Kulharia branch of Bihar Gramin Bank is located in Kulharia village, Bhojpur district, Bihar (PIN 802160). This branch serves local residents and businesses in a rural area of Bhojpur. For electronic fund transfers — NEFT, RTGS and IMPS — you must provide the branch IFSC code. The IFSC uniquely identifies the bank and branch in payment systems and ensures funds reach the correct account without manual routing.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | KULHARIA |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 6870 |
| Branch Address | KULHARIA, Bhojpur, 802160, 7485096870 |
| Contact Number | 7485096870 |
| City | Bhojpur |
| District | Bhojpur |
| Reason | ARA |
| Pincode | 802160 |
| State | Bihar |
Merger Update
Bihar Gramin Bank branches that previously operated under Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB) have been consolidated. Both UBGB and DBGB IFSC series have been revoked. All transactions for these merged regional branches now use the single IFSC code PUNB0MBGB06 under Punjab National Bank. Use only this new IFSC for NEFT, RTGS and IMPS — old UBGB/DBGB IFSCs are no longer valid.
What is IFSC Code?
The IFSC (Indian Financial System Code) is an 11-character code that identifies a bank branch for electronic payments.
- First 4 characters: alphabetic bank code (for example, PUNB = Punjab National Bank).
- 5th character: reserved and is always 0 (zero).
- Last 6 characters: branch identifier. This can be alphanumeric and points to a specific branch — for example, MBGB06 in PUNB0MBGB06.
How to Use IFSC Code
Follow these steps when sending money using NEFT, RTGS or IMPS:
- Obtain the beneficiary’s bank name, branch name, account number and IFSC (here: PUNB0MBGB06).
- Open your bank’s online banking, mobile app or visit a branch transfer form.
- Select the transfer type: NEFT, RTGS or IMPS. (IMPS is instant; RTGS is for high-value settlement; NEFT is widely used for routine transfers.)
- Enter beneficiary details and paste the IFSC exactly as provided. IFSC is not case-sensitive but must match digits and letters.
- Verify the beneficiary name shown by your bank before confirming the transfer. A mismatch can indicate a wrong IFSC or account number.
- Confirm and authorize the payment using your bank’s OTP or password method.
- Keep the transaction reference number. Use it to track the transfer or to raise a dispute if funds do not arrive.
Benefits of Knowing the IFSC
- Ensures funds are routed to the correct branch and account.
- Saves time when using online and mobile banking forms.
- Reduces failed or returned transactions caused by incorrect routing.
- Required for receiving money from third parties, payroll, government payments and online services.
- Helps customer support trace a transaction faster using branch identifier.
Contact
Branch phone no: 7485096870
Branch address: KULHARIA, Bhojpur, 802160
Head office address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777
FAQs
Q: Is PUNB0MBGB06 the only valid IFSC for Kulharia branch?
A: Yes. After the merger and re-badging under Punjab National Bank, PUNB0MBGB06 is the valid IFSC for transactions. Old UBGB/DBGB IFSCs are revoked.
Q: What happens if I enter a wrong IFSC?
A: If the IFSC points to another valid branch, the transfer may go to a different account. If it’s invalid, the transfer will usually be rejected and the funds returned. Always double-check the IFSC and account number before sending money.
Q: Can I use this IFSC for inward RTGS, NEFT and IMPS?
A: Yes. Provide PUNB0MBGB06 to the payer when you expect funds via NEFT, RTGS or IMPS to your Kulharia Bihar Gramin Bank account.
Q: How can I verify the IFSC before making a transfer?
A: Verify the IFSC on a bank passbook, cheque leaf (if issued), the branch’s printed details, or by calling the branch number 7485096870 or the bank’s toll-free number 18001807777.
Q: Will the IFSC change again after mergers?
A: Banks may change IFSCs when systems are consolidated. If a change happens, the bank issues formal notice and provides the new IFSC. After a merger, only the notified IFSC should be used; old codes may be revoked.
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.