Bihar Gramin Bank, Ganauli branch is located in Ganauli village, Madhubani district, Bihar (PIN 847401). This branch serves retail and rural customers in and around Jhanjharpur. For electronic fund transfers such as NEFT, RTGS and IMPS, the IFSC code is essential. It identifies the bank and specific branch so payments route correctly and settle securely between banks.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Ganauli |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100386 |
| Branch Address | Ganauli, MADHUBANI, 847401, 9297954920 |
| Contact Number | 9297954920 |
| City | MADHUBANI |
| District | MADHUBANI |
| Reason | JHANJHARPUR |
| Pincode | 847401 |
| State | Bihar |
Merger Update
Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been consolidated under Punjab National Bank’s sponsorship. As part of this reorganization the consolidated branches now use a single IFSC series. For the Ganauli branch the valid IFSC is PUNB0MBGB06. All older IFSC codes issued under UBGB or DBGB have been revoked. Use only the new IFSC (PUNB0MBGB06) for NEFT, RTGS and IMPS; transactions made to revoked IFSCs will fail or be returned.
What is an IFSC Code?
IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code used by RBI/NPCI to route electronic payments. The structure is:
- First 4 characters: Bank identifier (example: PUNB = Punjab National Bank).
- 5th character: Always 0 (reserved for future use).
- Last 6 characters: Branch identifier (alphanumeric). In PUNB0MBGB06, MBGB06 identifies the specific Ganauli branch.
How to Use the IFSC Code for NEFT, RTGS, IMPS
Follow these practical steps when you transfer funds online or at a branch:
- Open your bank’s internet banking, mobile app or visit the branch counter.
- Choose transfer type: NEFT, RTGS or IMPS. (IMPS is immediate and typically used for small, urgent transfers; RTGS is for large-value real-time settlement; NEFT is for standard interbank settlements.)
- Enter beneficiary name, account number and the IFSC: PUNB0MBGB06 for Bihar Gramin Bank, Ganauli.
- Confirm MICR or branch details if prompted—MICR (800811002) helps cheque processing; IFSC is required for electronic transfers.
- Enter amount and purpose, review the details carefully, then authorize the transfer using OTP or transaction PIN.
- Save the transaction reference number. Use it to track or query the payment if needed.
Tip: Always double-check the beneficiary account number and IFSC before confirming. Banks rely on these identifiers to route funds; an incorrect IFSC can delay or return the transfer.
Benefits of Knowing the IFSC
- Ensures accurate routing of funds to the correct branch and account.
- Saves time during online payment setup; speeds up reconciliation.
- Helps customer support trace failed or disputed transactions quickly.
- Needed for standing instructions, bulk remittances and inward credits like salaries or government payments.
- Using the correct IFSC avoids avoidable return charges and delays.
Contact
Branch phone: 9297954920
Branch address: Ganauli, MADHUBANI, 847401
Head office address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll-free number: 18001807777
FAQs
Q: Is PUNB0MBGB06 the only code I should use for this branch?
A: Yes. After the merger and reorganization, PUNB0MBGB06 is the valid IFSC for Ganauli. Old IFSCs from UBGB/DBGB are revoked and should not be used.
Q: What if I enter the wrong IFSC but the correct account number?
A: If the IFSC points to a different branch of the same bank, the transfer may go to the wrong branch but still succeed if the account number is unique across branches. If IFSC and account number mismatch, banks typically refuse or return the transfer. Always verify both fields.
Q: How is IFSC different from MICR?
A: IFSC (11 chars) routes electronic payments. MICR (typically 9 digits, here 800811002) is used by clearing houses to speed cheque processing. Both identify bank branches but serve different systems.
Q: Can the IFSC change again?
A: IFSC can change if the bank reorganizes or the branch is rebranded. When that happens the bank issues a formal notice. Until notified, use the published IFSC PUNB0MBGB06.
Q: How do I verify the IFSC before making a transfer?
A: Check the branch details provided by the bank (branch letterhead, passbook, bank statement) or call the branch at 9297954920. Use the head office or toll-free number for confirmation if needed.
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.