Bihar Gramin Bank Gobarshahi Chowk IFSC Code

The Bihar Gramin Bank branch at Gobarshahi Chowk is in Muzaffarpur, Bihar (PIN 843128). This location serves retail and rural customers for deposits, withdrawals, and fund transfers. For electronic transfers such as NEFT, RTGS and IMPS you need the branch IFSC code. The IFSC identifies the bank and the exact branch so fund routing is accurate and timely. Using the correct IFSC avoids failed transfers, delays, or funds being sent to the wrong account.

Branch Details

Bank Name	Bihar Gramin Bank
Branch Name	Gobarshahi Chowk
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	100096
Branch Address	Gobarshahi Chowk, MUZAFFARPUR, 843128, 9297955351
Contact Number	9297955351
City	MUZAFFARPUR
District	MUZAFFARPUR
Reason	MUZAFFARPUR
Pincode	843128
State	Bihar

Merger Update

The Gobarshahi Chowk branch now uses the single IFSC code PUNB0MBGB06 under Punjab National Bank (PNB). Both Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged into a unified structure under PNB for electronic clearing. Old UBGB IFSC codes have been revoked. For NEFT, RTGS and IMPS transactions only the new IFSC PUNB0MBGB06 is valid. If you have previously saved an old UBGB or DBGB IFSC in your beneficiary list, update it to avoid failed transfers.

What is IFSC Code?

IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code used to identify a bank branch for electronic fund transfers.

• First 4 characters: Bank code. Example: PUNB = Punjab National Bank.
• 5th character: Reserved and is always 0 (zero).
• Last 6 characters: Branch identifier. Example: MBGB06 identifies the Gobarshahi Chowk branch under the consolidated coding scheme.

Putting that together: PUNB0MBGB06 = PUNB (bank) + 0 (reserved) + MBGB06 (branch).

How to Use IFSC Code

Follow these steps when making NEFT, RTGS or IMPS transfers.

1. Open your bank’s netbanking, mobile app or visit the branch counter.
2. Choose “Add Beneficiary” or “New Recipient.”
3. Enter beneficiary name, account number and the IFSC PUNB0MBGB06 exactly as shown.
4. Double-check the first 4 characters (bank), the 5th character (should be 0) and the last 6 characters (branch). This prevents routing errors.
5. Save the beneficiary. The bank may perform an instant validation or a small amount verification.
6. Select the transfer method: IMPS for immediate transfers (24×7, up to bank-set limit), NEFT for batch settlements (now largely 24×7), or RTGS for high-value transfers (commonly used for amounts above ₹2,00,000). Your bank’s app will show applicable limits and cutoffs.
7. Enter the amount, purpose, and authenticate with OTP or banking PIN.
8. Confirm the transaction and keep the reference number. Check beneficiary account details if you receive an error or mismatch message.

Note: IMPS is instant. NEFT settlements are near real-time with many banks offering 24×7 processing. RTGS is for large-value, real-time gross settlement and is typically used for transfers above ₹2 lakh, though exact limits can vary by bank.

Benefits of Knowing the IFSC

• Ensures accurate routing of funds to the exact branch and account.
• Reduces failed transfers and returns, saving time and bank charges.
• Required to add beneficiaries for NEFT, RTGS and IMPS.
• Helps bank staff or third-party services identify the correct clearing path.
• MICR and IFSC together speed up cheque clearing and electronic settlements.

Contact

Branch Phone: 9297955351

Branch Address: Gobarshahi Chowk, MUZAFFARPUR, 843128

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

Toll Free: 18001807777

FAQs

1. What happens if I enter the wrong IFSC?

If the IFSC or account number does not match any existing account mapping, the transfer will likely be rejected and funds returned to your account after processing. If the IFSC points to another valid branch and the account number matches an existing account there, the funds may be credited to that account. Always verify both IFSC and account number before confirming.

2. Where can I find the correct IFSC for this branch?

You can find the IFSC on the branch cheque leaf, passbook, or by asking the branch directly. The correct IFSC for Gobarshahi Chowk is PUNB0MBGB06. If your older UBGB or DBGB IFSC is saved, update it to this PNB-based code.

3. Is IFSC case-sensitive?

No. IFSC is not case-sensitive. You can enter uppercase or lowercase letters. Still, enter it exactly to avoid typos.

4. Can the IFSC change?

Yes. IFSC can change when banks merge, rebrand, or rationalize branches. In this case, UBGB and DBGB IFSC codes were revoked and replaced by the unified PNB IFSC PUNB0MBGB06. Banks notify customers in such events; always confirm updated codes before making transfers.

5. Do I need the MICR code for online transfers?

No. MICR (800811002 for this branch) is used primarily for cheque clearing and paper-based processes. For NEFT, RTGS and IMPS, IFSC is the required code.