Bihar Gramin Bank Goradih IFSC Code

Bihar Gramin Bank Goradih IFSC Code: The Goradih branch is located in Goradih village, Bhagalpur district, Bihar (PIN 813210). This branch serves local retail and agricultural customers and handles inward and outward electronic fund transfers. For NEFT, RTGS and IMPS transfers you must use the correct IFSC. The IFSC identifies the bank and the exact branch so payments route correctly and reach the beneficiary account without delay or rejection.

Branch Details

Merger Update

Important: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged under Punjab National Bank (PNB). The Goradih branch now uses the single IFSC code PUNB0MBGB06 under Punjab National Bank. Old UBGB and DBGB IFSC codes have been revoked. For all NEFT/RTGS/IMPS transactions use only the new IFSC PUNB0MBGB06. Transfers attempted using retired IFSC codes may fail or be returned.

What is IFSC Code?

The Indian Financial System Code (IFSC) is an 11-character alphanumeric code. It routes electronic payments to the correct bank and branch.

• First 4 characters — bank identifier (example: PUNB = Punjab National Bank).
• 5th character — reserved and always 0 (zero).
• Last 6 characters — branch identifier (example: MBGB06 identifies this Goradih branch under the merged setup).

So in PUNB0MBGB06: PUNB = bank, 0 = reserved, MBGB06 = branch code.

How to Use IFSC Code for NEFT / RTGS / IMPS

• Open your bank’s netbanking or mobile app. Choose the fund transfer option (NEFT / RTGS / IMPS).
• Select the transfer type. IMPS is instant and available 24×7. NEFT can be used for any amount; RTGS is for higher-value transfers (use bank’s guidance on limits).
• Add a new beneficiary by entering: beneficiary name, account number, and the IFSC PUNB0MBGB06. You can optionally enter branch name (Goradih) for verification.
• Verify the beneficiary details shown by your bank before confirming. If the bank name or branch looks different, stop and confirm with the beneficiary.
• Complete the transfer by entering amount and your transaction authentication (OTP / password). Note any mandatory cooling period if your bank applies one to newly added beneficiaries.
• Retain transaction reference for tracking. Use the IFSC when making inward transfer requests so the remitter uses the correct routing code.

Benefits of Knowing the IFSC

• Ensures accurate routing of electronic payments to the exact branch.
• Reduces failed or returned transfers caused by incorrect branch identification.
• Speeds up reconciliation for businesses and quick credit for recipients.
• Makes it possible to add beneficiaries quickly in netbanking and mobile apps.
• Helps verify branch identity alongside MICR and branch code for cheque processing or inward remittances.

Contact

Branch Phone: 7061102702

Branch Address: Goradih, Bhagalpur, 813210, 7061102702

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

Toll Free: 18001807777

FAQs

• Q: Can I use an old UBGB IFSC code for transfers?
  A: No. Old UBGB and DBGB IFSC codes have been revoked after the merger. Use only PUNB0MBGB06 for this branch.
• Q: What if I enter the wrong IFSC?
  A: If the wrong IFSC points to another valid branch, funds may go to an unintended account and recovery can be slow. If the IFSC is invalid, the transfer will usually be rejected and returned. Contact your bank immediately if you suspect an error.
• Q: How fast are NEFT, RTGS and IMPS transfers?
  A: IMPS is immediate and available 24×7. NEFT is processed in hourly or half-hourly batches depending on bank schedules (most banks now process continuously). RTGS is meant for high-value immediate transfers during working hours. Check your bank for exact cut-off times.
• Q: Do I need MICR or branch code when transferring online?
  A: For online NEFT/RTGS/IMPS you only need account number and IFSC. MICR and branch code are useful for cheque processing and internal bank reconciliation.
• Q: How can I verify this IFSC before sending money?
  A: Confirm the IFSC with the beneficiary (their cheque leaf or passbook), or call the branch at 7061102702. If in doubt, use the bank’s customer service (toll free 18001807777) to confirm before initiating the 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.