The Bihar Gramin Bank branch at Bahuara (Kaimur/Bhabua) serves local residents and businesses in postal code 821106. For electronic fund transfers like NEFT, RTGS and IMPS you must use the correct IFSC code. A wrong or revoked IFSC can delay transfers or cause failed transactions. This page gives the exact branch details, how the IFSC is structured, and practical steps for safe transfers.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | BAHUARA |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 7331 |
| Branch Address | BAHUARA, Kaimur (Bhabua), 821106, 9771464331 |
| Contact Number | 9771464331 |
| City | Kaimur (Bhabua) |
| District | Kaimur (Bhabua) |
| Reason | BHABHUA |
| Pincode | 821106 |
| State | Bihar |
Merger Update
Important: If this branch previously operated under Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB), both banks have been reorganised and now transact under the single IFSC PUNB0MBGB06 belonging to Punjab National Bank. Old UBGB/DBGB IFSC codes have been revoked. Use only PUNB0MBGB06 for NEFT, RTGS or IMPS transfers to this branch.
What is an IFSC Code?
The IFSC (Indian Financial System Code) is an 11-character code used to route electronic payments to bank branches in India. It has three parts:
- First 4 characters — alphabetic bank identifier. Example: PUNB = Punjab National Bank.
- 5th character — reserved and is 0 (zero) in the standard format.
- Last 6 characters — branch identifier. This can be letters and digits. In this case: MBGB06.
So PUNB0MBGB06 breaks down as PUNB + 0 + MBGB06. IFSC codes are case-insensitive but enter them exactly to avoid mistakes.
How to Use IFSC Code (NEFT / RTGS / IMPS)
- Open your bank’s internet banking or mobile app and choose the transfer type (NEFT, RTGS or IMPS).
- Select “Add Beneficiary” or “New Payee”.
- Enter the beneficiary name and account number exactly as provided by the recipient.
- Enter the IFSC code: PUNB0MBGB06. Double-check characters: P-U-N-B-0-M-B-G-B-0-6.
- Provide branch details (BAHUARA, Kaimur (Bhabua)) and contact number if requested.
- Save the beneficiary. Many banks require a confirmation period (e.g., 30 minutes to 4 hours) for new payees.
- Initiate the transfer using the saved beneficiary. For same-day or immediate transfers, choose RTGS (high value) or IMPS (instant, 24×7). NEFT settles in batches.
- Keep transaction reference and check the beneficiary account statement to confirm receipt.
Benefits of Knowing the IFSC
- Ensures funds route to the correct branch and account.
- Prevents failed or returned transactions due to incorrect routing.
- Required to add beneficiaries in netbanking and mobile apps.
- Enables precise reconciliation for businesses (useful with MICR and branch code).
- Validates branch identity during payments and refunds.
Contact
Branch phone no: 9771464331
Branch Address: BAHUARA, Kaimur (Bhabua), 821106
Head office address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777
FAQs
Q: Can I use an old UBGB IFSC to transfer funds to this branch?
A: No. Old UBGB IFSCs have been revoked if the branch moved under the merged setup. Use only PUNB0MBGB06 for transfers to Bahuara.
Q: Is the IFSC the same as MICR?
A: No. IFSC routes electronic transfers. MICR (here 800811002) is used for cheque clearing. Both identify the branch but serve different systems.
Q: What if I enter the wrong IFSC but correct account number?
A: If the IFSC points to a different bank/branch, the transfer may fail or credit the wrong account. Banks usually detect mismatch between IFSC and account bank and reject. Contact your bank immediately if an incorrect transfer is initiated.
Q: How fast will the money arrive using NEFT/RTGS/IMPS?
A: IMPS is instant (real-time, 24×7). RTGS is near-instant for high-value transfers during working hours. NEFT settles in half-hourly or hourly batches depending on the bank. Check your bank’s schedule for exact cutoffs.
Q: Where can I verify this IFSC before sending funds?
A: Verify the IFSC on the beneficiary’s passbook, cheque leaf, or by calling the branch at 9771464331. Confirm the head office or toll-free number if unsure.
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.