The Guthani branch of Bihar Gramin Bank is located in Guthani town, Siwan district, Bihar (PIN 841235). For anyone sending or receiving money to this branch, the IFSC code is essential. Banks use the IFSC code to route electronic transfers—NEFT, RTGS and IMPS—accurately to the correct bank and branch. Entering the right IFSC avoids delays, failed transactions and returns.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Guthani |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100635 |
| Branch Address | Guthani, SIWAN, 841235, 9297954437 |
| Contact Number | 9297954437 |
| City | SIWAN |
| District | SIWAN |
| Reason | SIWAN |
| Pincode | 841235 |
| State | Bihar |
Merger update
Important: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged under Punjab National Bank. All former UBGB and DBGB IFSC codes have been revoked. The merged branches now use the single IFSC code PUNB0MBGB06 for electronic transactions. Use only this IFSC for NEFT, RTGS and IMPS to Guthani branch. Old IFSC entries will cause failures or returns.
What is IFSC Code?
The IFSC (Indian Financial System Code) is an 11-character alphanumeric code that uniquely identifies a bank branch for electronic payments. Its structure:
- First 4 characters — bank identifier (alphabetic). Example: PUNB = Punjab National Bank.
- 5th character — always the digit 0 (reserved).
- Last 6 characters — branch identifier (alphanumeric). Example: in PUNB0MBGB06 the branch part is MBGB06.
The IFSC is case-insensitive but must be entered precisely when adding a beneficiary.
How to use IFSC code for NEFT, RTGS and IMPS
- Open your bank’s netbanking or mobile banking app and choose “Funds Transfer” or “Add Beneficiary”.
- Enter beneficiary name, account number and the IFSC: PUNB0MBGB06. Also add the branch if prompted.
- Verify the account number and IFSC. Submit beneficiary addition and complete any OTP/authorization steps required by your bank.
- For NEFT: select NEFT and enter amount. NEFT has no minimum. NEFT is available 24×7 through the RBI’s systems.
- For RTGS: select RTGS for high-value transfers. RTGS is typically used for transactions above ₹2,00,000 (bank limits may vary). RTGS is available round-the-clock.
- For IMPS: choose IMPS for instant transfers from mobile banking. IMPS limits are set by your bank (usually lower than RTGS), and transfers are immediate.
- Confirm details and complete OTP/transaction PIN. Note the reference number and check beneficiary account for credit.
Benefits of knowing the IFSC
- Ensures electronic funds reach the exact branch and account without manual routing.
- Prevents failed transactions and bank charges for returns.
- Required when adding beneficiaries in netbanking, mobile apps or when filling payment forms.
- Useful for inward remittances and salary credits where branch mapping is necessary.
- Helps customer service quickly identify the receiving branch (by IFSC and MICR).
Contact
Branch phone no: 9297954437
Branch Address: Guthani, SIWAN, 841235
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777
FAQs
- Q: Can I use an old UBGB or DBGB IFSC to transfer funds to Guthani?
A: No. After the merger under Punjab National Bank, old UBGB/DBGB IFSC codes were revoked. Use PUNB0MBGB06 only.
- Q: Where can I find the IFSC and MICR on my cheque or passbook?
A: The IFSC is usually printed on the cheque leaf near the top right or in the passbook beneficiary details. The MICR (a 9-digit numeric code, here 800811002) is printed at the bottom of the cheque near the account number and used for cheque clearing.
- Q: What happens if I enter the wrong IFSC?
A: If the IFSC does not match the beneficiary bank details, most banks will reject the transaction and return the funds. In rare cases where an incorrect IFSC points to a valid but different branch, reconciliation is needed. To avoid problems, double-check both account number and IFSC before confirming.
- Q: Are NEFT, RTGS and IMPS available at all hours for this branch?
A: NEFT, RTGS and IMPS are available 24×7 across banks through RBI-enabled systems. However, your bank may have its own maintenance windows. Check with your remitting bank for any temporary service interruptions.
- Q: Can I receive international inward transfers using the IFSC?
A: For international remittances, banks typically use SWIFT/BIC codes along with beneficiary account details. IFSC helps for inward domestic routing, but ask your bank for exact instruction for foreign inward transfers to Guthani branch.
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.