The Bihar Gramin Bank branch in GHEJAN is located in Jehanabad district of Bihar (Pincode 804424). This branch uses the IFSC code when you move money electronically. An accurate IFSC is essential for NEFT, RTGS and IMPS transfers. If the IFSC is wrong, a transfer can fail or be delayed. Always confirm the exact code and branch details before sending funds.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | GHEJAN |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 6961 |
| Branch Address | GHEJAN, Jehanabad, 804424, 7091596961 |
| Contact Number | 7091596961 |
| City | Jehanabad |
| District | Jehanabad |
| Reason | Patna |
| Pincode | 804424 |
| State | Bihar |
Merger Update
Important: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged into a single entity under Punjab National Bank. All old UBGB and DBGB IFSC codes have been revoked. The single valid IFSC for the merged branches is PUNB0MBGB06 (under Punjab National Bank). Use only this IFSC for NEFT, RTGS and IMPS transfers to these branches. Transactions attempted with older UBGB/DBGB IFSC codes will fail.
What is an IFSC Code?
The IFSC (Indian Financial System Code) is an 11-character code used to identify bank branches in electronic fund transfers.
- First 4 characters: Bank code (alphabetic). Example: PUNB = Punjab National Bank.
- 5th character: Always 0 (reserved for future use).
- Last 6 characters: Branch identifier. These can be letters or numbers and uniquely identify the branch. In PUNB0MBGB06, the final six characters (MBGB06) point to the specific branch.
How to Use IFSC Code for NEFT, RTGS and IMPS
- Open your bank’s netbanking app, mobile app or visit the branch.
- Choose “Add Beneficiary” or “New Payee”.
- Enter beneficiary name, account number and the IFSC: PUNB0MBGB06.
- Select the transfer type: NEFT (batch), RTGS (high-value, immediate), or IMPS (instant, 24×7 for smaller amounts).
- Verify beneficiary details carefully before saving. Mistakes in IFSC or account number lead to failed or misrouted transfers.
- Initiate the transfer and note the transaction reference for tracking.
Benefits of Knowing the IFSC
- Accurate routing of electronic funds for NEFT, RTGS and IMPS.
- Faster settlement and fewer failed transactions.
- Required when adding beneficiaries in netbanking or UPI apps (some apps ask for IFSC for bank account payees).
- Helps customer service trace transactions quickly using IFSC + account number.
- Essential when sending or receiving inward remittances from other banks.
Contact
Branch Phone: 7091596961
Branch Address: GHEJAN, Jehanabad, 804424, 7091596961
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free: 18001807777
FAQs
Q: Is PUNB0MBGB06 definitely the only valid IFSC for this GHEJAN branch?
A: Yes. After the merger into Punjab National Bank, PUNB0MBGB06 is the valid IFSC. Old UBGB/DBGB codes are revoked and should not be used.
Q: Can I use this IFSC for UPI transactions?
A: UPI typically uses VPA (virtual payment address). IFSC is not required for UPI peer-to-peer payments. However, IFSC is needed when linking a bank account in some non-UPI services or when adding as a beneficiary in netbanking.
Q: What should I do if a transfer using this IFSC fails?
A: Check the account number and IFSC first. If both are correct, contact your bank with the transaction reference. Provide the beneficiary account number, IFSC and MICR (800811002) and ask them to trace the payment.
Q: Does the MICR code matter for electronic transfers?
A: MICR (800811002) is mainly for cheque processing. Electronic transfers (NEFT/RTGS/IMPS) use the IFSC. Still, MICR can help when clearing physical cheques or when banks ask for additional branch identifiers.
Q: Are there transfer limits with NEFT, RTGS or IMPS?
A: Limits depend on your bank and the channel. RTGS is for high-value immediate transfers (minimum amount threshold applies). NEFT handles a wide range of amounts in batches. IMPS is instant and typically used for smaller to moderate amounts. Check your bank’s daily limits before initiating large transfers.
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.