The Bihar Gramin Bank branch at Gartol is located in Madhubani district of Bihar (PIN 847402). This IFSC code information is essential for electronic fund transfers — NEFT, RTGS and IMPS — because the IFSC uniquely identifies the bank and branch used to route payments. Using the correct IFSC ensures timely settlement and reduces the risk of failed or misrouted transactions.
Branch Details Table
| Bank Name | Bihar Gramin Bank |
| Branch Name | Gartol |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100408 |
| Branch Address | Gartol, MADHUBANI, 847402, 9297954946 |
| Contact Number | 9297954946 |
| City | MADHUBANI |
| District | MADHUBANI |
| Reason | JHANJHARPUR |
| Pincode | 847402 |
| State | Bihar |
Merger Update
Important: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged into a single operation and now use the IFSC code PUNB0MBGB06 under Punjab National Bank (PNB) for electronic transactions. All old UBGB and DBGB IFSC codes have been revoked. For NEFT, RTGS and IMPS transfers to branches that were earlier under UBGB or DBGB, you must use the new IFSC PUNB0MBGB06. Transactions using revoked IFSCs will not be routed.
What is IFSC Code?
The IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to identify bank branches for electronic payments. The structure is fixed:
- First 4 characters = bank identifier. Example: PUNB = Punjab National Bank.
- 5th character = always 0 (reserved for future use).
- Last 6 characters = branch identifier (can include letters and numbers). Example: in PUNB0MBGB06, the last six are MBGB06.
How to Use IFSC Code
Use the IFSC when adding a beneficiary in internet banking or mobile banking, or when filling a paper transfer form at the branch. Steps:
- Log in to your bank’s netbanking or mobile app.
- Choose payment type: NEFT, RTGS or IMPS. (NEFT: batch-wise settlement, suitable for normal transfers. RTGS: real-time settlement, used for larger sums. IMPS: instant 24×7 transfer, usually for lower/urgent amounts.)
- Select “Add Beneficiary” and enter: beneficiary name, account number, and the IFSC PUNB0MBGB06 for Gartol branch.
- Verify details and submit. Authorize using OTP, MPIN or transaction password.
- For branch visits, fill the transfer/RTGS/NEFT form. Write the beneficiary account number and IFSC clearly. Bank officer will process the payment.
- Always double-check the IFSC and account number before confirming the payment. Mistakes can cause delays or incorrect routing.
Benefits of Knowing the IFSC
- Ensures funds reach the correct bank branch quickly.
- Required for NEFT, RTGS and IMPS transfers and for some forms of direct credit.
- Reduces failed transactions and return charges.
- Helps customer service trace and reconcile payments faster.
- Essential after bank mergers or branch reassignments to use the updated code.
Contact
Branch phone no: 9297954946
Branch Address: Gartol, MADHUBANI, 847402
Head office address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777
FAQs
Q: Can I use the old UBGB or DBGB IFSC for transfers?
A: No. Old UBGB and DBGB IFSC codes have been revoked after the merger. Use the new IFSC PUNB0MBGB06 for transactions to these branches.
Q: What happens if I enter a wrong IFSC?
A: If the wrong IFSC belongs to a different branch, the transfer may be routed incorrectly or returned. If the IFSC is invalid, the transaction will likely fail. Always verify the IFSC and account number before sending funds.
Q: Is IFSC case-sensitive?
A: No. IFSC is not case-sensitive. Writing PUNB0MBGB06 or punb0mbgb06 is treated the same by banking systems.
Q: Where can I find the correct IFSC?
A: Confirm with the beneficiary, the bank branch directly, or use official bank communications. After mergers, check that you have the updated IFSC (for this branch it is PUNB0MBGB06).
Q: Are there charges for NEFT/RTGS/IMPS?
A: Banks may apply nominal fees that vary by channel and amount. Many banks offer free IMPS/NEFT/RTGS for certain account types or digital channels. Check with your bank for exact charges.
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.