The Bihar Gramin Bank RO BHABHUA branch is located in Kaimur (Bhabua), Bihar (PIN 821101). This branch handles retail and remittance services for local customers and businesses in the Bhabhua region. For electronic fund transfers (NEFT, RTGS, IMPS), the IFSC code is essential. It identifies the exact bank and branch so the payment network routes money accurately and quickly. Entering the correct IFSC prevents failed transfers and delays.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | RO BHABHUA |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 7427 |
| Branch Address | RO BHABHUA, Kaimur (Bhabua), 821101, 9771446171 |
| Contact Number | 9771446171 |
| City | Kaimur (Bhabua) |
| District | Kaimur (Bhabua) |
| Reason | BHABHUA |
| Pincode | 821101 |
| State | Bihar |
Merger Update
Note: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) were merged into a single structure and now operate under Punjab National Bank’s routing. The current and valid IFSC for transactions related to this region is PUNB0MBGB06. Any old UBGB or DBGB IFSC codes have been revoked and will not work for NEFT/RTGS/IMPS. Always use the new IFSC PUNB0MBGB06 when sending funds to this branch.
What is IFSC Code?
The IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to identify bank branches in electronic fund transfers. Its structure is fixed:
- First 4 characters: bank identifier (example: PUNB = Punjab National Bank).
- 5th character: always 0 (reserved for future use).
- Last 6 characters: branch identifier (example: MBGB06 in PUNB0MBGB06).
This structure helps payment systems route messages to the correct bank and branch automatically.
How to Use IFSC Code (NEFT, RTGS, IMPS)
Follow these steps when you initiate a transfer from online banking or your payment app:
- Choose transfer type: NEFT, RTGS, or IMPS. (RTGS is for high-value transfers; many banks set a minimum of around ₹2,00,000.)
- Enter beneficiary name exactly as on their account.
- Enter beneficiary account number.
- Enter IFSC code: PUNB0MBGB06 for Bihar Gramin Bank RO BHABHUA.
- Enter amount and any remarks or purpose of payment.
- Verify details carefully, especially account number and IFSC.
- Authenticate with OTP or transaction PIN and submit.
- Keep the transaction reference. Use it to track success or to raise a complaint if needed.
Tip: If the IFSC entered is invalid, the system will usually reject the transaction. If the IFSC is valid but points to a different branch, funds may go to that branch and reversal will require bank intervention.
Benefits of Knowing the IFSC
- Ensures money reaches the correct branch and account without delay.
- Required input for NEFT, RTGS, and IMPS transfers.
- Reduces risk of failed transactions and refund procedures.
- Useful for setting up beneficiaries in online banking and mobile apps.
- Helps customer care locate transactions quickly using branch identifiers and MICR.
Contact
Branch phone no: 9771446171
Branch Address: RO BHABHUA, Kaimur (Bhabua), 821101
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777
FAQs
Q: How can I be sure PUNB0MBGB06 is the right IFSC for RO BHABHUA?
A: Verify the IFSC on a bank passbook, cheque leaf, or by calling the branch at 9771446171. The head office or official bank communication also lists the valid IFSC.
Q: What happens if I enter a wrong IFSC during transfer?
A: If the IFSC is invalid, the transaction usually fails and the amount is returned. If the IFSC is valid but corresponds to another branch, funds may go to that account. Reversal in that case requires the receiving bank’s cooperation and can take several working days.
Q: Is NEFT/RTGS/IMPS available 24×7 for this branch?
A: IMPS is immediate and available 24×7. NEFT and RTGS availability depends on the bank’s service window and the national clearing system; many banks now support extended hours or 24×7 settlement. Confirm with the branch or bank’s customer care for precise cutoffs and limits.
Q: What is the difference between IFSC and MICR?
A: IFSC (11 characters) routes electronic transfers (NEFT/RTGS/IMPS). MICR (9 digits) is used for cheque processing in the clearing system. Both identify the branch, but they serve different clearing processes.
Q: Can I use the branch code or MICR instead of IFSC for online transfers?
A: No. Online fund transfers require the IFSC. MICR and branch codes are for cheque clearance and internal identification, not for electronic routing in NEFT/RTGS/IMPS.
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.