Bihar Gramin Bank Gausaghat IFSC Code

The Bihar Gramin Bank branch at Gausaghat is located in Darbhanga, Bihar (PIN 846004). This branch handles local retail and rural banking services. For electronic fund transfers—NEFT, RTGS and IMPS—you must use the correct IFSC code. The IFSC identifies the bank and branch in the electronic payment network. Using the wrong code can delay payments or route funds to the wrong branch, so confirming the IFSC before you send money is important.

Branch Details

Merger Update

The regional rural banks Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been consolidated under Punjab National Bank. All former UBGB and DBGB branch IFSC codes have been revoked. These branches now operate using the single IFSC code PUNB0MBGB06 under Punjab National Bank for NEFT, RTGS and IMPS transactions. If you have older documentation showing UBGB or DBGB IFSCs, replace them with the new code before initiating transfers.

What is IFSC Code?

The Indian Financial System Code (IFSC) is an 11-character alphanumeric code used to route electronic payments. The structure is fixed:

• First 4 characters — bank identifier (e.g., PUNB = Punjab National Bank).
• 5th character — always 0 (reserved for future use).
• Last 6 characters — branch identifier (unique to each branch).

Example: PUNB0MBGB06 breaks down as PUNB | 0 | MBGB06 where “MBGB06” identifies the specific branch under the bank code.

How to Use IFSC Code for NEFT, RTGS and IMPS

• Open your bank’s netbanking site or mobile banking app. Alternatively, use your bank branch or an ATM service where supported.
• Choose transfer type: NEFT for regular payments, RTGS for large urgent transfers (usually above a bank-specified threshold), IMPS for instant 24×7 small-value transfers.
• Select “Add Beneficiary” or “New Payee.” Enter beneficiary name and bank account number.
• Enter the IFSC code: PUNB0MBGB06 for Bihar Gramin Bank, Gausaghat (Darbhanga).
• Verify beneficiary details displayed by the system (bank and branch name should match Gausaghat / Punjab National Bank mapping).
• Confirm and save the beneficiary. Some banks require a cooling period (e.g., 30 minutes to 24 hours) before you can transfer funds to a newly added beneficiary.
• Initiate the transfer. Review amount and account details. Authorize with OTP or other authentication your bank requires.
• For safety, consider doing a small test transfer first before sending large sums.

Benefits of Knowing the IFSC

• Ensures accurate routing of electronic payments to the correct bank and branch.
• Speeds up processing for NEFT, RTGS and IMPS transfers.
• Helps validate beneficiary details when adding payees in netbanking or mobile apps.
• Prevents delays, failed transfers and the need for manual intervention by the bank.
• Useful for receiving inward transfers from employers, government payments, or customers.

Contact

Branch phone no: 9297955091

Branch Address: Gausaghat, DARBHANGA, 846004

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 current code PUNB0MBGB06 for this branch.

• Q: Is IFSC case-sensitive?

  A: No. IFSC is not case-sensitive. However, always enter it carefully to avoid typos.

• Q: What is the difference between IFSC and MICR?

  A: IFSC routes electronic transfers (NEFT/RTGS/IMPS). MICR (Magnetic Ink Character Recognition) is used primarily for cheque processing. MICR for this branch is 800811002.

• Q: What happens if I enter a wrong IFSC?

  A: If the IFSC does not match the account number, banks typically block the transfer and return funds after manual verification. In some cases, funds may go to a different branch if the account number matches that branch’s numbering—so always verify beneficiary details before sending.

• Q: Which transfer method should I use—NEFT, RTGS or IMPS?

  A: Use NEFT for routine transfers with no immediate urgency. Use RTGS for high-value urgent transfers where RTGS is available (check your bank’s minimum limit). Use IMPS for instant transfers at any time for lower amounts. Check your bank’s limits and charges before choosing.

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.