Bihar Gramin Bank Kishanganj IFSC Code

Kishanganj is a town in Kishanganj district, Bihar (PIN 855107). This article covers the Bihar Gramin Bank, Kishanganj branch and the IFSC needed for electronic fund transfers. The IFSC is required for NEFT, RTGS and IMPS transactions. It tells the bank and branch where to route the money. Entering the correct IFSC avoids failed transfers, delays and extra reconciliation work.

Branch Details Table

Field	Value
Bank Name	Bihar Gramin Bank
Branch Name	Kishanganj
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	100809
Branch Address	Kishanganj, KISHANGANJ, 855107, 9297954399
Contact Number	9297954399
City	KISHANGANJ
District	KISHANGANJ
Reason	ARARIA
Pincode	855107
State	Bihar

Merger Update

Bihar Gramin Bank branches in the region were part of the regional gramin bank consolidation. Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged into Punjab National Bank’s network for banking operations. As a result, the branch now uses the single IFSC code PUNB0MBGB06 under Punjab National Bank for electronic transfers. Old UBGB and DBGB IFSC codes have been revoked. Only the new IFSC code (PUNB0MBGB06) is valid for NEFT, RTGS and IMPS transactions.

What is an IFSC Code?

IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code used to identify bank branches in electronic payments. The structure is:

• First 4 characters: Bank code (letters). Example: PUNB = Punjab National Bank.
• 5th character: Always 0. It is reserved for future use.
• Last 6 characters: Branch identifier. Can be letters, numbers or both. Example: MBGB06 in PUNB0MBGB06.

Note: The branch code printed on bank forms (here 100809) is a separate internal code. The last six characters of IFSC identify the branch for interbank electronic routing and may not match that numeric branch code directly.

How to Use IFSC Code for NEFT, RTGS, IMPS

• Open your bank’s netbanking app or mobile banking screen for fund transfer.
• Choose the transfer type: NEFT, RTGS or IMPS. (IMPS is for instant small-value transfers; RTGS is for large-value real-time gross settlement; NEFT processes in batches but many banks now offer near-instant NEFT.)
• Add a new beneficiary if not already added. Enter beneficiary name, beneficiary account number and IFSC: PUNB0MBGB06.
• Verify the beneficiary bank name and branch shown by the app. It should show Punjab National Bank / Kishanganj (or Bihar Gramin Bank under PNB routing). If it doesn’t match, stop and confirm with the beneficiary.
• Enter the amount and remarks. Confirm limits for RTGS (large-value minimums may apply) and IMPS (per-transaction caps set by the bank).
• Authorize the transfer with your MPIN/OTP/password as required by your bank.
• Save or note the transaction reference number for tracking.

Tip: For corporate or bulk payments, include beneficiary account and IFSC exactly as provided by the beneficiary to avoid bounces.

Benefits of Knowing the IFSC

• Ensures funds route to the correct bank branch in NEFT, RTGS and IMPS.
• Reduces failed or returned transactions and related delays.
• Saves time when adding beneficiaries in mobile or internet banking.
• Useful for receiving inward electronic credits (salaries, refunds, vendor payments).
• Helps reconcile payments—IFSC + account number uniquely identify a branch-account destination.

Contact

Branch Phone: 9297954399

Branch Address: Kishanganj, KISHANGANJ, 855107

Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR

Toll Free: 18001807777

FAQs

• Q: What if I use a wrong IFSC for the transfer?
  A: If the wrong IFSC routes to a different branch but the account number exists there, the funds may credit that account. If the account number does not match at that branch, the payment will be returned to the sender’s account after reconciliation. Contact your bank immediately with the transaction reference to speed recovery.
• Q: Where can I find the IFSC for Kishanganj branch?
  A: The IFSC for Bihar Gramin Bank, Kishanganj branch is PUNB0MBGB06. Confirm with the beneficiary or bank printout before sending large amounts.
• Q: Is IFSC the same as MICR?
  A: No. IFSC is used for electronic transfers. MICR (Magnetic Ink Character Recognition) code, here 800811002, is used primarily for cheque processing.
• Q: Can I use the IFSC for inward and outward transfers?
  A: Yes. Use the IFSC when adding a beneficiary (outward) and provide it to payers who will send you funds (inward). The payer’s bank uses the IFSC to route the payment.
• Q: Are old UBGB/DBGB IFSC codes still valid?
  A: No. After the merger into Punjab National Bank’s system, old UBGB/DBGB IFSC codes have been revoked. Use the unified code PUNB0MBGB06 for transactions.