Bihar Gramin Bank Kumma IFSC Code

Kumma is a branch location in Sitamarhi district, Bihar. This page lists the key branch details for Bihar Gramin Bank, Kumma, and explains the IFSC code you need to send or receive electronic fund transfers. The IFSC code identifies the exact bank branch for NEFT, RTGS and IMPS transfers. Using the correct IFSC avoids payment failures, delays and manual reconciliation by the banks.

Branch Details Table

Bank Name	Bihar Gramin Bank
Branch Name	Kumma
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	100079
Branch Address	Kumma, SITAMARHI, 0, 9297954756
Contact Number	9297954756
City	SITAMARHI
District	SITAMARHI
Reason	SITAMARHI
Pincode	0
State	Bihar

Merger Update

For clarity: several regional rural banks in Bihar were restructured and their banking operations consolidated under Punjab National Bank (PNB). If a branch originally belonged to Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB), both banks have been merged operationally and now use the single IFSC PUNB0MBGB06 under Punjab National Bank for electronic transactions. Old UBGB/DBGB IFSC codes have been revoked and should not be used. Always use the current IFSC shown above for NEFT, RTGS and IMPS.

What is IFSC Code?

IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code used to route electronic payments to the correct bank branch.

• First 4 characters — Bank code (alphabetic). Example: PUNB = Punjab National Bank.
• 5th character — Reserved and always 0 (zero).
• Last 6 characters — Branch identifier (alphanumeric). Example: MBGB06 in PUNB0MBGB06.

Note: The IFSC branch identifier is a unique code for electronic routing. It does not have to match the bank’s internal numeric branch code (for this branch the internal branch code field is 100079), so you must use the IFSC shown for online transfers.

How to Use IFSC Code

• Open your bank’s netbanking or mobile app and choose the transfer type (NEFT, RTGS, IMPS).
• Select “Add beneficiary” or “New payee.”
• Enter beneficiary name, account number, and the IFSC PUNB0MBGB06. Choose the bank name and branch if required.
• Save the beneficiary. Some banks require confirmation (OTP or in-branch activation) before first transfer.
• Initiate the transfer: select the saved beneficiary, enter amount and purpose, and confirm using OTP or transaction PIN.
• For RTGS choose it for higher-value transactions as allowed by your bank (many banks require a minimum amount). NEFT has no minimum; IMPS is instant and available 24×7 subject to bank limits.
• Always verify account number, beneficiary name and IFSC before confirming. A wrong IFSC can route payment to a different branch or cause rejection.

Benefits of Knowing the IFSC

• Accurate routing of electronic payments (NEFT/RTGS/IMPS).
• Faster settlement and reduced chance of return or manual correction.
• Needed when adding beneficiaries in netbanking and mobile apps.
• Useful for reconciling incoming transfers and bank statements.
• Makes cheque clearing and electronic mandates easier when combined with MICR code (MICR: 800811002).

Contact

Branch phone no: 9297954756
Branch Address: Kumma, SITAMARHI, 0, 9297954756
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777

FAQs

• Q: Is PUNB0MBGB06 the correct IFSC to use for Kumma branch?

  A: Yes. The IFSC listed for Bihar Gramin Bank, Kumma is PUNB0MBGB06. Use this for NEFT, RTGS and IMPS transfers unless your bank or the recipient confirms a different current IFSC.

• Q: What happens if I enter the wrong IFSC?

  A: If the wrong IFSC routes to a different valid branch, funds may reach another account and recovery will require bank intervention and can take time. If the IFSC does not exist for that account number, the transfer is usually rejected and funds returned. Always verify IFSC and account number before sending large sums.

• Q: How is IFSC different from MICR?

  A: IFSC routes electronic payments. MICR (Magnetic Ink Character Recognition) code, here 800811002, is used for cheque clearing and automated cheque processing. Both identify branches but serve different systems.

• Q: Can IFSC change after a bank merger?

  A: Yes. After mergers or rebranding, banks may issue new IFSCs. In this case, UBGB/DBGB operations were consolidated and now the single IFSC PUNB0MBGB06 under Punjab National Bank is in use. Old codes were revoked—do not use them.

• Q: Where can I verify the IFSC before transferring?

  A: Verify with the beneficiary (official bank correspondence or cheque leaf), the branch contact number (9297954756), or by asking your bank’s customer support/toll-free number before making significant transfers.