The Bihar Gramin Bank ADHAURA branch is located in Adhaura village, Kaimur (Bhabua) district, Bihar, PIN 802205. This branch serves local residents and businesses in the Bhabhua region. For electronic fund transfers (NEFT, RTGS, IMPS), the IFSC code is essential. It routes your payment to the exact bank and branch. Entering the correct IFSC ensures timely and accurate credit to the beneficiary account.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | ADHAURA |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 7326 |
| Branch Address | ADHAURA, Kaimur (Bhabua), 802205, 9771464326 |
| Contact Number | 9771464326 |
| City | Kaimur (Bhabua) |
| District | Kaimur (Bhabua) |
| Reason | BHABHUA |
| Pincode | 802205 |
| State | Bihar |
Merger Update
Note: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been reorganised under Punjab National Bank for these regional operations. The consolidated IFSC for the merged rural bank operations is PUNB0MBGB06. Old UBGB and DBGB IFSC codes have been revoked. For all NEFT, RTGS and IMPS transactions to ADHAURA branch use only the new IFSC PUNB0MBGB06. Any attempt to use old IFSCs may fail or be returned.
What is IFSC Code?
The IFSC (Indian Financial System Code) is an 11-character alphanumeric code. It tells the payment system which bank and which branch should receive the funds. The structure is:
- First 4 characters — bank identifier (example: PUNB = Punjab National Bank)
- 5th character — always zero (0) reserved for future use
- Last 6 characters — branch identifier (example: MBGB06 in PUNB0MBGB06)
So, PUNB0MBGB06 maps to Punjab National Bank routing to the specific ADHAURA branch entry.
How to Use IFSC Code
Follow these steps when sending money via NEFT, RTGS or IMPS:
- Open your bank’s internet banking, mobile app, or visit a branch.
- Select the transfer type: NEFT, RTGS or IMPS. (IMPS is instant and available 24×7; NEFT/RTGS availability depends on the bank and clearing schedule.)
- Add a beneficiary. Enter the beneficiary name exactly as on their bank account.
- Enter the beneficiary account number. Double-check each digit.
- Enter the IFSC code: PUNB0MBGB06. Verify the branch name displayed after entry.
- Enter the amount and purpose. Choose any additional options required (e.g., same-day or scheduled transfer).
- Confirm details and authenticate the payment (OTP, token or PIN as required).
- Save or note the transaction reference. Check beneficiary account after the advised clearing time.
Tip: Always verify the IFSC from a recent bank document (passbook, cheque leaf, branch notice) or confirm with the branch phone before first-time transfers.
Benefits of Knowing the IFSC
- Ensures funds go to the correct bank branch.
- Prevents transfer delays and reversals caused by routing errors.
- Required for all online transfers (NEFT, RTGS, IMPS).
- Makes beneficiary setup faster and safer.
- Helps reconcile payments and track transactions using branch details.
Contact
Branch phone: 9771464326
Branch address: ADHAURA, Kaimur (Bhabua), 802205
Head office address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free: 18001807777
FAQs
Q: What is the IFSC code for Bihar Gramin Bank ADHAURA?
A: The IFSC code is PUNB0MBGB06. Use this for NEFT, RTGS and IMPS transfers.
Q: Can I use an old UBGB or DBGB IFSC for transfers to this branch?
A: No. Old UBGB/DBGB IFSCs have been revoked after the merger. Use only PUNB0MBGB06. Transfers with old codes can fail or be returned.
Q: What happens if I enter a wrong IFSC?
A: If the IFSC points to a valid branch that doesn’t match the account number, the transfer may be routed incorrectly or fail. If the IFSC is invalid, the payment will usually be rejected and refunded. Always double-check the IFSC and account number.
Q: How long does an NEFT/RTGS/IMPS transfer to ADHAURA take?
A: IMPS is instant (available 24×7). NEFT and RTGS processing times depend on your bank’s clearing cycles and operational hours. Many banks now offer 24×7 NEFT/RTGS, but confirm with your bank or the branch if same-day credit is essential.
Q: Where can I verify the IFSC before making a payment?
A: Verify the IFSC on the beneficiary’s passbook, a cancelled cheque, or by calling the branch at 9771464326. You can also confirm at the head office or through your bank’s branch directory.
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.