The Bihar Gramin Bank KURWA branch is located in Kurwa, Gaya district, Bihar (pin code 824233). This branch handles deposits, withdrawals, and electronic fund transfers for local customers and businesses. For sending or receiving money via NEFT, RTGS or IMPS, the branch IFSC code is essential. The IFSC uniquely identifies the bank and branch in electronic payment systems. Entering the correct IFSC ensures funds route to the right account and avoids delays or returns.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | KURWA |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 7247 |
| Branch Address | KURWA, Gaya, 824233, 9771464247 |
| Contact Number | 9771464247 |
| City | Gaya |
| District | Gaya |
| Reason | GAYA |
| Pincode | 824233 |
| State | Bihar |
Merger Update
Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been consolidated under Punjab National Bank for electronic clearing. Both banks now use the single IFSC PUNB0MBGB06 for electronic transfers. All old UBGB and DBGB IFSC codes have been revoked. For any NEFT, RTGS or IMPS transfer to branches formerly under UBGB or DBGB, use the new IFSC PUNB0MBGB06. Transactions attempted with revoked IFSCs will be returned or delayed.
What is an IFSC Code?
The Indian Financial System Code (IFSC) is an 11-character alphanumeric code used to route electronic payments. Its structure is fixed:
- First 4 characters — alphabetic bank identifier. Example: PUNB = Punjab National Bank.
- 5th character — reserved and is always 0 (zero).
- Last 6 characters — branch identifier (alphanumeric). Example: MBGB06 in PUNB0MBGB06.
So, for PUNB0MBGB06: PUNB identifies Punjab National Bank, 0 is the fixed fifth character, and MBGB06 identifies the specific branch (KURWA in this case).
How to Use IFSC Code for NEFT, RTGS and IMPS
Follow these steps when sending money to Bihar Gramin Bank KURWA (IFSC PUNB0MBGB06):
- Open your bank’s internet banking, mobile app or visit a branch counter.
- Choose the transfer type: NEFT, RTGS or IMPS. (RTGS is for high-value transfers; IMPS is instant mobile transfers.)
- Add a beneficiary if required. Enter beneficiary name exactly as on the account, account number, and IFSC PUNB0MBGB06.
- Verify the branch name shown after entering the IFSC. It should show Bihar Gramin Bank / KURWA or Punjab National Bank mapping to MBGB06.
- Enter the amount and any required transaction details.
- Confirm the transfer. Authenticate with OTP or banking credentials as prompted.
- Keep the transaction reference/UTR for tracking. Use it to follow up if the receiving account does not get credited.
Note: NEFT, RTGS and IMPS systems are managed by the Reserve Bank of India and are generally available round-the-clock. Check with your bank for any scheduled maintenance windows or cut-off rules that may affect settlement timings.
Benefits of Knowing the IFSC
- Accurate routing: Ensures funds are sent to the correct branch and account.
- Faster settlement: Proper IFSC speeds up reconciliation and reduces returns.
- Safer transactions: Prevents misrouting and reduces manual intervention.
- Essential for online banking: Needed when adding beneficiaries for NEFT/RTGS/IMPS.
- Useful for cheque processing: MICR and branch code help back-office clearing operations.
Contact
Branch Phone: 9771464247
Branch Address: KURWA, Gaya, 824233
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll Free: 18001807777
FAQs
Q: Is PUNB0MBGB06 the correct IFSC to use for KURWA branch transfers?
Yes. Use PUNB0MBGB06 for all electronic transfers (NEFT, RTGS, IMPS) to the KURWA branch. Old IFSCs from UBGB/DBGB are no longer valid.
Q: What is the MICR code for this branch and why does it matter?
The MICR code is 800811002. MICR is used mainly for cheque clearing through the paper-based clearing system. It speeds up processing and helps verify the branch and city on cheques.
Q: What should I do if I enter the wrong IFSC?
If the wrong IFSC still resolves to a valid branch, funds may go to a different account; contact your bank immediately with the UTR and transaction details. If the IFSC is invalid, the transfer will usually be rejected and returned to your account after processing. Prompt action reduces delays.
Q: Has the IFSC changed because of the merger?
Yes. With the consolidation under Punjab National Bank, new transactions must use the IFSC PUNB0MBGB06. Old UBGB/DBGB IFSCs have been revoked and will not be valid for new transfers.
Q: Can I use this IFSC for cash deposits at the branch?
IFSC is primarily for electronic transfers. For cash deposits, provide the account number and branch name at the counter. Still, using the correct branch code or mentioning the IFSC helps staff ensure accurate posting.
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.