CHAUGAIN is a rural branch in Buxar district of Bihar. It serves local farmers, small businesses and residents for deposits, withdrawals and local credit. When you send money to or from this branch using NEFT, RTGS or IMPS you must use the correct IFSC code. The IFSC ensures the transfer reaches the right bank and branch without delay.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | CHAUGAIN |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 7026 |
| Branch Address | CHAUGAIN, Buxar, 802115, 9771464026 |
| Contact Number | 9771464026 |
| City | Buxar |
| District | Buxar |
| Reason | BHABHUA |
| Pincode | 802115 |
| State | Bihar |
Merger Update
Note: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged into a unified structure under Punjab National Bank. All legacy UBGB and DBGB IFSC codes have been revoked. The single valid IFSC for the merged rural bank branches is PUNB0MBGB06. Use this IFSC for all NEFT, RTGS and IMPS transfers to CHAUGAIN branch. Transactions using old UBGB or DBGB IFSCs will fail.
What is IFSC Code?
The IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to identify bank branches in electronic fund transfers. Its structure is fixed:
- First 4 characters: Bank identifier (letters). Example: PUNB = Punjab National Bank.
- 5th character: Reserved and is always 0.
- Last 6 characters: Branch identifier (alphanumeric). Example: in PUNB0MBGB06, the last six characters MBGB06 identify the CHAUGAIN branch.
How to Use IFSC Code
Use the IFSC when you set up an electronic transfer from internet banking, mobile banking or at a bank branch. Steps:
- Open the payment screen for NEFT, RTGS or IMPS in your bank app or netbanking portal.
- Enter beneficiary name as provided by the recipient. Match spellings exactly.
- Enter the beneficiary account number. Double-check digits.
- Enter the IFSC: PUNB0MBGB06. Use uppercase letters. Even small typos can misroute or reject the payment.
- Confirm the branch name (CHAUGAIN, Buxar) and account type if prompted.
- Enter amount and purpose. Review service charges and expected settlement timing.
- Authenticate the transfer (OTP, token or netbanking credentials).
- Save or note the transaction reference for tracking and reconciliation.
Tips: For NEFT check your bank’s batch timings. For RTGS confirm if your bank requires a minimum amount (many banks commonly set around Rs. 2,00,000 but policies vary). IMPS is typically instant and available 24×7 within bank-set limits. When in doubt, confirm limits and cut-offs with the sending bank.
Benefits of Knowing the IFSC
- Ensures funds reach the exact branch and account without manual intervention.
- Reduces failed transfers and associated delays.
- Needed for digital payment methods: NEFT, RTGS and IMPS.
- Useful for payroll, vendor payments and online collections.
- Helps confirm branch identity when banks merge or change codes.
Contact
Branch Phone: 9771464026
Branch Address: CHAUGAIN, Buxar, 802115
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll Free: 18001807777
FAQs
Q: What IFSC should I use for CHAUGAIN branch transactions?
A: Use PUNB0MBGB06. This is the current and valid IFSC for CHAUGAIN branch under Punjab National Bank.
Q: Can I use an old UBGB or DBGB IFSC for a transfer?
A: No. Old UBGB and DBGB IFSC codes have been revoked after the merger. Only PUNB0MBGB06 is valid now. Transfers with old codes will be rejected or fail.
Q: Is IFSC case-sensitive?
A: Banks usually require IFSC in uppercase. Entering lowercase may still work in some apps, but use uppercase to avoid errors.
Q: How do I verify the beneficiary details before sending money?
A: Verify beneficiary name, account number, IFSC and branch name with the recipient. For high-value transfers, call the branch or beneficiary to confirm and keep a written confirmation.
Q: What if I enter a wrong IFSC but correct account number?
A: If the IFSC points to a different branch but the account number exists there, the payment may route incorrectly and fail or be delayed. If the IFSC and account number do not match any branch, the transfer will be rejected. Always double-check both.
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.