Bihar Gramin Bank KACHWAN IFSC Code

If you’re looking to transfer funds to or from the Bihar Gramin Bank branch in KACHWAN, Rohtas, Bihar, understanding its Indian Financial System Code (IFSC) is key. The IFSC code is like a unique digital address for every bank branch in India. It’s essential for carrying out electronic fund transfers such as NEFT (National Electronic Funds Transfer), RTGS (Real-Time Gross Settlement), and IMPS (Immediate Payment Service). Without the correct IFSC, these online transactions cannot be completed, ensuring that your money goes to the right place.

Branch Details

Bank Name	Bihar Gramin Bank
Branch Name	KACHWAN
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	7361
Branch Address	KACHWAN, Rohtas, 821307
Contact Number	9771464361
City	Rohtas
District	Rohtas
Pincode	821307
State	Bihar

Merger Update

It’s important for customers to know about recent changes concerning regional rural banks in Bihar. Previously, there were banks like Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). These banks have since merged and are now operating as *Bihar Gramin Bank*. This merged entity is sponsored by Punjab National Bank (PNB), one of India’s largest public sector banks.

Due to this merger, all branches that once belonged to UBGB or DBGB, including the KACHWAN branch, now function under the unified Bihar Gramin Bank. As a result, they use new IFSC codes that begin with “PUNB0” to reflect their association with Punjab National Bank. The KACHWAN branch, for example, uses the IFSC code PUNB0MBGB06.

Please be aware that any old IFSC codes you might have for former UBGB or DBGB branches are no longer valid. If you try to use an old code for a fund transfer, the transaction will likely fail. Always use the current, updated IFSC code like PUNB0MBGB06 for the KACHWAN branch to ensure your transfers go through smoothly.

What is an IFSC Code?

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code. It uniquely identifies every bank branch participating in online fund transfers within India. Think of it as a specific address for a bank branch in the digital banking world.

The structure of the IFSC code is always the same:

• The first four characters represent the bank’s name. For example, in PUNB0MBGB06, “PUNB” stands for Punjab National Bank.
• The fifth character is always a zero (0). This character is reserved for future use and helps distinguish the bank code from the branch code.
• The last six characters identify the specific branch. In PUNB0MBGB06, “MBGB06” refers to the KACHWAN branch of Bihar Gramin Bank, which is under Punjab National Bank’s sponsorship.

This unique structure ensures that funds are routed correctly to the intended bank and branch.

How to Use the IFSC Code

You will need the IFSC code when performing any of the following electronic fund transfers:

For NEFT (National Electronic Funds Transfer):

1. Log in to your online banking portal or mobile banking app.
2. Select the “NEFT” option for fund transfer.
3. Add a new beneficiary or select an existing one.
4. Enter the beneficiary’s details: name, account number, bank name (Bihar Gramin Bank), and the branch IFSC code (PUNB0MBGB06 for KACHWAN).
5. Enter the amount you wish to transfer and confirm the transaction.

For RTGS (Real-Time Gross Settlement):

RTGS is typically used for large value transfers (usually above ₹2 lakh). The process is similar to NEFT:

1. Access your bank’s online platform.
2. Choose the “RTGS” option.
3. Provide the beneficiary’s details: name, account number, bank name (Bihar Gramin Bank), and the KACHWAN branch IFSC code (PUNB0MBGB06).
4. Specify the amount and complete the transfer.

For IMPS (Immediate Payment Service):

IMPS allows for instant fund transfers 24/7, even on holidays. You can use it via mobile banking or internet banking.

1. Open your mobile banking app or internet banking site.
2. Select “IMPS Transfer.”
3. Enter the beneficiary’s account number and the KACHWAN branch IFSC code (PUNB0MBGB06), or use their Mobile Money Identifier (MMID) and mobile number if available.
4. Input the amount and confirm the transaction.

Benefits of Knowing the IFSC Code

Knowing the correct IFSC code for your bank branch, or for the branch you wish to send money to, offers several advantages:

• Accuracy in Transfers: It ensures your funds are sent to the correct bank and branch, preventing delays or transfers to wrong accounts.
• Faster Processing: Correct IFSC codes help banks process your NEFT, RTGS, and IMPS transactions quickly and efficiently.
• Secure Transactions: By providing a unique identifier for each branch, it adds a layer of security to electronic fund transfers.
• Mandatory for Digital Payments: It is a compulsory requirement for almost all online and mobile banking fund transfers within India.
• Easy Identification: Helps quickly identify a specific branch, even among numerous branches of the same bank.

Contact Information

KACHWAN Branch Contact:

• Phone Number: 9771464361
• Branch Address: KACHWAN, Rohtas, 821307, Bihar

Bihar Gramin Bank Head Office:

• Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number: 18001807777

FAQs

Q1: What is the IFSC code for Bihar Gramin Bank KACHWAN branch?

A1: The IFSC code for Bihar Gramin Bank KACHWAN branch is PUNB0MBGB06.

Q2: Why is the fifth character ‘0’ in the IFSC code?

A2: The fifth character is always zero (0) and acts as a control character. It separates the bank code from the branch code and is reserved for future use by the Reserve Bank of India (RBI).

Q3: Can I transfer funds online without an IFSC code?

A3: No, for electronic fund transfers like NEFT, RTGS, or IMPS, the IFSC code is mandatory. It ensures that your money is routed to the correct bank and branch.

Q4: What happens if I use an old IFSC code from Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB) for a transfer to a Bihar Gramin Bank branch?

A4: Your transaction will likely fail. Since UBGB and DBGB have merged to form Bihar Gramin Bank, their old IFSC codes are no longer valid. Always use the current IFSC code, which typically starts with “PUNB0” for Bihar Gramin Bank branches.

Q5: How can I verify an IFSC code?

A5: You can verify an IFSC code by checking your bank passbook or cheque book, visiting the official website of Bihar Gramin Bank or Punjab National Bank, or using the IFSC lookup tool on the Reserve Bank of India (RBI) website.