |
| City | KISHANGANJ |
| District | KISHANGANJ |
| Reason | ARARIA |
| Pincode | 855107 |
| State | Bihar |
Merger Update
Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) were merged to form a single entity operating under the Bihar Gramin Bank umbrella sponsored by Punjab National Bank. As part of this consolidation, the single IFSC code in active use for this branch is PUNB0MBGB06. Old UBGB or DBGB IFSC codes have been revoked and are no longer valid for NEFT, RTGS, or IMPS transactions. Always use the new IFSC PUNB0MBGB06 to avoid failed or returned transfers.
What is an IFSC Code?
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to identify bank branches in electronic fund transfers. The structure is fixed:
- First 4 characters: Bank code (alphabetic). Example: PUNB for Punjab National Bank.
- 5th character: Always 0 (reserved).
- Last 6 characters: Branch identifier (alphanumeric). Example: MBGB06 in PUNB0MBGB06.
How to Use the IFSC Code (NEFT, RTGS, IMPS)
- Open your bank’s netbanking portal or mobile app. You can also use an ATM-enabled fund transfer feature where available.
- Choose the transfer type: NEFT, RTGS, or IMPS depending on urgency and amount. (RTGS is for high-value transfers; NEFT/IMPS for others.)
- Add a new beneficiary. Enter beneficiary name and account number exactly as the bank holds it.
- Enter the IFSC: PUNB0MBGB06 for Bihar Gramin Bank, Gangi branch.
- Verify the branch details that the system displays after you enter the IFSC. Confirm before proceeding.
- Enter amount and purpose. Authorize the transaction with OTP or transaction password.
- Keep the transaction reference for tracking. Confirm settlement time: NEFT batches or real-time IMPS; RTGS typically settles immediately for amounts above the RTGS minimum.
Note: RTGS minimum is typically ₹2,00,000; NEFT has no minimum. IMPS is instant and available 24×7 within bank-set limits (often around ₹2,00,000 per transaction). Check your bank for exact limits.
Benefits of Knowing the IFSC
- Ensures funds reach the exact branch and account without delay.
- Required for NEFT, RTGS, and IMPS transfers.
- Helps beneficiaries receive direct credits from employers, government payments, and refunds.
- Makes online payments and vendor settlement straightforward and auditable.
- Allows validation in banking apps to reduce errors before sending money.
Contact
Branch Phone: 9297954395
Branch Address: Gangi, KISHANGANJ, 855107
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll Free: 18001807777
FAQs
Q: Is PUNB0MBGB06 the only IFSC I should use for Gangi branch transfers?
A: Yes. After the merger and re-coding, PUNB0MBGB06 is the valid IFSC for the Gangi branch. Older UBGB/DBGB IFSCs are revoked.
Q: What happens if I enter the wrong IFSC?
A: If the wrong IFSC points to another valid branch, funds may go to the wrong branch and require a recovery request. If the IFSC is invalid, the transfer will likely fail or be returned. Always double-check the IFSC and account number.
Q: How do I verify the IFSC before making a transfer?
A: Enter the IFSC in your bank’s beneficiary-add screen. The bank system should display the bank and branch name. Confirm that it shows Bihar Gramin Bank, Gangi before authorising the transfer.
Q: Can I use this IFSC for cheque clearing or only for electronic transfers?
A: IFSC is used for electronic transfers (NEFT, RTGS, IMPS). Cheques clear using MICR code and account details; however, having the correct IFSC on electronic payment forms is crucial for real-time/electronic routing.
Q: Are there transaction limits when using IMPS, NEFT, or RTGS with this IFSC?
A: Limits depend on the sending bank and product. Typical guidelines: NEFT — no minimum, RTGS — usually for amounts ₹2,00,000 and above, IMPS — instant and available 24×7 with bank-specific caps (often around ₹2,00,000). Confirm limits with your issuing bank.
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.