Chattargachh is a locality in Kishanganj district, Bihar (PIN 855117). This article gives the precise banking details for the Bihar Gramin Bank branch at Chattargachh and explains the IFSC code you must use for electronic fund transfers. The IFSC code is required for NEFT, RTGS and IMPS transfers. Using the correct IFSC ensures money is routed to the right bank and branch without delays or returns.
Bihar Gramin Bank Chattargachh IFSC Code
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Chattargachh |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100767 |
| Branch Address | Chattargachh, KISHANGANJ, 855117, 9297954394 |
| Contact Number | 9297954394 |
| City | KISHANGANJ |
| District | KISHANGANJ |
| Reason | ARARIA |
| Pincode | 855117 |
| State | Bihar |
Merger Update
Important: The branch now uses the IFSC code PUNB0MBGB06 under Punjab National Bank (PNB). Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged into a single entity sponsored by PNB. As part of that process, old UBGB and DBGB IFSC codes have been revoked. Only the new IFSC code PUNB0MBGB06 is valid for NEFT, RTGS and IMPS transactions. Always verify the IFSC before sending funds to avoid failed or returned transfers.
What is IFSC Code?
The IFSC (Indian Financial System Code) is an 11-character code used to identify bank branches in electronic payment systems. Its structure is fixed:
- First 4 characters — Bank code (alphabetic). Example: PUNB = Punjab National Bank.
- 5th character — Always the digit 0 (reserved for future use).
- Last 6 characters — Branch code (alphanumeric). Example: MBGB06 identifies the specific branch.
So in PUNB0MBGB06, PUNB is the bank, 0 is the reserved digit, and MBGB06 is the branch identifier.
How to Use IFSC Code
- Open your bank’s netbanking or mobile banking app and choose “Fund Transfer” or “Send Money.”
- Select the transfer type: NEFT, RTGS or IMPS. Use NEFT for regular transfers, RTGS for large value immediate transfers, IMPS for instant 24×7 transfers (limits depend on your bank).
- Choose the beneficiary option and enter the beneficiary name and account number exactly as on their passbook or account statement.
- Enter the IFSC code: PUNB0MBGB06. Typing even one wrong character can route the transfer incorrectly or cause failure.
- Confirm the beneficiary details. Many banks show the branch name after you enter IFSC — verify it shows Chattargachh / Kishanganj.
- Enter the amount and purpose. Review charges and timings (NEFT batches and RTGS cut-off times vary by bank).
- Authenticate the transaction using OTP or transaction PIN. Save the transaction reference for future tracking.
Benefits of Knowing the IFSC
- Ensures funds reach the exact bank branch. This reduces failed transfers and manual intervention.
- Required for all electronic transfers: NEFT, RTGS and IMPS.
- Speeds up reconciliation for businesses and individuals by linking payments to branch codes.
- Avoids delays caused by using outdated or revoked IFSC codes.
- Helps verify beneficiary details when the bank name is common across locations.
Contact
Branch phone no: 9297954394
Branch Address: Chattargachh, KISHANGANJ, 855117
Head office address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777
FAQs
Q: Can I use an old UBGB or DBGB IFSC for transfers?
A: No. Old UBGB and DBGB IFSC codes have been revoked after the merger. Use the new IFSC PUNB0MBGB06 for all transactions.
Q: What if I enter the wrong IFSC but correct account number?
A: Banks match both account number and IFSC. If IFSC and account number mismatch, the transfer may fail or be returned. Always double-check both entries.
Q: Is the IFSC case-sensitive?
A: No. IFSC is not case-sensitive, but enter it exactly (characters and order). Some systems auto-convert to uppercase.
Q: Which transfer method should I use — NEFT, RTGS or IMPS?
A: Use IMPS for instant small transfers (24×7). Use NEFT for routine transfers (settled in batches). Use RTGS for high-value real-time transfers (minimum limits apply per bank). Check your bank’s limits and cut-off times.
Q: How long does a transfer to this branch typically take?
A: IMPS is immediate. NEFT usually completes within the same day (depending on batch timings). RTGS is real-time during business hours. If your transfer fails, contact your bank with the transaction reference.
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.