Bihar Gramin Bank GULABGANJ IFSC Code

Gulabganj branch of Bihar Gramin Bank is located in Jehanabad district, Bihar (Pincode 804425). This branch handles local retail and rural banking needs. For electronic transfers—NEFT, RTGS, IMPS—you must use the correct IFSC code so funds route to the right bank and branch. A wrong or outdated IFSC can delay transfers, cause returns, or require manual intervention.

Branch Details

Merger Update

Bihar Gramin Bank includes branches that were earlier part of Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). Both UBGB and DBGB have been merged under the sponsor bank, Punjab National Bank. After the merger, the consolidated branches now use the single IFSC code PUNB0MBGB06 for electronic transactions. Old UBGB IFSC codes have been revoked; only the new IFSC is valid for NEFT, RTGS and IMPS.

What is an IFSC Code?

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to identify bank branches in electronic payments. The structure is fixed:

• First 4 characters: Bank identifier (example: PUNB = Punjab National Bank).
• 5th character: Always 0 (reserved for future use).
• Last 6 characters: Branch identifier (alphanumeric), unique to each branch. In PUNB0MBGB06, the last six characters MBGB06 identify the Gulabganj branch under the combined Bihar Gramin Bank setup.

How to Use IFSC Code for NEFT, RTGS, IMPS

Follow these steps when sending or receiving money:

• Open your bank’s internet banking or mobile app, or visit the branch.
• Choose the transfer type: NEFT, RTGS or IMPS. (RTGS is used for high-value transfers; IMPS is immediate 24×7; NEFT is batch-based but available widely.)
• Add a beneficiary: enter beneficiary name, bank account number, and the IFSC code PUNB0MBGB06 for Gulabganj branch.
• Verify beneficiary details and save (many banks require OTP verification).
• Initiate the transfer with the amount and purpose. Confirm transaction and retain the transaction reference or UTR number.
• For inward transfers, provide the sender with the exact IFSC and account number. Ask the sender to confirm the IFSC in their bank’s beneficiary form before initiating the transfer.

Benefits of Knowing the IFSC

• Ensures funds route directly to the correct branch and account.
• Prevents delays and returns caused by incorrect branch identification.
• Required to add beneficiaries for NEFT, RTGS and IMPS in internet banking and mobile apps.
• Helps customer service locate the branch quickly when tracking transactions (useful with the MICR and branch code too).
• Useful for corporate payments, vendor settlements and receiving government disbursements tied to a specific branch.

Contact

Branch Phone No: 7781004461

Branch Address: GULABGANJ, Jehanabad, 804425

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

Toll Free No: 18001807777

FAQs

• Q: How do I confirm the IFSC before sending money?
  A: Confirm the IFSC printed on your passbook, cheque leaf (if provided), or directly from the branch. Use PUNB0MBGB06 for Gulabganj branch. If in doubt, call the branch at 7781004461.
• Q: Can I transfer money if I only know the branch address but not the IFSC?
  A: You need the IFSC to add a beneficiary in most digital channels. Visit the branch or call the branch to get the exact IFSC before initiating a transfer.
• Q: What happens if an old UBGB IFSC is used for a transfer?
  A: Old UBGB IFSC codes have been revoked after the merger. Transactions using revoked IFSCs will likely fail or be returned. Use the new code PUNB0MBGB06.
• Q: Is MICR the same as IFSC?
  A: No. MICR (Magnetic Ink Character Recognition) is a 9-digit code used for cheque clearing and is printed on cheques. IFSC is used for electronic transfers. For Gulabganj, the MICR is 800811002.
• Q: Can I use IFSC for inward and outward transactions across all banks?
  A: Yes. IFSC is the standard code used by all banks in India for interbank electronic funds transfers (NEFT, RTGS, IMPS). Ensure the IFSC corresponds to the beneficiary branch.

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.