Bihar Gramin Bank Khajauli IFSC Code

The Khajauli branch is located in Khajauli village, Madhubani district, Bihar (PIN 847228). This branch serves local residents and businesses for deposits, withdrawals, and fund transfers. For electronic funds transfers via NEFT, RTGS or IMPS, the correct IFSC code is essential. The IFSC routes transactions to the exact bank and branch. Using the wrong IFSC can delay transfers, return funds, or send money to the wrong branch.

Bihar Gramin Bank Khajauli IFSC Code

Branch Details

Merger Update

Important: The regional rural banks in Bihar — including Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) — were consolidated under the sponsor bank Punjab National Bank. These banks now operate as Bihar Gramin Bank and use the single IFSC code PUNB0MBGB06 for the Khajauli branch. Old UBGB and DBGB IFSC codes have been revoked. For NEFT/RTGS/IMPS, use only the new IFSC PUNB0MBGB06; any transfers using deprecated IFSCs may fail or be returned.

What is an IFSC Code?

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to identify a bank branch in electronic fund transfers. The 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 (alphanumeric). Example: MBGB06 identifies this Bihar Gramin Bank branch within PNB’s coding.

So for this branch, PUNB0MBGB06 breaks down as: PUNB (PNB sponsor) + 0 + MBGB06 (Khajauli branch code within the bank’s system).

How to Use IFSC Code for NEFT, RTGS, IMPS

• Log in to your bank’s netbanking, mobile app or visit the branch.
• Choose the transfer type: NEFT, RTGS or IMPS. (IMPS is immediate and available 24×7; NEFT is batch-based; RTGS is for high-value immediate transfers.)
• Add a beneficiary: enter beneficiary name, account number, and the IFSC PUNB0MBGB06.
• Verify the branch and bank name shown by your app against “Bihar Gramin Bank, Khajauli”. Mismatch is a red flag—do not proceed until confirmed.
• Enter amount, purpose and any remarks. Authenticate using your OTP/MPIN/password as required.
• Save the beneficiary (many banks require a cooling period before first transfer). Then initiate the transfer once allowed.
• After transfer, note the reference number and check beneficiary account for credit. If funds don’t arrive, contact your bank with the transaction reference, timestamp and IFSC used.

Benefits of Knowing the IFSC

• Ensures funds reach the exact branch and account without delay.
• Required field for adding beneficiaries in online banking and mobile apps.
• Reduces failed or returned transactions due to routing errors.
• Helps customer service trace or recover transactions using the IFSC and reference number.
• Makes reconciliation simpler for businesses and accountants when matching inward remittances.

Contact

Branch Phone: 9297954857

Branch Address: Khajauli, MADHUBANI, 847228

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

Toll Free: 18001807777

FAQs

• Q: Where else can I find the IFSC for Khajauli branch?
  
  A: The IFSC appears on cheque leaves, passbooks, bank statements and can be confirmed at the branch. For this branch the code is PUNB0MBGB06.
• Q: Is IFSC the same as MICR?
  
  A: No. IFSC is for electronic transfers (NEFT/RTGS/IMPS). MICR (e.g., 800811002) is a 9-digit code used for cheque clearing processing.
• Q: Can I use the old UBGB or DBGB IFSC code for transfers?
  
  A: No. Old UBGB/DBGB IFSC codes have been revoked after the merger. Use only PUNB0MBGB06 for transactions to this branch.
• Q: What if I entered the wrong IFSC when sending money?
  
  A: If the wrong IFSC points to a valid branch and account number that matches, funds may go to the wrong account. If incompatible, the transfer will usually be returned. Contact your bank immediately with the transaction reference so they can place a trace and, if needed, initiate a reversal.
• Q: What information should I double-check before initiating a transfer?
  
  A: Confirm beneficiary name, account number, IFSC (PUNB0MBGB06), and the branch name. Also keep the transaction reference and timestamp for follow-up.

Kriti Kumari

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.