Kuari branch is located in Kuari village, Araria district, Bihar — PIN 854332. This branch serves local residents and businesses for deposits, withdrawals and remittances. For electronic fund transfers using NEFT, RTGS or IMPS you must supply the correct IFSC code. The IFSC uniquely identifies the bank and branch so the payment routes to the right account. A wrong or revoked IFSC can delay or return a transfer.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Kuari |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100722 |
| Branch Address | Kuari, ARARIA, 854332, 9297954374 |
| Contact Number | 9297954374 |
| City | ARARIA |
| District | ARARIA |
| Reason | ARARIA |
| Pincode | 854332 |
| State | Bihar |
Merger Update
Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) were merged under the sponsor bank, Punjab National Bank (PNB). After consolidation, both former banks now operate under a single IFSC code: PUNB0MBGB06. Old UBGB and DBGB IFSC codes have been revoked. For any NEFT/RTGS/IMPS transfers to branches that previously used UBGB or DBGB codes, use only the new IFSC PUNB0MBGB06. Sending funds using an old (revoked) IFSC will result in a failed or returned transaction.
What is IFSC Code?
IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code used to identify bank branches for electronic payments. The structure is:
- First 4 characters: bank identifier (example: PUNB = Punjab National Bank)
- 5th character: reserved and always 0
- Last 6 characters: branch identifier (alphanumeric). This maps to a specific branch location.
Example: PUNB0MBGB06 breaks down as PUNB (bank) + 0 (reserved) + MBGB06 (branch identifier assigned under the sponsor bank). The numeric branch code (for example 100722) is a separate internal code and does not always match the last six IFSC characters.
How to Use IFSC Code (NEFT, RTGS, IMPS)
- Collect details: beneficiary name, account number, and IFSC (PUNB0MBGB06 for Kuari branch).
- Login to bank app/netbanking: go to “Add Beneficiary” or “Manage Payees.”
- Enter beneficiary details: name, account number, confirm account number, and IFSC code exactly as shown.
- Verify: most systems will display the branch name after you enter IFSC. Confirm it shows Kuari / ARARIA or equivalent.
- Choose transfer type: IMPS for instant small-value transfers (24×7), NEFT for routine transfers (available 24×7 in most banks), RTGS for large-value transfers (real-time gross settlement). Check your bank’s RTGS limits; some banks still impose minimums or charges.
- Confirm transfer: review beneficiary, amount, and charges. Authenticate using OTP/Token.
- Keep receipt: note UTR/reference number for tracking. If transaction fails, use UTR when contacting the bank.
Benefits of Knowing the IFSC
- Ensures funds reach the correct branch and account faster.
- Required to add beneficiaries in internet banking and mobile apps.
- Prevents returns and delays caused by wrong branch codes.
- Helps customer service trace and reconcile transfers using the UTR and IFSC.
- Useful when filling forms for inward remittances or automated payments.
Contact
Branch phone no: 9297954374
Branch Address: Kuari, ARARIA, 854332
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777
FAQs
Q: How can I confirm this IFSC before I transfer?
A: Verify on the bank’s printed cheque leaf, passbook, or call the branch at 9297954374. After the UBGB/DBGB merger, confirm that your branch displays IFSC PUNB0MBGB06.
Q: What happens if I enter the wrong IFSC?
A: If the IFSC points to an existing bank branch but a different account number, funds may go to the wrong account and recovery will require the recipient bank’s cooperation. If the IFSC is invalid or revoked, the transaction will usually fail and be returned.
Q: Why does the IFSC start with PUNB if the bank name is Bihar Gramin Bank?
A: After consolidation, the sponsor bank is Punjab National Bank. The IFSC prefix PUNB identifies PNB as the sponsor. The remaining characters map the specific sponsored regional branch (Kuari).
Q: Can IFSC codes change after bank mergers?
A: Yes. During mergers banks reassign IFSCs and revoke old ones. Always confirm the current IFSC (PUNB0MBGB06 for this branch) before making a transfer.
Q: Is IFSC needed for UPI transactions?
A: UPI payments typically use a VPA (virtual payment address) and do not require IFSC. However, when linking a bank account manually in some apps you may need account number and IFSC to verify the account.
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.