The Bihar Gramin Bank, Kahalgaon branch is located in Kahalgaon town in Bhagalpur district, Bihar (PIN 813203). This branch serves retail customers, local businesses, and agricultural accounts in and around Kahalgaon. For electronic fund transfers — NEFT, RTGS and IMPS — the branch’s IFSC code is essential. The IFSC uniquely identifies the bank and branch in payment systems so money moves correctly and quickly.
Branch Details Table
| Bank Name | Bihar Gramin Bank |
| Branch Name | Kahalgaon |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 3615 |
| Branch Address | Kahalgaon, Bhagalpur, 813203, 8102918748 |
| Contact Number | 8102918748 |
| City | Bhagalpur |
| District | Bhagalpur |
| Reason | BHAGALPUR |
| Pincode | 813203 |
| State | Bihar |
Merger Update
Important: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged under the sponsor bank, Punjab National Bank. After the consolidation, the combined regional operations now use a single IFSC code: PUNB0MBGB06. Old IFSC codes that belonged to UBGB (and DBGB) have been revoked. For any NEFT, RTGS or IMPS transfer to Kahalgaon or any formerly UBGB/DBGB branch, use only PUNB0MBGB06. Transactions sent to revoked IFSCs will fail or be delayed.
What is IFSC Code?
The IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to identify bank branches in electronic payments. The structure is:
- First 4 characters – bank identifier (example: PUNB = Punjab National Bank).
- 5th character – always 0 (reserved for future use).
- Last 6 characters – branch identifier (example: MBGB06 identifies the specific branch within the bank).
Example breakdown: PUNB0MBGB06 = PUNB (bank) + 0 (reserved) + MBGB06 (branch).
How to Use IFSC Code
Follow these steps when making NEFT, RTGS or IMPS transfers to the Kahalgaon branch:
- Confirm beneficiary details: name, account number and IFSC PUNB0MBGB06.
- Log in to your bank’s netbanking, mobile app or visit a branch counter.
- Choose transfer type: IMPS (instant, 24×7), NEFT (24×7 settlement), or RTGS (high-value, usually ≥ ₹2,00,000; now 24×7).
- Add a new beneficiary using the Kahalgaon account number and IFSC. Complete any OTP or validation step required by your bank.
- Initiate a small test transfer (₹1–₹100) if it’s the first time. Confirm credit to the beneficiary account before sending the full amount.
- Keep the transfer reference or UTR number for tracking. If funds don’t arrive, provide UTR to the bank for investigation.
Benefits of Knowing the IFSC
- Ensures funds reach the correct branch and account without delays.
- Required field for NEFT, RTGS and IMPS transactions.
- Helps avoid failed transfers due to branch ambiguity.
- Useful for account verification when adding beneficiaries in digital banking.
- Makes it faster to reconcile and trace transactions using the UTR and branch IFSC.
Contact
Branch phone: 8102918748
Branch address: Kahalgaon, Bhagalpur, 813203
Head office address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free: 18001807777
FAQs
Q: Can I use any old UBGB IFSC for transfers to this branch?
A: No. Old UBGB (or DBGB) IFSC codes have been revoked after the merger. Use the new IFSC PUNB0MBGB06 for all electronic transfers.
Q: What is the MICR code and when do I need it?
A: MICR (Magnetic Ink Character Recognition) is a 9-digit code used mainly for cheque clearing. For Kahalgaon the MICR is 800811002. It is not required for NEFT/RTGS/IMPS transfers.
Q: What if I enter the wrong IFSC?
A: If the wrong IFSC points to a different valid branch, the transfer may go to that branch and you’ll need bank intermediation to recover funds. If the IFSC is invalid or revoked, the transaction will likely fail and the amount will be returned. Always verify the IFSC before sending money.
Q: Which transfer method should I use for urgent payments?
A: Use IMPS for instant, low- to mid-value transfers any time. RTGS handles large-value payments (commonly used for amounts ≥ ₹2,00,000) and is also available 24×7. NEFT is suitable for routine transfers; it works round the clock with immediate settlement.
Q: How can I verify the branch address and IFSC before transferring?
A: Verify the IFSC and branch address from the bank’s official communication, cheque book of the beneficiary, passbook entry, or by calling the branch at 8102918748 or the bank’s toll-free number 18001807777. Always cross-check account number and IFSC before authorizing large transfers.
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.