Bihar Gramin Bank Kachna IFSC Code

Kachna branch of Bihar Gramin Bank is located in Kachna, Katihar district, Bihar (PIN 854317). This is a rural branch that handles deposits, withdrawals, and payments for local residents and businesses. For any electronic fund transfer (NEFT, RTGS, IMPS) you must provide the correct IFSC code. The IFSC uniquely identifies the bank and branch and routes your payment to the right account. Using an incorrect IFSC can delay the transfer or cause it to be returned.

Branch Details Table

Bank Name	Bihar Gramin Bank
Branch Name	Kachna
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	100822
Branch Address	Kachna, KATIHAR, 854317, 9297954197
Contact Number	9297954197
City	KATIHAR
District	KATIHAR
Reason	PURNEA
Pincode	854317
State	Bihar

Merger Update

Bihar Gramin Bank branches previously under Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB) have been consolidated and now operate under Punjab National Bank (PNB) for electronic transfers. The active IFSC for this branch is PUNB0MBGB06. Old UBGB/DBGB IFSC codes have been revoked and will not work for NEFT, RTGS, or IMPS. Always use the new IFSC PUNB0MBGB06 for transactions to ensure timely credit.

What is IFSC Code?

The IFSC (Indian Financial System Code) is an 11-character alphanumeric code that identifies a specific bank branch in India for electronic transfers. Its structure is:

• First 4 characters: Bank code (letters). Example: PUNB = Punjab National Bank.
• 5th character: Always the digit 0 (reserved for future use).
• Last 6 characters: Branch identifier (alphanumeric). Example: MBGB06 in PUNB0MBGB06.

So, PUNB0MBGB06 breaks down as PUNB (bank) + 0 + MBGB06 (branch). The branch code on records (100822) and the last six characters of IFSC serve different internal purposes; always rely on the full IFSC shown above when transferring funds.

How to Use IFSC Code

• Confirm beneficiary details: account name, account number, and IFSC (PUNB0MBGB06 for Kachna branch).
• Open your bank’s internet banking, mobile app, or visit a branch and choose the transfer type (NEFT, RTGS, IMPS).
• Enter beneficiary name, account number, and IFSC exactly as provided. Do not add spaces or change letter case (systems ignore case but maintain exact text is best practice).
• Select transfer mode based on amount and urgency:
  • NEFT — suitable for most amounts, now available 24×7; historically settled in half-hour batches.
  • RTGS — used for large-value transfers (usually ₹2 lakh and above); real-time gross settlement.
  • IMPS — immediate 24×7 transfers for small and medium amounts (bank-imposed limits, commonly up to ₹2 lakh).
• Enter amount and purpose, verify the details, and authenticate (OTP, token or UPI PIN as required).
• After confirmation, save the transaction reference/UTR number. Track the payment status in your app or ask the beneficiary to confirm receipt.
• If the transfer fails or is returned, contact your bank with the UTR/transaction reference and beneficiary details for resolution.

Benefits of Knowing the IFSC

• Ensures funds are routed to the correct bank branch quickly and securely.
• Prevents delays or reversals caused by incorrect branch identification.
• Makes online additions of beneficiaries faster and error-free.
• Required for bulk and automated payments (salaries, vendor payments, government transfers).
• Helpful in reconciling transactions using UTR numbers tied to the correct IFSC.

Contact

Branch Phone: 9297954197
Branch Address: Kachna, KATIHAR, 854317
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll Free: 18001807777

FAQs

• Q: Can I use an old UBGB or DBGB IFSC for transfers to this branch?
  A: No. Old UBGB/DBGB IFSC codes have been revoked after the merger. Use the current IFSC PUNB0MBGB06.
• Q: What happens if I enter the wrong IFSC?
  A: If the IFSC does not match the account number, the transfer may be rejected or returned. In some rare cases it could route to a different branch—so always verify both the account number and IFSC before confirming.
• Q: How long do NEFT, RTGS and IMPS transfers take to reach the Kachna branch?
  A: IMPS is immediate (seconds). RTGS is near-instant for large-value transfers (real-time) and is preferred for amounts typically ₹2 lakh and above. NEFT is available 24×7 and usually completes within minutes to an hour depending on settlement and bank processing.
• Q: Where can I find IFSC on cheques or passbooks?
  A: IFSC is printed on the cheque leaf (top or bottom) and often on the passbook first page. For merged banks, the new IFSC may not appear on older cheques—always confirm the current IFSC before making transfers.
• Q: Is IFSC case-sensitive when entering it online?
  A: Most systems are not case-sensitive, but enter it exactly (capital letters) as provided: PUNB0MBGB06. That avoids any potential parsing issues.