The Bihar Gramin Bank branch at Kinjar serves residents of Kinjar village and surrounding areas in Arwal district, Bihar (PIN 804419). For anyone sending or receiving bank transfers — NEFT, RTGS or IMPS — the branch IFSC is essential. The IFSC identifies the bank and specific branch in electronic payment systems so funds route correctly and transfers settle faster with fewer errors.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | KINJAR |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 7112 |
| Branch Address | KINJAR, Arwal, 804419, 9771464112 |
| Contact Number | 9771464112 |
| City | Arwal |
| District | Arwal |
| Reason | AURANGABAD |
| Pincode | 804419 |
| State | Bihar |
Merger Update
Important: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged into a single entity under Punjab National Bank for electronic payments. After the merger these branches now use the IFSC PUNB0MBGB06 (the PUNB prefix denotes Punjab National Bank). All old UBGB and DBGB IFSC codes have been revoked. For any NEFT/RTGS/IMPS transfers to Kinjar branch, use only the new IFSC PUNB0MBGB06. Transactions attempted with old UBGB IFSC codes will fail or be returned.
What is IFSC Code?
The IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to route electronic transactions to a specific bank branch. The structure is:
- First 4 characters: Bank code (letters). Example: PUNB = Punjab National Bank.
- 5th character: Reserved and is always 0.
- Last 6 characters: Branch identifier (letters and/or numbers). Example: MBGB06 in PUNB0MBGB06 identifies the Kinjar/merged branch unit.
How to Use IFSC Code for NEFT, RTGS, IMPS
- Step 1 — Verify details: Confirm beneficiary name, account number, bank name and IFSC (PUNB0MBGB06 for Kinjar) before adding beneficiary.
- Step 2 — Add beneficiary: In internet banking or mobile banking, choose “Add Beneficiary” and enter account number and IFSC. Save after any required OTP/validation.
- Step 3 — Choose transfer method:
- NEFT: No minimum limit. Available 24×7. Best for regular transfers; settlements are near real time but may take a short while if banks process queues.
- RTGS: For high-value transfers (typically ₹2,00,000 and above). Immediate real-time gross settlement.
- IMPS: Instant 24×7 interbank transfer for smaller amounts. Uses IFSC + account number for account-to-account IMPS.
- Step 4 — Complete transfer: Enter amount, remarks, and authorize with OTP or transaction password. Note the transaction reference for tracking.
- Step 5 — Confirm receipt: Ask beneficiary to check account credits and share the transaction reference. If funds do not arrive in the expected window, contact sending bank with the reference and IFSC details.
Benefits of Knowing the IFSC
- Accurate routing: Ensures funds go to the correct bank branch and account.
- Faster settlement: Supports near-instant transfers (IMPS) or immediate RTGS credits.
- Error reduction: Reduces failed or returned transfers caused by wrong branch identification.
- Required for online transfers: Most banks require IFSC when adding beneficiaries for NEFT/RTGS/IMPS.
- Useful for reconciliation: The IFSC helps bank staff and businesses match incoming payments to branches.
Contact
Branch phone no: 9771464112
Branch Address: KINJAR, Arwal, 804419
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777
FAQs
Q: Can I use PUNB0MBGB06 for all transfers to Kinjar branch?
Yes. Use PUNB0MBGB06 for NEFT, RTGS and IMPS transfers to the Kinjar branch. Old UBGB/DBGB IFSCs have been revoked after the merger.
Q: What happens if I enter the wrong IFSC?
If the IFSC points to another branch, funds may be credited to the wrong branch account (if account number matches) or the transaction may fail. Contact your bank immediately with the transaction reference to trace or reverse the payment.
Q: Is IFSC case-sensitive?
No. IFSC is not case-sensitive, but always enter it exactly as printed (letters and numbers) to avoid human errors.
Q: How does IFSC differ from MICR?
IFSC routes electronic payments (NEFT/RTGS/IMPS). MICR (Magnetic Ink Character Recognition) is a 9-digit code used for cheque processing and clearing. Both identify branches but serve different systems.
Q: I have an old UBGB IFSC. What should I do?
Stop using the old IFSC. Update any saved beneficiary or payment instruction with the new IFSC PUNB0MBGB06. If a payment was sent using an old IFSC and didn’t reach the beneficiary, contact your bank with the transaction reference to initiate tracing and resolution.
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.