Bihar Gramin Bank Gopalganj IFSC Code

Bihar Gramin Bank, Gopalganj branch is located in Gopalganj city, Gopalganj district, Bihar (PIN 841428). For electronic fund transfers in India, the IFSC code is essential. Banks use IFSC to route payments through NEFT, RTGS and IMPS. Entering the correct IFSC ensures your money reaches the right branch quickly and without rejection.

Branch Details

Merger Update

Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) were restructured and now operate under a unified arrangement with Punjab National Bank for electronic clearing. The single IFSC to be used for these merged operations is PUNB0MBGB06. Old UBGB and DBGB IFSC codes have been revoked. For any NEFT/RTGS/IMPS transfer to branches that were earlier under UBGB or DBGB, use only PUNB0MBGB06. Transactions addressed to old IFSCs will be rejected.

What is IFSC Code?

IFSC stands for Indian Financial System Code. It is an 11-character code used to identify bank branches in electronic payment systems. The structure is:

• First 4 characters: Bank identifier (letters). Example: PUNB = Punjab National Bank.
• 5th character: Reserved and is always 0 (zero).
• Last 6 characters: Branch identifier (alphanumeric). Example: MBGB06 in PUNB0MBGB06.

So for PUNB0MBGB06: PUNB = bank, 0 = reserved, MBGB06 = branch code portion used in electronic routing.

How to Use IFSC Code

1. Open your bank’s netbanking or mobile app and choose NEFT, RTGS or IMPS transfer.
2. Enter the beneficiary’s account number exactly as provided.
3. Enter the beneficiary name and account type (Savings/Current) if asked.
4. Enter the IFSC code: PUNB0MBGB06 for Bihar Gramin Bank, Gopalganj branch. You can copy-paste to avoid typos.
5. Enter the transfer amount and select the transfer type:
   • IMPS: immediate, generally up to ₹2,00,000 (bank limits vary).
   • NEFT: no minimum; batches settle, usually same-day depending on cut-off.
   • RTGS: for high-value transfers; minimum ₹2,00,000 (check your bank’s rule).
6. Verify beneficiary details shown by the bank (name, branch). If the name does not match, stop and confirm with the beneficiary.
7. Authorize the transaction using OTP or your bank’s authentication method.
8. Save transaction reference. If transfer fails, share that reference with the bank for tracing.

Benefits of Knowing the IFSC

• Ensures accurate routing of electronic payments to the correct branch.
• Prevents delays and transaction rejections caused by incorrect branch details.
• Required for setting up beneficiary accounts in netbanking and mobile apps.
• Useful for automatic payrolls, vendor payments and online purchases requiring NEFT/RTGS/IMPS.
• Helps bank staff trace and reconcile transactions faster using branch identifiers like MICR and branch code.

Contact

Branch Phone: 9297954515

Branch Address: Gopalganj, GOPALGANJ, 841428

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

Toll Free: 18001807777

FAQs

• Q: How do I confirm that PUNB0MBGB06 is correct for Gopalganj branch?
  A: Confirm the IFSC with the beneficiary or bank document. The branch record lists IFSC PUNB0MBGB06, MICR 800811002 and branch code 100515. Always verify before sending large amounts.
• Q: What is the difference between MICR and IFSC?
  A: IFSC routes electronic transfers (NEFT/RTGS/IMPS). MICR (Magnetic Ink Character Recognition) is a 9-digit code used mainly for cheque clearing. For electronic transfers use IFSC; for cheque processing, MICR is used.
• Q: My bank shows a different branch code than the IFSC last 6 characters. Is that normal?
  A: Yes. The IFSC last 6 characters are an alphanumeric branch identifier used by the payment system. Banks may also maintain a separate numeric branch code (here 100515). Both identify the same branch in different systems.
• Q: I used an old UBGB IFSC for a transfer. What happens now?
  A: Old UBGB IFSC codes have been revoked after the merger. If you used an old UBGB IFSC, the transaction will likely be rejected. Contact your bank with the transaction reference. Reinitiate the transfer using PUNB0MBGB06.
• Q: Are there limits or timings I should know for NEFT, RTGS and IMPS?
  A: Typical guidelines:
  • NEFT: No minimum; settled in hourly (or continuous) batches depending on the schedule.
  • RTGS: For high-value payments; banks usually enforce a minimum of ₹2,00,000. Real-time settlement.
  • IMPS: Immediate transfers, often with an upper limit around ₹2,00,000 (varies by bank/account type).

  Always confirm your bank’s exact cut-off times and limits before initiating a transfer.

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.