The Bihar Gramin Bank branch at Kerwan is located in Muzaffarpur district of Bihar (PIN 843321). This IFSC information is essential for anyone sending or receiving electronic payments to this branch. The IFSC uniquely identifies the bank and branch when using NEFT, RTGS or IMPS so funds route correctly and reach the beneficiary account without delay.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Kerwan |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100149 |
| Branch Address | Kerwan, MUZAFFARPUR, 843321, 9297955366 |
| Contact Number | 9297955366 |
| City | MUZAFFARPUR |
| District | MUZAFFARPUR |
| Reason | MUZAFFARPUR |
| Pincode | 843321 |
| State | Bihar |
Merger Update
This branch operates under the single IFSC PUNB0MBGB06 assigned to Punjab National Bank. The regional rural banks that earlier existed in Bihar — Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) — have been consolidated and their operations now route through the PNB IFSC scheme. Old UBGB/DBGB IFSC codes have been revoked; only the new IFSC PUNB0MBGB06 is valid for NEFT, RTGS and IMPS transactions to this branch. Always use the current IFSC shown above when adding a beneficiary.
What is IFSC Code?
The IFSC (Indian Financial System Code) is an 11-character alphanumeric code that uniquely identifies a bank branch in electronic payment systems.
- First 4 characters — identify the bank (example: PUNB = Punjab National Bank).
- Fifth character — is reserved and is always 0 (zero).
- Last 6 characters — identify the specific branch (example: MBGB06 for this branch, making the full code PUNB0MBGB06).
The IFSC is used by the payment system to route electronic transactions to the correct bank branch. The MICR code (here 800811002) is separate and used mainly for cheque clearing.
How to Use IFSC Code (NEFT, RTGS, IMPS)
Follow these steps when sending money to the Kerwan branch account via NEFT, RTGS or IMPS:
- Open your bank’s netbanking, mobile app or visit the branch counter.
- Choose the transfer type: IMPS for instant small-value transfers, NEFT for routine transfers, RTGS for high-value transfers (RTGS is typically used for larger amounts — check your bank for the minimum limit).
- Add a beneficiary: enter beneficiary name, account number, and the IFSC PUNB0MBGB06. You may also enter branch address or MICR for your records.
- Verify beneficiary details carefully. For a new beneficiary, make a small test transfer (for example a nominal amount) and confirm credit before sending large sums.
- Authorize the transfer using the bank’s authentication method (OTP, UPI PIN, transaction password, or biometric as applicable).
- Note the transaction reference or UTR number. Use it to track the payment if needed.
Practical tips: check the beneficiary name as shown by the bank after you enter account number and IFSC. If the name doesn’t match, do not proceed until confirmed. Limits, cut-off times and charges can vary by bank and transfer method; confirm with your bank if you need to send large amounts or on a tight schedule.
Benefits of Knowing the IFSC Code
- Ensures funds are routed to the correct bank branch for NEFT/RTGS/IMPS transfers.
- Reduces failed transfers and related delays.
- Makes adding beneficiaries straightforward in netbanking or mobile apps.
- Required for automated receipts like salaries, government payments and vendor settlements.
- MICR and IFSC together speed up cheque clearing and electronic reconciliation.
Contact
Branch phone no: 9297955366
Branch Address: Kerwan, MUZAFFARPUR, 843321
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777
FAQs
Q: How can I verify this IFSC before making a transfer?
A: Verify the IFSC on a cheque leaf, a bank passbook, or by calling the branch at 9297955366. The branch or your bank’s customer care can confirm the current IFSC.
Q: Can I use an older UBGB or DBGB IFSC for transfers?
A: No. Old UBGB/DBGB IFSC codes have been revoked after consolidation. Use only the current IFSC PUNB0MBGB06 for all electronic transfers to this branch.
Q: What happens if I enter a wrong IFSC?
A: If the IFSC does not match a valid branch, the payment may be rejected and returned to the remitter, or it could go to a different branch if the account number matches another branch’s IFSC. Always double-check the IFSC and account number. Contact your bank immediately if you suspect an incorrect transfer.
Q: Is IFSC case-sensitive?
A: No. IFSC codes are not case-sensitive, but it’s best to type them exactly as provided (upper-case is common practice).
Q: Which method should I choose — NEFT, RTGS or IMPS?
A: Use IMPS for instant transfers 24×7 for small to medium amounts (bank limits apply). Use NEFT for routine, non-urgent transfers. Use RTGS for large-value transfers when you need high-value settlement (check your bank for the RTGS minimum). Confirm limits and charges with your bank.
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.