Gorigamma is a locality in Muzaffarpur district, Bihar (PIN 842001). This article lists the Bihar Gramin Bank, Gorigamma branch details and explains why the IFSC code is essential for electronic fund transfers (NEFT, RTGS, IMPS). The IFSC uniquely identifies the bank and branch so money moves to the right account and reaches faster with fewer failures.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Gorigamma |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100108 |
| Branch Address | Gorigamma, MUZAFFARPUR, 842001, 9297955354 |
| Contact Number | 9297955354 |
| City | MUZAFFARPUR |
| District | MUZAFFARPUR |
| Reason | MUZAFFARPUR |
| Pincode | 842001 |
| State | Bihar |
Merger Update
Important: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been consolidated under Punjab National Bank (PNB). All former UBGB/DBGB IFSC codes have been revoked. The merged branches now use the single IFSC code PUNB0MBGB06 for electronic transfers. If you have an older UBGB/DBGB IFSC saved, update it before initiating NEFT/RTGS/IMPS — only the new IFSC is valid.
What is IFSC Code?
The Indian Financial System Code (IFSC) is an 11-character alpha-numeric code used to identify bank branches in electronic payments. The structure is:
- First 4 characters — bank code (example: PUNB for Punjab National Bank).
- 5th character — reserved and is always 0.
- Last 6 characters — branch identifier (example: MBGB06 identifies the specific branch).
So, in PUNB0MBGB06, PUNB = bank, 0 = reserved, MBGB06 = branch code.
How to Use IFSC Code
Follow these steps when sending or receiving money via NEFT, RTGS or IMPS:
- Open your bank’s fund transfer option (internet banking, mobile app or visit the branch).
- Choose the transfer type: NEFT, RTGS or IMPS. (Use RTGS for high-value urgent transfers; NEFT for normal value; IMPS for instant 24×7 small-value transfers.)
- Enter beneficiary name and bank account number exactly as given by the recipient.
- Enter the IFSC code PUNB0MBGB06 for Bihar Gramin Bank, Gorigamma branch.
- Verify the bank and branch name shown by your bank’s confirmation screen. If the bank/branch mismatch appears, stop and re-check details.
- Confirm amount and purpose, authorize the transfer with your authentication method (OTP, token, password).
- Save the transaction reference and share confirmation with the beneficiary if needed.
Benefits of Knowing the IFSC
- Ensures funds route to the correct branch and account, reducing failed transfers.
- Required for NEFT, RTGS and IMPS — you cannot complete electronic transfers without it.
- Speeds up reconciliation when you receive payments (vendors, salaries, refunds).
- Helps validate beneficiary details before sending money; banks display branch details for cross-checking.
- Useful for setting up electronic instructions like ECS, standing instructions, or autopay mandates.
Contact
Branch phone no: 9297955354
Branch Address: Gorigamma, MUZAFFARPUR, 842001
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777
FAQs
Q: Can I use the old UBGB or DBGB IFSC for transfers?
A: No. All old UBGB/DBGB IFSC codes have been revoked after the merger. Use the new IFSC PUNB0MBGB06 for valid transactions.
Q: Where else can I find the IFSC for my branch?
A: The IFSC appears on cheque leaves, account passbooks, bank statements and the bank’s official communications. Always confirm with the branch if unsure.
Q: What is the difference between IFSC and MICR?
A: IFSC is used for electronic transfers (NEFT/RTGS/IMPS). MICR (Magnetic Ink Character Recognition) code, like 800811002, is used mainly for clearing physical cheques at clearinghouses.
Q: What happens if I enter a wrong IFSC?
A: If the IFSC does not match the account number format, the transfer may be rejected. If it matches but points to a different branch/account, funds could go to the wrong beneficiary. Always verify bank/branch name shown by your bank before confirming.
Q: How long do NEFT/RTGS/IMPS transfers take?
A: IMPS is immediate (seconds). RTGS is typically immediate for high-value transfers during operating hours. NEFT settles in hourly or half-hourly batches (timing depends on the bank). After the merger, use the new IFSC — settlement times remain the same.
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.