This article covers the Bihar Gramin Bank, Kusaundhi branch in Gopalganj, Bihar. The branch is located at Kusaundhi, GOPALGANJ, PIN 841436. Its IFSC code is crucial for electronic fund transfers such as NEFT, RTGS and IMPS. Using the correct IFSC ensures money is routed to the right bank and branch. A wrong IFSC or account number can delay transfers or return funds, so always verify before sending money.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Kusaundhi |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100494 |
| Branch Address | Kusaundhi, GOPALGANJ, 841436, 9297954554 |
| Contact Number | 9297954554 |
| City | GOPALGANJ |
| District | GOPALGANJ |
| Reason | GOPALGANJ |
| Pincode | 841436 |
| State | Bihar |
Merger Update
This branch code and IFSC now operate under Punjab National Bank (PNB). Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) were merged, and the combined operations use the single IFSC PUNB0MBGB06 under PNB. Old UBGB and DBGB IFSC codes have been revoked. For NEFT/RTGS/IMPS transactions you must use the new IFSC PUNB0MBGB06. Transactions attempted with the old codes will fail or be returned.
What is IFSC Code?
IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code used to identify bank branches in electronic payments. The structure is:
- First four characters: bank identifier. Example: PUNB = Punjab National Bank.
- Fifth character: always 0 (reserved for future use).
- Last six characters: branch identifier. Example: in PUNB0MBGB06, MBGB06 identifies the specific branch unit.
How to Use IFSC Code for NEFT, RTGS, IMPS
- Open your bank’s payment or beneficiary screen (net banking, mobile app, or ATM where applicable).
- Choose the transfer type: NEFT, RTGS, or IMPS. (NEFT: no minimum; RTGS: for high-value, typically from around ₹2,00,000 — confirm with your bank; IMPS: immediate, often up to ₹2,00,000 but limits vary.)
- Enter beneficiary name and account number exactly as given by the recipient.
- Enter the IFSC PUNB0MBGB06 for Bihar Gramin Bank Kusaundhi branch.
- Fill in transfer amount and purpose. Verify charges and estimated time.
- Double-check account number and IFSC. If possible, confirm a small test transfer first.
- Authorize the transaction using OTP / UPI PIN / netbanking credentials as required.
- Save beneficiary details for future transfers after confirmation.
Benefits of Knowing the IFSC
- Accurate routing: Ensures funds reach the exact branch and account.
- Faster transfers: Required field for NEFT, RTGS and IMPS to process payments.
- Fewer errors: Reduces failed transfers and reversals caused by wrong branch details.
- Paperless payments: Needed for online and mobile banking workflows.
- Helps account verification: Banks and businesses use IFSC to validate banking details.
Contact
Branch phone no: 9297954554
Branch Address: Kusaundhi, GOPALGANJ, 841436
Head office address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777
FAQs
Q: What exact IFSC should I use for fund transfers to Kusaundhi branch?
A: Use PUNB0MBGB06. This is the only valid IFSC after the merger under Punjab National Bank.
Q: Can I use the MICR code instead of the IFSC for online transfers?
A: No. MICR (800811002) is used mainly for cheque clearing. For NEFT/RTGS/IMPS, you must provide the IFSC.
Q: What happens if I enter a wrong IFSC?
A: If the wrong IFSC still maps to an existing branch, the payment may go to that branch and could reach the wrong account. If the IFSC is invalid, the payment will typically be rejected and returned. Always verify both IFSC and account number.
Q: Have old UBGB/DBGB IFSC codes been disabled?
A: Yes. Old UBGB and DBGB IFSC codes have been revoked after the merger. Only PUNB0MBGB06 should be used for this region.
Q: Where can I verify the IFSC before making a large transfer?
A: Verify the IFSC from your beneficiary’s cheque leaf, bank passbook, the branch contact, or by calling the bank’s toll-free number (18001807777). When in doubt, ask the beneficiary to confirm their account and branch details directly with the Kusaundhi branch at 9297954554.
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.