The Bihar Gramin Bank branch at CHAKKI is located in Buxar district, Bihar (PIN 802021). This branch serves retail and rural customers in and around Chakki and Buxar. For electronic fund transfers—NEFT, RTGS and IMPS—you must use the correct IFSC code to route payments to this branch quickly and safely. An incorrect IFSC can delay or misroute a transfer, so always verify before initiating payments.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | CHAKKI |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 7454 |
| Branch Address | CHAKKI, Buxar, 802021, 7781004454 |
| Contact Number | 7781004454 |
| City | Buxar |
| District | Buxar |
| Reason | BHABHUA |
| Pincode | 802021 |
| State | Bihar |
Merger Update
If this branch originally belonged to Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB): Both regional rural banks were consolidated and now operate under a single IFSC code issued through Punjab National Bank for electronic transactions. The valid IFSC for CHAKKI branch for NEFT/RTGS/IMPS is PUNB0MBGB06. Old UBGB and DBGB IFSC codes have been revoked. Use only the new IFSC code for transfers to avoid failures or delays.
What is IFSC Code?
The IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to identify banks and their branches in electronic payment systems.
- Structure: First 4 characters = bank identifier. Fifth character = 0 (reserved). Last 6 characters = branch identifier.
- Example: For PUNB0MBGB06: PUNB = Punjab National Bank, 0 = reserved digit, MBGB06 = branch code portion used for routing.
- Purpose: Used by NEFT, RTGS and IMPS to route payments to the exact branch and account.
How to Use IFSC Code (NEFT / RTGS / IMPS)
- Open your bank app, netbanking portal or payment app (example: your bank’s mobile app).
- Choose the transfer type: NEFT, RTGS or IMPS. (IMPS is instant and available 24×7; NEFT and RTGS are also now available round-the-clock but check bank cut-offs for same-day processing.)
- Enter beneficiary name and account number exactly as provided by the recipient.
- Enter the IFSC code: PUNB0MBGB06 for Bihar Gramin Bank CHAKKI branch.
- Verify the bank and branch shown by the app after entering IFSC and account number. Confirm before authorizing.
- Enter amount and reason/payment details, then authenticate (OTP, token or netbanking password).
- Save beneficiary details for future transfers, but re-verify IFSC if you are unsure or if the bank has undergone scheme changes.
Benefits of Knowing the IFSC
- Ensures funds are routed to the correct branch and account.
- Prevents transfer failures and reduces delay for refunds or trace requests.
- Required for online inward credits like salary, government payments, and vendor receipts.
- Makes beneficiary setup faster in netbanking or mobile apps.
- Helps customer service and bank staff troubleshoot payment issues (provide IFSC and MICR when asked).
Contact
Branch Phone: 7781004454
Branch Address: CHAKKI, Buxar, 802021
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll Free: 18001807777
FAQs
Q: Can I use this IFSC (PUNB0MBGB06) for all electronic transfers to CHAKKI branch?
A: Yes. Use PUNB0MBGB06 for NEFT, RTGS and IMPS transfers to accounts at the CHAKKI branch. Do not use any old UBGB/DBGB IFSCs if you see them; they have been revoked.
Q: What is the difference between IFSC and MICR?
A: IFSC identifies a bank branch for electronic transfers. MICR (Magnetic Ink Character Recognition) is a 9-digit code used mainly for cheque processing and clearing through the clearinghouse.
Q: What happens if I enter a wrong IFSC but correct account number?
A: If the wrong IFSC does not match the account number, the transaction may fail or be routed to an incorrect branch. Most systems cross-check IFSC and account number; if they mismatch, the transfer is usually rejected. Always verify both.
Q: Are NEFT, RTGS and IMPS available 24×7 for this branch?
A: IMPS is available 24×7. NEFT and RTGS are offered round-the-clock by the banking system, but banks may have internal cut-offs or settlement windows for some processes. Check with the branch or bank app for any bank-specific timing rules.
Q: Where can I verify the IFSC before sending money?
A: Verify the IFSC on a cheque leaf of the beneficiary, the bank passbook, the branch noticeboard, or by calling the branch at 7781004454. You can also confirm from the bank’s official customer service (toll-free 18001807777) or the branch head office address provided above.
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.