Ghosai is a village branch located in Madhepura district of Bihar (PIN 852115). This branch operates under Bihar Gramin Bank with the IFSC code used for electronic fund transfers. The IFSC code is essential for NEFT, RTGS and IMPS transfers. It tells the payment system which bank and branch should receive the funds. Use the correct IFSC to avoid delays and failed transactions.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Ghosai |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 108114 |
| Branch Address | Ghosai, MADHEPURA, 852115, 9297954307 |
| Contact Number | 9297954307 |
| City | MADHEPURA |
| District | MADHEPURA |
| Reason | SAHARSA |
| Pincode | 852115 |
| State | Bihar |
Merger Update
Important: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged into Punjab National Bank (PNB) operations for these rural branches. The consolidated IFSC in use for this region is PUNB0MBGB06. Old UBGB/DBGB IFSC codes have been revoked. For any NEFT, RTGS or IMPS transfer use only the new IFSC PUNB0MBGB06. Transactions attempted with old IFSC codes will not complete and will require manual correction.
What is IFSC Code?
The Indian Financial System Code (IFSC) is an 11-character alphanumeric code. It helps software and banks route electronic payments to the correct bank branch.
- First 4 characters = bank code (alphabetic). Example: PUNB = Punjab National Bank.
- 5th character = reserved and is always 0.
- Last 6 characters = branch code (alphanumeric). Example: in PUNB0MBGB06 the last six are MBGB06, the specific branch identifier.
How to Use IFSC Code
Follow these steps when sending money by NEFT, RTGS or IMPS from internet banking or the mobile app:
- Login to your bank’s netbanking or mobile app.
- Choose fund transfer and select the method: NEFT, RTGS or IMPS.
- Add a new beneficiary. Enter the beneficiary name and account number exactly as given by the recipient.
- Enter the IFSC code PUNB0MBGB06 for Bihar Gramin Bank, Ghosai branch.
- Provide the amount and any remarks. Review transfer limits: IMPS is instant up to bank-set limit, NEFT has no minimum, RTGS is used for larger amounts (many banks set a minimum around ₹2,00,000).
- Confirm and authenticate the payment using OTP or transaction PIN.
- Keep the transaction reference ID until the beneficiary confirms receipt.
Note: UPI transfers do not require IFSC. For corporate or bulk payments you may need the branch’s MICR and address as well.
Benefits of Knowing the IFSC
- Ensures fast routing of NEFT/RTGS/IMPS payments to the correct branch.
- Reduces failed or returned transactions and related delays.
- Needed when adding beneficiaries in netbanking or mobile apps.
- Useful for filling forms that require branch identification (e.g., merchant payouts, salary credits).
- Helps customer support locate a transaction quickly using the branch identifier.
Contact
Branch Phone: 9297954307
Branch Address: Ghosai, MADHEPURA, 852115
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll Free: 18001807777
FAQs
Q: Is PUNB0MBGB06 the only code I should use for this branch?
A: Yes. After the UBGB/DBGB merger into PNB, the valid IFSC for this branch is PUNB0MBGB06. Old codes are revoked.
Q: What happens if I enter the wrong IFSC but correct account number?
A: The transfer may fail or be delayed. In some cases the bank may route it to a different branch if systems accept the account number with that IFSC. This is rare. Always double-check both account number and IFSC before confirming.
Q: Which transfer method should I choose — NEFT, RTGS or IMPS?
A: Use IMPS for instant small-value transfers (24×7). Use NEFT for routine transfers (now available round-the-clock in most banks). Use RTGS for high-value transfers that require immediate settlement; banks often set a minimum (commonly ₹2 lakh). Check your bank’s limits and charges.
Q: How do I verify the IFSC before sending money?
A: Verify with the payee directly. Also check the branch cheque book, passbook, or the bank’s official details provided on the head office or branch communications. When in doubt, call the branch at 9297954307 or the toll-free number 18001807777.
Q: Is IFSC case-sensitive?
A: No. IFSC is not case-sensitive but it is common to enter it in uppercase (for clarity), e.g., PUNB0MBGB06.
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.