Kalna is a branch location in the Madhubani district of Bihar serving local residents and businesses. For any electronic fund transfer—NEFT, RTGS or IMPS—you must use the branch IFSC code to route money correctly. The IFSC uniquely identifies the bank and branch in payment networks, ensuring funds reach the right account quickly and securely.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Kalna |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100405 |
| Branch Address | Kalna, MADHUBANI, 847225, 9297954853 |
| Contact Number | 9297954853 |
| City | MADHUBANI |
| District | MADHUBANI |
| Reason | MADHUBANI |
| Pincode | 847225 |
| State | Bihar |
Merger Update
Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged under Punjab National Bank for unified operations in this region. After that merger, the consolidated IFSC code to use for Kalna and related branches is PUNB0MBGB06 (under Punjab National Bank). Old UBGB or DBGB IFSC codes have been revoked. Only the new IFSC code PUNB0MBGB06 is valid for NEFT, RTGS and IMPS transactions. If you try to use a revoked IFSC, the payment will fail or be returned.
What is IFSC Code?
IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code that identifies a bank branch in electronic payment systems.
- First 4 characters — bank identifier (example: PUNB = Punjab National Bank).
- 5th character — reserved and is always 0.
- Last 6 characters — branch identifier (example: MBGB06 identifies the Kalna/merged branch code).
Together the 11 characters route NEFT, RTGS and IMPS messages to the correct bank server and branch. For example, PUNB0MBGB06 decodes to Punjab National Bank (PUNB), reserved zero, branch code MBGB06.
How to Use IFSC Code
- Open your bank’s netbanking or mobile app and choose fund transfer (NEFT/RTGS/IMPS).
- Enter beneficiary name and the recipient account number exactly as given by the account holder.
- Enter the IFSC code PUNB0MBGB06 for the Kalna branch in the IFSC field.
- Double-check the IFSC and account number. A single wrong digit can misroute the transfer.
- Select the transfer type: IMPS for instant small-value transfers, NEFT for batched transfers, RTGS for high-value immediate gross settlement (check your bank’s minimum for RTGS).
- Enter amount and purpose, confirm details, and authorize using OTP or transaction PIN.
- Save beneficiary if you will transfer again, but re-verify IFSC if the bank or branch details change.
Benefits of Knowing the IFSC
- Accurate routing: ensures funds go to the correct bank and branch.
- Faster transfers: required for NEFT, RTGS and IMPS processing.
- Transaction safety: reduces manual errors when entering beneficiary details.
- Verification: you can cross-check IFSC against bank statements or branch records before sending money.
- Business and salary payments: necessary for setting up auto credits and vendor payouts.
Contact
Branch phone: 9297954853
Branch address: Kalna, MADHUBANI, 847225
Head office address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777
FAQs
Q: Can I use PUNB0MBGB06 for all kinds of transfers to Kalna branch?
A: Yes. Use PUNB0MBGB06 for NEFT, RTGS and IMPS transfers. This is the single valid IFSC after the UBGB/DBGB merger.
Q: What if I enter the wrong IFSC or account number?
A: If the IFSC is wrong but still valid for another branch, the money may go to a different account — that requires recovery through the banks involved. If the IFSC is invalid, the transaction typically fails and funds are not debited. Always double-check both account number and IFSC before confirming.
Q: How long do NEFT, RTGS and IMPS transfers take to reach Kalna branch?
A: IMPS is instant (minutes). NEFT operates in half-hour/settlement batches (timing depends on bank windows) and usually completes within a few hours the same day. RTGS is near-real-time for high-value payments during RTGS hours; settlement is immediate once processed. Bank cut-off times and holidays affect timing.
Q: Are there charges for using IFSC-based transfers?
A: Banks may levy fees for NEFT/RTGS depending on amount and channel (branch vs online). IMPS sometimes has nominal charges. Many banks offer free transfers up to certain limits on their mobile apps. Check your bank’s tariff schedule or ask the branch.
Q: How can I verify that PUNB0MBGB06 is genuine?
A: Verify using the branch details (bank name, branch address, MICR 800811002, branch code 100405 and phone 9297954853). You can also confirm with the branch by calling the phone number before sending a large or urgent payment.
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.