The Bihar Gramin Bank branch at Darwan serves customers in Kaimur (Bhabua), Bihar. Its IFSC code is required for electronic fund transfers such as NEFT, RTGS and IMPS. Using the correct IFSC ensures funds reach the exact branch and account without delay or returns.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | DARWAN |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 7344 |
| Branch Address | DARWAN, Kaimur (Bhabua), 821109, 9771464344 |
| Contact Number | 9771464344 |
| City | Kaimur (Bhabua) |
| District | Kaimur (Bhabua) |
| Reason | BHABHUA |
| Pincode | 821109 |
| State | Bihar |
Merger Update
Important: Bihar Gramin Bank is the consolidated sponsor arrangement under Punjab National Bank for rural banking in Bihar. The earlier regional rural banks — Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) — have been merged into the unified entity. All former UBGB and DBGB IFSC codes have been replaced. For transactions, use the single IFSC code PUNB0MBGB06 linked to Punjab National Bank sponsorship. Old UBGB/DBGB IFSC codes are revoked and will not work for NEFT/RTGS/IMPS.
What is an IFSC Code?
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to identify bank branches in electronic payments. The structure is fixed:
- First 4 characters: Bank identifier (alphabetic). Example: PUNB = Punjab National Bank.
- 5th character: Reserved and always 0.
- Last 6 characters: Branch identifier (alphanumeric). Example: MBGB06 in PUNB0MBGB06 identifies the specific branch code.
How to Use IFSC Code for NEFT, RTGS and IMPS
Follow these steps when sending or receiving funds:
- Choose the transfer type in your banking app or internet banking: NEFT, RTGS or IMPS. (IMPS for immediate small-value transfers, NEFT for batch transfers, RTGS for large-value real-time transfers.)
- Enter beneficiary name and account number exactly as provided by the beneficiary.
- Enter the IFSC code: PUNB0MBGB06 for Bihar Gramin Bank, Darwan branch. Double-check characters — one wrong digit or letter may divert the payment.
- Fill amount and narration. For RTGS, confirm minimum limits (varies by bank). For NEFT/IMPS no specific minimum is required by the system, but banks may set limits.
- Confirm OTP or transaction PIN as prompted. Save the transaction acknowledgment or UTR number for tracking.
- If you receive funds, provide your correct IFSC and account number to the sender. If the sender uses the wrong IFSC, funds may be delayed or returned.
Benefits of Knowing the IFSC
- Ensures accurate routing of electronic payments to the exact branch and account.
- Speeds up transfers — banks validate IFSC during initiation, reducing manual intervention.
- Required for all NEFT/RTGS/IMPS transfers and many online bill-pay or payroll setups.
- Helps customer service and reconciliation: you can quote IFSC and branch code when tracking failed or delayed transfers.
- Prevents returns and penalty fees that can occur from incorrect beneficiary details.
Contact
Branch Phone: 9771464344
Branch Address: DARWAN, Kaimur (Bhabua), 821109
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll-free: 18001807777
FAQs
Q: Is PUNB0MBGB06 the only valid IFSC for Darwan branch?
A: Yes. PUNB0MBGB06 is the valid IFSC for Bihar Gramin Bank, Darwan branch under the Punjab National Bank sponsorship. Use this code for NEFT, RTGS and IMPS.
Q: How do I confirm the IFSC before making a transfer?
A: Confirm via the bank’s official communication (branch slip, passbook, or phone call to 9771464344). Also check the bank’s head office confirmation if unsure. Do not rely solely on old documents if the branch was affected by the bank merger.
Q: What happens if I enter the wrong IFSC?
A: If the IFSC points to a different valid branch, the funds will reach that other branch and may require recall procedures. If the IFSC is invalid, the transaction will typically be rejected and returned to the sender. Track using UTR/reference number and contact the sending bank immediately.
Q: What’s the difference between IFSC and MICR?
A: IFSC identifies the specific branch for electronic fund transfers (NEFT/RTGS/IMPS). MICR (Magnetic Ink Character Recognition) is a 9-digit code used mainly for cheque clearing and identifies the bank and branch in the clearing system. For electronic transfers, IFSC is mandatory; MICR is used for cheque processing.
Q: After the UBGB/DBGB merger, will branch codes or account numbers change?
A: Typically, account numbers remain the same, but IFSC codes get standardized under the sponsor bank’s format. In this case, former UBGB/DBGB IFSCs are revoked and replaced by the unified IFSC PUNB0MBGB06 for the merged branches. Always verify with your branch (phone: 9771464344) or the head office before initiating large transfers.
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.