Bihar Gramin Bank KHAIRA IFSC Code

Bihar Gramin Bank KHAIRA is located in Khaira village, Bhojpur district, Bihar (Pincode 802208). This branch serves local residents and businesses for everyday banking needs. For electronic fund transfers such as NEFT, RTGS and IMPS you must use the correct IFSC code. The IFSC identifies the bank and the exact branch. Entering the wrong code can delay payment or route funds to the wrong branch, so always confirm the IFSC before you initiate a transfer.

Branch Details

Merger update

Important: Bihar Gramin Bank branches that were part of the earlier regional rural banks—Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB)—have been consolidated under Punjab National Bank (PNB). These merged branches now use the single IFSC code PUNB0MBGB06. Old UBGB and DBGB IFSC codes are revoked. For any NEFT/RTGS/IMPS transfer to this branch, use only PUNB0MBGB06. Transactions attempted with the old IFSC will fail or be returned.

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 is fixed:

• First 4 characters: Bank code (alphabetic). Example: PUNB = Punjab National Bank.
• 5th character: Always the digit 0 (reserved for future use).
• Last 6 characters: Branch identifier (alphanumeric). Example in this IFSC: MBGB06.

So PUNB0MBGB06 breaks down as PUNB (bank) + 0 + MBGB06 (branch).

How to use IFSC code for NEFT, RTGS, IMPS

1. Open your bank app or netbanking portal and choose the fund transfer option (NEFT / RTGS / IMPS).
2. Select “Add New Beneficiary” or “Add Payee”.
3. Enter the beneficiary’s name exactly as on their bank account.
4. Enter the beneficiary account number carefully. Even one incorrect digit can misroute funds.
5. Enter the IFSC code: PUNB0MBGB06. Verify it matches the branch name (KHAIRA, Bhojpur).
6. Provide branch name and any other required details (mobile number, purpose, etc.).
7. Save the beneficiary. Your bank may require a confirmation step (OTP or in-branch verification) before the payee is active.
8. Once the beneficiary is active, choose the transfer type (NEFT/RTGS/IMPS), enter amount and remarks, and authorize the payment using OTP or other authentication.
9. Keep the transaction reference number. Check the beneficiary account after the expected settlement time.

Notes: IMPS is instant and available 24×7. NEFT settlement is continuous nowadays but may have minor processing delays depending on banks. RTGS is intended for high-value transfers—check your bank for any minimum/maximum limits and charges.

Benefits of knowing the IFSC

• Ensures funds reach the correct branch and account without delay.
• Required information for adding beneficiaries in netbanking and mobile apps.
• Prevents failed transfers and associated reversal delays.
• Helps customer service confirm branch identity when resolving payment issues.
• Useful for non-face-to-face transactions such as online invoices, payroll, and supplier payments.

Contact

• Branch phone: 7070196996
• Branch address: KHAIRA, Bhojpur, 802208, 7070196996
• Head office address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll free no: 18001807777

FAQs

Q: Is PUNB0MBGB06 the only valid IFSC for KHAIRA branch?
A: Yes. After the merger under Punjab National Bank, PUNB0MBGB06 is the valid IFSC for transactions to this branch. Old regional IFSC codes are revoked.

Q: Where can I verify this IFSC before making a transfer?
A: Verify the IFSC on the cheque leaf, the branch passbook, or by calling the branch number 7070196996 or the bank toll-free number 18001807777. You can also confirm at the branch counter.

Q: What happens if I enter the wrong IFSC?
A: If the IFSC does not match the beneficiary account’s bank/branch, the transfer may fail or be returned. If the IFSC is valid but the account number is incorrect, funds may be credited to the wrong account and recovery becomes a manual process requiring the banks involved.

Q: Can the IFSC change again in future?
A: IFSC can change if the bank reassigns branch codes or there is another merger. If a change occurs, banks notify customers and update passbooks and official communications. Always confirm the IFSC before large or urgent transfers.

Q: Is IFSC case-sensitive?
A: No. IFSC codes are normally entered in uppercase, but most banking systems accept lowercase as well. It is best to copy the code exactly as provided: PUNB0MBGB06.

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.