Bihar Gramin Bank CHANDESH IFSC Code

Bihar Gramin Bank, CHANDESH branch is located in CHANDESH, Kaimur (Bhabua), Bihar, PIN 802132. This IFSC information is used to route electronic fund transfers from other banks to this specific branch. For transfers using NEFT, RTGS or IMPS you must provide the correct IFSC — it tells the payment system which bank and which branch should receive the funds, so a wrong or outdated IFSC can delay a transfer or cause it to be returned.

Branch Details

Merger Update

Bihar Gramin Bank now operates under the consolidated arrangement with Punjab National Bank for IFSC mapping. If this branch previously used an Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB) IFSC, note that both UBGB and DBGB IFSCs have been revoked. The single valid IFSC for transactions at this branch is PUNB0MBGB06 (Punjab National Bank routing). Use only the new IFSC for NEFT, RTGS and IMPS; older UBGB/DBGB codes will not work and can cause failed or returned transfers.

What is IFSC Code?

IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code used by electronic payment systems to identify banks and branches across India. The structure is:

• First 4 characters — bank identifier. Example: PUNB = Punjab National Bank.
• 5th character — always the digit 0 (reserved).
• Last 6 characters — branch identifier. Example: in PUNB0MBGB06, the last six are MBGB06, which points to the specific CHANDESH branch under the bank’s routing scheme.

How to Use IFSC Code

• Open your bank’s internet banking, mobile app, or visit the branch for a bank transfer.
• Choose the transfer type: IMPS for instant small-value transfers, NEFT for standard electronic transfers, or RTGS for large-value urgent transfers.
• Add a new beneficiary: enter the beneficiary name, account number, and the IFSC PUNB0MBGB06. Double-check spelling and digits.
• Verify the beneficiary details returned by the system (bank and branch name should match CHANDESH / Bihar Gramin Bank routing under PNB).
• Enter the amount and confirm. For IMPS the transfer is immediate; for NEFT and RTGS the transfer posts according to the bank’s settlement (NEFT and RTGS are available 24×7 from most banks; check your bank for any cutoffs or charges).
• Keep the transaction reference or UTR number until the beneficiary confirms receipt.

Benefits of Knowing the IFSC

• Ensures funds are routed to the exact branch and account without delay.
• Prevents failed transfers and reduces the time taken for reversals.
• Required to add beneficiaries in internet banking and mobile apps.
• Useful when filling forms for salary credit, utility payments, or receiving inward remittances.
• Makes reconciliation easier for businesses — the IFSC and branch code identify the receiving branch precisely.

Contact

Branch phone no: 9771464437
Branch address: CHANDESH, Kaimur (Bhabua), 802132
Head office address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777

FAQs

• Q: Can I use the old UBGB or DBGB IFSC for transfers?
  A: No. Old UBGB/DBGB IFSC codes have been revoked after the merger. Use the new IFSC PUNB0MBGB06 to ensure successful transfers.
• Q: What happens if I enter a wrong IFSC?
  A: If the IFSC is incorrect but matches an existing branch, funds may go to the wrong branch/account. If the IFSC does not exist, the transaction will usually fail and be returned. Always verify beneficiary name, account number and IFSC before confirming.
• Q: How do I verify the IFSC before making a transfer?
  A: Check the bank-provided documents (passbook, cheque leaf) or call the branch at 9771464437. Confirm that the bank and branch name shown by your bank’s beneficiary validation match CHANDESH / Bihar Gramin Bank routing under PNB.
• Q: Which service should I use — NEFT, RTGS or IMPS?
  A: Use IMPS for immediate small-value transfers available 24×7. Use RTGS for large-value urgent transfers. NEFT is suitable for routine transfers; it operates round-the-clock through electronic settlement at most banks. Check your bank’s limits and charges.
• Q: Is the MICR code needed for online transfers?
  A: No. MICR (800811002) is used for cheque processing and clearing. For online NEFT/RTGS/IMPS transfers, IFSC is required. MICR is useful when issuing or processing cheques.

Kriti Kumari

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.