This branch is located in Kothi, Gaya, Bihar (PIN 805265). Use the IFSC code when sending or receiving electronic fund transfers such as NEFT, RTGS and IMPS. The IFSC tells the payment system and banks exactly which bank and branch should receive the funds, so entering it correctly avoids delays, recalls and failed transfers.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | KOTHI |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 7245 |
| Branch Address | KOTHI, Gaya, 805265, 9771464245 |
| Contact Number | 9771464245 |
| City | Gaya |
| District | Gaya |
| Reason | GAYA |
| Pincode | 805265 |
| State | Bihar |
Merger Update
Bihar Gramin Bank operates under the sponsorship of Punjab National Bank (PNB). Note: the two regional banks—Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB)—have been merged into a single entity. They now use the single IFSC code PUNB0MBGB06 under Punjab National Bank sponsorship. Old UBGB/DBGB IFSC codes have been revoked. For any NEFT/RTGS/IMPS transfer, use only the new IFSC code shown above.
What is IFSC Code?
The IFSC (Indian Financial System Code) is an 11-character alphanumeric identifier for bank branches used by electronic payment systems. Its structure is fixed:
- First 4 characters — bank identifier (example: PUNB = Punjab National Bank).
- 5th character — reserved and always 0 in standard IFSC codes.
- Last 6 characters — branch identifier (alphanumeric). For example, in PUNB0MBGB06, the last six characters are MBGB06, which point to the specific KOTHI branch.
The IFSC is used by NEFT, RTGS and IMPS to route electronic payments to the correct branch.
How to Use IFSC Code for NEFT, RTGS and IMPS
Follow these steps when making an interbank transfer:
- Open your bank’s netbanking, mobile banking app or visit the branch.
- Choose the transfer type: NEFT, RTGS or IMPS (IMPS is immediate and available 24/7 in most banks; NEFT/RTGS are also available round‑the‑clock through RBI’s 24×7 facility).
- Select “Add Beneficiary” or “New Payee.” Enter beneficiary name, full account number and the IFSC PUNB0MBGB06 for KOTHI branch.
- Save the beneficiary. Complete any OTP/authorization step required by your bank to activate the beneficiary. Activation times vary by bank—often immediate or within a few minutes to a few hours.
- Initiate the transfer. Keep the transaction reference for tracking or queries.
Practical notes:
- Double-check account number and IFSC before confirming. A correct IFSC routes the payment to the intended branch.
- If you enter the wrong IFSC but a valid account number, the transfer may fail or get routed incorrectly; contact your bank immediately if a mistake occurs.
- RTGS is intended for higher-value transactions; banks may set specific limits for RTGS. NEFT and IMPS cover a broad range of amounts.
Benefits of Knowing the IFSC
- Ensures funds reach the precise branch and account without delay.
- Required for adding beneficiaries in netbanking or mobile apps.
- Speeds up reconciliation and reduces return or recall cases.
- Helps customer service locate and track transactions using IFSC + account number.
- Useful for filling cheque deposit slips and bank forms where branch identification is required.
Contact
Branch phone: 9771464245
Branch Address: KOTHI, Gaya, 805265
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free: 18001807777
FAQs
Q: Where else can I find the IFSC for KOTHI branch?
A: The IFSC appears on your passbook, cheque leaf, account statement and bank-supplied beneficiary forms. You can also confirm it by calling the branch at 9771464245 or the bank’s toll-free number 18001807777.
Q: I have an old UBGB or DBGB IFSC. Can I still use it?
A: No. UBGB and DBGB IFSC codes have been revoked after the merger. Use the new IFSC PUNB0MBGB06 for all electronic transfers to this branch.
Q: What happens if I enter the wrong IFSC but correct account number?
A: If the IFSC points to a different bank/branch, the payment will either fail or, rarely, be routed to a wrong branch. Contact your bank immediately with the transaction reference. The bank will try recall or reversal procedures; success depends on clearing status and receiving bank cooperation.
Q: How long does a transfer to this IFSC take?
A: IMPS is generally instant. NEFT and RTGS are processed under RBI’s 24×7 system; many transfers complete within minutes, but some may take a few hours depending on bank processing and beneficiary activation status.
Q: What is the MICR code and why is it listed?
A: MICR (Magnetic Ink Character Recognition) code—here 800811002—is used primarily for cheque clearing and automated processing in the clearinghouse. It helps faster cheque settlement but is not required for electronic transfers (IFSC is used instead).
If you need confirmation for a specific transaction, keep the payment reference and contact the branch at 9771464245 or the bank’s toll-free line 18001807777.
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.