Bihar Gramin Bank Gamharia IFSC Code

The Bihar Gramin Bank branch at Gamharia is located in East Champaran district of Bihar (Pincode 845431). This IFSC code page helps you confirm the branch details needed to transfer funds. An accurate IFSC is essential for electronic transfers (NEFT, RTGS, IMPS). Using the correct IFSC ensures the money reaches the right bank and branch and prevents delays or reversals.

Branch Details

Merger Update

Important: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged into Punjab National Bank’s network for IFSC and clearing purposes. As a result, this branch now uses the single IFSC PUNB0MBGB06 under Punjab National Bank. Any old UBGB or DBGB IFSC codes have been revoked. Only the new IFSC PUNB0MBGB06 is valid for NEFT, RTGS and IMPS transactions to this branch.

What is IFSC Code?

The IFSC is an 11-character code used to identify bank branches for electronic payments. Its structure is fixed:

• First 4 characters: Bank identifier (alphabetic). Example: PUNB = Punjab National Bank.
• 5th character: Always numeric zero (0). It is reserved for future use.
• Last 6 characters: Branch identifier. It can be alphanumeric. Example: MBGB06 identifies the Gamharia branch under the issuing bank.

How to Use IFSC Code

Use the IFSC when setting up a beneficiary in your bank or payments app for NEFT, RTGS or IMPS. Steps:

• Open your bank’s netbanking, mobile app or payment portal.
• Choose fund transfer and select transfer type: NEFT, RTGS or IMPS.
• Add a new beneficiary. Enter the beneficiary name and account number exactly as the bank holds it.
• Enter the IFSC: PUNB0MBGB06. Double-check spelling and characters.
• Save beneficiary. The bank may require verification (OTP or approval from your branch) before first use.
• Initiate transfer, enter amount and a purpose remark. Verify details and confirm with OTP/2FA.
• Keep the transaction reference number. Check beneficiary account after confirmation.

Notes on schemes and timings:

• NEFT: No minimum. Transactions are processed electronically and are available 24×7 in most banks. Settlements are quick but may take a few minutes depending on systems.
• RTGS: Real-time gross settlement. Used for high-value transfers. Minimum trigger amount varies by bank (commonly ₹2 lakh) — check with your bank.
• IMPS: Instant payment service. Available 24×7 for small and medium amounts. Some banks set per-transaction limits.
• Always check your bank’s cut-offs and per-day limits. Limits differ across banks and account types.

Benefits of Knowing the IFSC

• Ensures funds reach the correct branch without manual intervention.
• Reduces failed transfers and avoids delays or reversals.
• Required to add beneficiaries in netbanking and payment apps.
• Helps reconcile payments using IFSC and branch details in records.
• Useful when verifying cheques, advice slips, and bank correspondence.

Contact

Branch phone no: 9297954635

Branch Address: Gamharia, EAST CHAMPARAN, 845431

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

Toll free no: 18001807777

FAQs

• Q: Can I use the old UBGB IFSC for transfers to Gamharia branch?
  A: No. Old UBGB IFSC codes have been revoked after the merger. Use the new IFSC PUNB0MBGB06 for all electronic transfers.
• Q: What if I enter a wrong IFSC by mistake?
  A: If the IFSC points to a valid but different branch, the funds will go to that branch and may not reach the intended beneficiary. If the IFSC is invalid, the transaction will usually fail and the amount will be reversed. Contact your bank immediately if you suspect an error.
• Q: Is IFSC enough to transfer funds or do I need other details?
  A: You need the beneficiary’s correct account number and name plus the IFSC. For IMPS you can also use MMID where applicable, but IFSC + account is the standard method for NEFT/RTGS/IMPS.
• Q: How do I verify the MICR and branch code?
  A: MICR (800811002) and branch code (100259) are printed on cheques and bank records. Use them for cheque processing and internal bank references. Confirm with the branch if you see discrepancies.
• Q: Where can I confirm the branch phone or address before visiting?
  A: Use the branch contact shown above: 9297954635, or call the bank’s toll-free number 18001807777 for confirmation.

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.