Gauravdih branch of Bihar Gramin Bank is located in Gauravdih, Munger (Monghyr) district of Bihar, PIN 811317. The branch serves rural and semi-urban customers around Munger. For electronic fund transfers—NEFT, RTGS and IMPS—the IFSC code is essential. It routes payments to the correct bank and branch. Entering the correct IFSC avoids delays and failed transfers.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Gauravdih |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 3217 |
| Branch Address | Gauravdih, Munger (Monghyr), 811317, 8102918723 |
| Contact Number | 8102918723 |
| City | Munger (Monghyr) |
| District | Munger (Monghyr) |
| Reason | BHAGALPUR |
| Pincode | 811317 |
| State | Bihar |
Merger Update
Important: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged into Punjab National Bank (PNB). All former UBGB and DBGB branch IFSC codes have been revoked. The consolidated IFSC for this region is PUNB0MBGB06 under Punjab National Bank. Use only the new IFSC PUNB0MBGB06 for NEFT, RTGS and IMPS transfers. Any old UBGB/DBGB code will be declined or returned.
What is IFSC Code?
The IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to identify a specific bank branch in electronic payment systems. The structure is:
- First 4 characters: Bank code (letters). Example: PUNB = Punjab National Bank.
- 5th character: Always 0 (reserved for future use).
- Last 6 characters: Branch identifier. Example: MBGB06 identifies the merged branch code portion.
So in PUNB0MBGB06, PUNB = bank, 0 = fixed, and MBGB06 = branch code.
How to Use IFSC Code for NEFT, RTGS, IMPS
- Open your bank’s netbanking site or mobile app.
- Choose fund transfer and select NEFT, RTGS or IMPS depending on amount and urgency:
- Use IMPS for instant small-value transfers 24×7.
- Use NEFT for routine transfers (now available round the clock).
- Use RTGS for high-value, real-time transfers when required.
- Add a beneficiary: enter beneficiary name, account number and IFSC PUNB0MBGB06. For clarity, also enter bank name as Punjab National Bank and branch as Gauravdih (Bihar Gramin Bank).
- Verify beneficiary details. Most banks show bank and branch name once IFSC is entered. Confirm these match before saving.
- Initiate the transfer and note the transaction reference number for tracking.
Benefits of Knowing the IFSC
- Ensures funds reach the correct branch quickly.
- Prevents transaction failures and return charges.
- Needed to add beneficiaries in netbanking and mobile apps.
- Helps in cross-checking bank details during large transfers.
- Useful when filling NEFT/RTGS forms or when giving details to employers or clients.
Contact
Branch Phone: 8102918723
Branch Address: Gauravdih, Munger (Monghyr), 811317
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 this branch?
A: Yes. After the merger, PUNB0MBGB06 is the valid IFSC. Old UBGB/DBGB codes are revoked and will not work.
Q: What happens if I enter the wrong IFSC?
A: If the IFSC points to a different branch, the funds may go to the wrong account or the transaction may be rejected. If rejected, the amount is usually returned to your account after a short delay. Check with your bank for timelines and charges.
Q: How can I verify PUNB0MBGB06 before transferring?
A: Enter the IFSC in your bank’s beneficiary form. The app/site will usually display the bank and branch name—confirm it shows Punjab National Bank and Gauravdih (Munger) before proceeding.
Q: Do MICR and IFSC serve the same purpose?
A: No. IFSC routes electronic payments. MICR (Magnetic Ink Character Recognition) is used mainly for processing paper cheques. MICR 800811002 identifies cheque processing for this branch.
Q: Can I use this IFSC for inward international transfers?
A: For international transfers, banks commonly require the IFSC along with SWIFT/BIC. Punjab National Bank has its own SWIFT codes; confirm with the sending bank or PNB branch if you need a SWIFT code in addition to IFSC.
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.