Bihar Gramin Bank Ghoghardiha IFSC Code

Bihar Gramin Bank Ghoghardiha IFSC Code

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Ghoghardiha is a town in Madhubani district, Bihar. This page gives details for the Bihar Gramin Bank branch located there. Use the IFSC code shown when sending electronic fund transfers (NEFT, RTGS, IMPS). The correct IFSC ensures money reaches the exact branch and account without delay or return.

Branch Details

Bank Name Bihar Gramin Bank
Branch Name Ghoghardiha
IFSC Code PUNB0MBGB06
MICR Code 800811002
Branch Code 100367
Branch Address Ghoghardiha, MADHUBANI, 847402, 9297954947
Contact Number 9297954947
City MADHUBANI
District MADHUBANI
Reason JHANJHARPUR
Pincode 847402
State Bihar

Merger Update

Note: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) were merged into a single arrangement under Punjab National Bank. As part of that consolidation, the unified IFSC code PUNB0MBGB06 is now used for transactions related to these regional rural bank operations. Old UBGB or DBGB IFSC codes have been revoked. Do not use old codes for NEFT/RTGS/IMPS; use PUNB0MBGB06 instead.

What is IFSC Code?

IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code used to identify bank branches for electronic payments.

  • First 4 characters – bank code (letters). Example: PUNB means Punjab National Bank.
  • 5th character – reserved and is always 0.
  • Last 6 characters – branch identifier (alphanumeric). Example: MBGB06 identifies the specific branch.

So PUNB0MBGB06 breaks down as PUNB | 0 | MBGB06.

How to Use IFSC Code

Use the IFSC code when you initiate electronic transfers. Steps are similar across bank websites and apps:

  • Open your bank’s netbanking or mobile app and go to the fund transfer section.
  • Choose transfer type: NEFT, RTGS or IMPS.
  • Add a new beneficiary. Enter beneficiary name, account number, and IFSC: PUNB0MBGB06.
  • Verify the branch name displayed by the system. Confirm details and save the beneficiary.
  • Initiate the transfer from your account. Authenticate using OTP, transaction PIN or token as required.
  • Check transfer receipts for transaction reference and expected timing.

Timing and limits:

  • NEFT: No minimum. Settlements are typically processed in batches (near real-time in many banks).
  • RTGS: For large value transfers. Typically used for amounts above ₹2,00,000. Settlement is real-time during RTGS hours.
  • IMPS: Immediate 24×7 transfers. Limits depend on the bank (commonly up to ₹2,00,000). Check your bank’s limit before large IMPS transfers.

Benefits of Knowing the IFSC

  • Ensures funds route to the exact branch and account without manual intervention.
  • Prevents failed transfers and delays caused by incorrect branch identification.
  • Required to add beneficiaries for online NEFT/RTGS/IMPS transactions.
  • Helps validate branch authenticity when you receive payouts or salary credits.
  • Useful for quick reconciliation using MICR and branch codes in bank records.

Contact

Branch Phone: 9297954947

Branch Address: Ghoghardiha, MADHUBANI, 847402

Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR

Toll Free: 18001807777

FAQs

Q: How do I confirm that PUNB0MBGB06 is the correct IFSC for Ghoghardiha branch?

A: Confirm using the branch address and contact number. The branch table above lists the phone number 9297954947. If in doubt, call the branch or the bank’s toll-free number 18001807777 before sending large amounts.

Q: I have an old UBGB or DBGB IFSC. Can I still use it?

A: No. Old UBGB and DBGB IFSC codes were revoked after the merger. Use the unified IFSC PUNB0MBGB06 for all NEFT/RTGS/IMPS transactions.

Q: What happens if I enter a wrong IFSC but correct account number?

A: Most systems validate IFSC against bank and branch details. If IFSC is wrong, the transfer may fail or be returned. In some cases, if the account number matches a different branch, funds could be credited incorrectly. Always verify both account number and IFSC.

Q: Is MICR required for electronic transfers?

A: No. MICR (800811002) is used mainly for cheque processing and reconciliation. For NEFT/RTGS/IMPS you need the correct IFSC and account number.

Q: How long do NEFT/RTGS/IMPS transfers to this branch take?

A: IMPS is instant (24×7). RTGS is real-time during RTGS business hours and typically used for amounts above ₹2,00,000. NEFT settlements occur in periodic batches or near real-time depending on the bank; many banks now offer 24×7 NEFT. Check with your bank for specific cut-off times and service availability.

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