Bihar Gramin Bank Chhajan IFSC Code

The Bihar Gramin Bank branch at Chhajan is located in Muzaffarpur district of Bihar. The branch serves retail and rural customers for deposits, withdrawals, and fund transfers. For electronic transfers such as NEFT, RTGS, and IMPS you must use the branch IFSC code. The IFSC code ensures your payment reaches the right bank and branch and is required when adding beneficiaries or initiating fund transfers online.

Branch Details

Bank Name	Bihar Gramin Bank
Branch Name	Chhajan
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	100121
Branch Address	Chhajan, MUZAFFARPUR, 844127, 9297955342
Contact Number	9297955342
City	MUZAFFARPUR
District	MUZAFFARPUR
Reason	MUZAFFARPUR
Pincode	844127
State	Bihar

Merger Update

Note on mergers: Bihar Gramin Bank branches in this region were part of the regional rural bank consolidation under Punjab National Bank. If this branch previously used an Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB) IFSC, those old IFSCs have been revoked. All transactions now use the single IFSC PUNB0MBGB06 under Punjab National Bank. Use only this IFSC for NEFT, RTGS, and IMPS. Transfers made to old UBGB or DBGB IFSCs may fail or be returned.

What is an IFSC Code?

An IFSC (Indian Financial System Code) uniquely identifies a bank branch for electronic payments in India.

• Structure: The IFSC is 11 characters long.
• First 4 characters — bank code (letters). Example: PUNB = Punjab National Bank.
• 5th character — always zero (reserved for future use).
• Last 6 characters — branch identifier (alphanumeric). Example: MBGB06 in PUNB0MBGB06.

Note: The branch numeric code (for internal use) such as 100121 may differ from the IFSC’s last six characters. They serve different purposes.

How to Use the IFSC Code (NEFT, RTGS, IMPS)

• Step 1 — Add beneficiary: In your bank’s netbanking or mobile app, choose “Add Beneficiary” or “Add Payee.”
• Step 2 — Enter details: Provide beneficiary name, account number, and the IFSC PUNB0MBGB06. Select account type (savings/current).
• Step 3 — Verify: The bank may validate IFSC automatically. Confirm beneficiary details and save.
• Step 4 — Initiate transfer: Choose the transfer mode — NEFT, RTGS, or IMPS — and enter amount and purpose. Select the saved beneficiary.
• Step 5 — Authenticate: Approve using OTP, transaction PIN, or token as required by your bank.
• Step 6 — Confirmation: Note the transaction reference or UTR for tracking.

Which mode to pick?

• IMPS — Instant, 24×7. Use for urgent small-to-medium transfers.
• NEFT — Retail transfers. Available round-the-clock; settlement may be near-instant or in short batches depending on banks.
• RTGS — For high-value transfers where you need real-time gross settlement. Banks may have specific cut-offs and limits.

Always double-check account number and IFSC before confirming. An incorrect IFSC can route funds to the wrong branch or cause a failure.

Benefits of Knowing the IFSC

• Ensures funds reach the correct bank branch during NEFT/RTGS/IMPS transfers.
• Makes adding beneficiaries simple and faster in netbanking and mobile apps.
• Helps verify branch identity when reconciling bank statements or receiving payments.
• Required for receiving electronic credits like salary, refunds, and government payments.
• Reduces the chance of failed transfers and delays when the correct code is used.

Contact

Branch phone number: 9297955342

Branch address: Chhajan, MUZAFFARPUR, 844127

Head office address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR

Toll free: 18001807777

FAQs

Q: Can I use any IFSC of Bihar Gramin Bank to transfer money to Chhajan branch?
A: No. Use the exact IFSC PUNB0MBGB06 assigned to this merged branch. Other old codes have been revoked.

Q: What happens if I enter a wrong IFSC but correct account number?
A: If the wrong IFSC points to another valid branch, the transfer may go to that branch and could still fail at beneficiary verification. If the IFSC is invalid, the transfer will be returned. Always verify both the account number and IFSC.

Q: Is MICR code needed for online transfers?
A: No. MICR (800811002) is used for cheque processing and clearing. IFSC is required for NEFT/RTGS/IMPS.

Q: Are NEFT, RTGS, and IMPS available 24×7 for this branch?
A: IMPS is available 24×7 for instant transfers. NEFT and RTGS are available online through most banks around the clock, but settlement times and bank-specific cut-offs can vary. Check with your bank for exact timing rules.

Q: How do I confirm a transfer to this branch was successful?
A: After transfer, note the transaction reference or UTR. You can check transfer status in your bank statement or netbanking transaction history. For delays or disputes, contact the branch at 9297955342 or the toll-free number 18001807777.