Bihar Gramin Bank Kanharia IFSC Code - Bihar Gramin Bank Updates

The Bihar Gramin Bank’s Kanharia branch is located in Purnia, a significant district in Bihar. When you need to transfer funds digitally within India, an IFSC code is essential. This unique code acts like a digital address, ensuring your money goes to the correct bank and branch, whether you’re using NEFT (National Electronic Funds Transfer), RTGS (Real-Time Gross Settlement), or IMPS (Immediate Payment Service). Without the correct IFSC, your transaction simply won’t go through.

<h2>Kanharia Branch Details</h2>
<table>
<tr>
<td>Bank Name</td>
<td>Bihar Gramin Bank</td>
</tr>
<tr>
<td>Branch Name</td>
<td>Kanharia</td>
</tr>
<tr>
<td>IFSC Code</td>
<td>PUNB0MBGB06</td>
</tr>
<tr>
<td>MICR Code</td>
<td>800811002</td>
</tr>
<tr>
<td>Branch Code</td>
<td>100753</td>
</tr>
<tr>
<td>Branch Address</td>
<td>Kanharia, PURNIA, 854319, 9297954150</td>
</tr>
<tr>
<td>Contact Number</td>
<td>9297954150</td>
</tr>
<tr>
<td>City</td>
<td>PURNIA</td>
</tr>
<tr>
<td>District</td>
<td>PURNIA</td>
</tr>
<tr>
<td>Reason</td>
<td>PURNEA</td>
</tr>
<tr>
<td>Pincode</td>
<td>854319</td>
</tr>
<tr>
<td>State</td>
<td>Bihar</td>
</tr>
</table>

<h2>Merger Update for Bihar Gramin Bank</h2>
Bihar Gramin Bank was formed from the merger of Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). This consolidation aimed to streamline operations and provide better services. As a result of this merger, all branches that previously belonged to UBGB or DBGB, including the Kanharia branch, now operate under the single, unified entity of Bihar Gramin Bank.
Crucially, the old IFSC codes for Uttar Bihar Gramin Bank and Dakshin Bihar Gramin Bank are no longer valid for financial transactions. For all digital fund transfers to any Bihar Gramin Bank branch, including Kanharia, you must use the new and unified IFSC code: PUNB0MBGB06. This code is sponsored by Punjab National Bank (PNB), which acts as the lead bank for Bihar Gramin Bank. Always double-check that you are using this current IFSC code to ensure your transactions are successful.

<h2>What is an IFSC Code?</h2>
The Indian Financial System Code, or IFSC, is a unique 11-character alpha-numeric code assigned by the Reserve Bank of India (RBI) to identify every bank branch in India participating in online fund transfers. Understanding its structure can be helpful:
<ul>
<li>The first four characters represent the bank. For example, “PUNB” in PUNB0MBGB06 indicates Punjab National Bank, the sponsor bank for Bihar Gramin Bank.</li>
<li>The fifth character is always zero (0). This character is kept as a control for future use.</li>
<li>The last six characters identify the specific branch. In “PUNB0MBGB06,” “MBGB06” refers to the specific Kanharia branch of Bihar Gramin Bank.</li>
</ul>
This standardized format ensures that each branch has a distinct digital identifier, preventing errors in money transfers.

<h2>How to Use an IFSC Code</h2>
Using an IFSC code is straightforward when you’re sending money via online banking or mobile apps. Here’s a general guide for NEFT, RTGS, and IMPS:
<ol>
<li>Log In: Access your online banking portal or mobile banking app.</li>
<li>Navigate to Funds Transfer: Look for options like “Fund Transfer,” “NEFT,” “RTGS,” or “IMPS.”</li>
<li>Add Beneficiary: If you haven’t sent money to this person or entity before, you’ll need to add them as a new beneficiary. You’ll typically provide: 
<ul>
<li>Beneficiary’s Name</li>
<li>Beneficiary’s Account Number (you might enter it twice for confirmation)</li>
<li>Beneficiary’s Bank Name (e.g., Bihar Gramin Bank)</li>
<li>Beneficiary’s Branch Name (e.g., Kanharia)</li>
<li>The crucial IFSC Code (PUNB0MBGB06 for Kanharia branch)</li>
</ul></li>
<li>Verify and Confirm: After adding the beneficiary, there might be a waiting period (e.g., 30 minutes) before you can initiate a transfer. Once activated, select the beneficiary, enter the amount you wish to send, and confirm the transaction details.</li>
<li>Authorize: Complete the transaction using your password, PIN, or OTP (One-Time Password) as required by your bank.</li>
</ol>
Always double-check the IFSC code and account number before confirming any transaction to avoid sending money to the wrong recipient.

<h2>Benefits of Knowing Your IFSC Code</h2>
Keeping the correct IFSC code handy for your bank branch offers several advantages for modern banking:
<ul>
<li>Facilitates Digital Transfers: It’s essential for all NEFT, RTGS, and IMPS transactions, allowing quick and secure money movement.</li>
<li>Ensures Accuracy: The unique code directs funds precisely to the intended bank and branch, minimizing transfer errors.</li>
<li>Saves Time: With the correct IFSC, you can initiate transfers from home, avoiding trips to the bank branch.</li>
<li>Supports Online Payments: Many online payment gateways and bill payment services require an IFSC for direct bank transfers.</li>
<li>Received Payments: When someone needs to send money to your Bihar Gramin Bank Kanharia account, they will need this IFSC code.</li>
</ul>

<h2>Contact Information</h2>
If you need to get in touch with Bihar Gramin Bank, here are the relevant contact details:
<ul>
<li>Kanharia Branch Phone Number: 9297954150</li>
<li>Kanharia Branch Address: Kanharia, PURNIA, 854319</li>
<li>Bihar Gramin Bank Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR</li>
<li>Toll-Free Number: 18001807777</li>
</ul>

<h2>Frequently Asked Questions</h2>
<dl>
<dt>Q1: Can I still use an old UBGB or DBGB IFSC code for a Bihar Gramin Bank transaction?</dt>
<dd>No, you cannot. Following the merger, all old IFSC codes for Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been revoked. You must use the unified IFSC code, PUNB0MBGB06, for all Bihar Gramin Bank transactions, including the Kanharia branch.</dd>

<dt>Q2: What is the purpose of the ‘0’ (zero) in the fifth position of the IFSC code?</dt>
<dd>The fifth character, always a ‘0’ (zero), is a control character reserved for future use. It helps maintain the 11-character structure and allows for potential expansion or changes in the IFSC system by the RBI.</dd>

<dt>Q3: Is the IFSC code the same as the MICR code?</dt>
<dd>No, they are different. The IFSC code (Indian Financial System Code) is an 11-character alphanumeric code used for online fund transfers (NEFT, RTGS, IMPS). The MICR code (Magnetic Ink Character Recognition) is a 9-digit numeric code primarily used for processing cheques. For the Kanharia branch, the IFSC is PUNB0MBGB06 and the MICR is 800811002.</dd>

<dt>Q4: Where can I find the IFSC code for my Bihar Gramin Bank Kanharia branch?</dt>
<dd>The IFSC code is typically printed on your cheque book. You can also find it on your bank’s official website, your passbook, or by using online bank branch locators. For the Kanharia branch, the IFSC code is PUNB0MBGB06.</dd>

<dt>Q5: What should I do if my online transfer fails due to an incorrect IFSC code?</dt>
<dd>If your online transfer fails because of an incorrect IFSC code, the transaction will usually be rejected by the banking system, and the funds will be reversed to your account within a few hours or one business day. You should then re-initiate the transfer using the correct IFSC code, PUNB0MBGB06 for the Kanharia branch.</dd>
</dl>

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.

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