Bihar Gramin Bank Kesariya IFSC Code

The Bihar Gramin Bank branch at Kesariya is located in Kesariya town, East Champaran district, Bihar — PIN 845424. This branch serves local residents, small traders and farmers in the surrounding rural area. For electronic fund transfers you must use the correct IFSC. The IFSC identifies the bank and the exact branch for NEFT, RTGS and IMPS transfers. A wrong or revoked IFSC can delay or block payments.

Branch Details

Merger Update

Important: The Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged under Punjab National Bank’s sponsor arrangement. These regional banks now use a single IFSC for their sponsored branches. The Kesariya branch uses IFSC PUNB0MBGB06 under Punjab National Bank. Any old UBGB IFSC codes are revoked and should not be used. Use only the new IFSC PUNB0MBGB06 for NEFT, RTGS and IMPS to avoid failed or returned transactions.

What is IFSC Code?

IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code used to identify bank branches for electronic transfers.

• First 4 characters: Bank identifier (example: PUNB = Punjab National Bank).
• 5th character: Reserved and is always ‘0’ (zero).
• Last 6 characters: Branch identifier (example: MBGB06 identifies this specific sponsored branch/arrangement).

Example breakdown for this branch: PUNB | 0 | MBGB06.

How to Use IFSC Code

1. Open your bank’s netbanking or mobile banking app and go to the funds transfer section.
2. Choose transfer type: NEFT, RTGS or IMPS. (IMPS is immediate for small amounts; RTGS is for high-value real-time; NEFT batches through the day.)
3. Enter recipient name, account number and IFSC PUNB0MBGB06 for Kesariya branch.
4. Verify account details shown by the app (bank and branch name) before confirming.
5. Enter amount and purpose. Authenticate using OTP or transaction PIN as required.
6. Keep transaction reference and check beneficiary account for credit. If transfer fails, contact your bank quoting the reference and IFSC used.

Benefits of Knowing the IFSC

• Ensures funds reach the exact branch and account without manual routing.
• Speeds up electronic transfers: NEFT, RTGS and IMPS require IFSC.
• Prevents returns or delay caused by incorrect branch routing.
• Makes bulk or recurring payments automatable in payroll or vendor systems.
• Useful when verifying beneficiary details before large transfers.

Contact

Branch phone no: 9297954655

Branch Address: Kesariya, EAST CHAMPARAN, 845424

Head office address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR

Toll free no: 18001807777

FAQs

• Q: Can I use any old UBGB IFSC for transfers to this branch?

  A: No. Old UBGB IFSC codes have been revoked after the merger. Use only PUNB0MBGB06 for transfers to the Kesariya branch.

• Q: Which transfer modes accept IFSC?

  A: NEFT, RTGS and IMPS all require the IFSC. IMPS is immediate and available 24×7, NEFT runs in hourly batches (timings depend on the bank), and RTGS is for large-value real-time transfers.

• Q: What happens if I enter a wrong IFSC?

  A: If the IFSC does not match the account number, the transfer may be returned or rejected. Some systems detect mismatches and prompt you to correct them. Always verify the beneficiary details shown before confirming.

• Q: Is IFSC case-sensitive?

  A: No. IFSC is alphanumeric but not case-sensitive. Still, enter it as provided: PUNB0MBGB06.

• Q: How long does a NEFT/RTGS/IMPS transfer to this branch take?

  A: IMPS is immediate (seconds to minutes). RTGS is real-time for high-value transactions (minutes). NEFT is processed in scheduled batches and can take from a few minutes up to several hours depending on the batch timing and bank cutoff times.

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.