Bihar Gramin Bank Kharka IFSC Code

Bihar Gramin Bank Kharka IFSC Code

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Kharka is a branch location in Sitamarhi district, Bihar. This article lists the key branch details for fund transfers and explains the role of the IFSC code. The IFSC code directs electronic payments (NEFT, RTGS, IMPS) to the exact bank branch. Using the correct IFSC prevents routing errors and delays.

Branch Details

Bank Name Bihar Gramin Bank
Branch Name Kharka
IFSC Code PUNB0MBGB06
MICR Code 800811002
Branch Code 100114
Branch Address Kharka, SITAMARHI, 0, 9297954754
Contact Number 9297954754
City SITAMARHI
District SITAMARHI
Reason SITAMARHI
Pincode 0
State Bihar

Merger Update

Important: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been consolidated and their branches now operate under a single IFSC code issued by Punjab National Bank. The consolidated IFSC for these former regional banks is PUNB0MBGB06. Old UBGB and DBGB IFSC codes have been revoked. For electronic transfers use only the new IFSC PUNB0MBGB06. Using revoked codes may cause transaction failure or delays.

What is IFSC Code?

The IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to route electronic payments to the correct bank branch.

  • First 4 characters: Bank code (letters). Example: PUNB = Punjab National Bank.
  • 5th character: Reserved and is always 0.
  • Last 6 characters: Branch identifier (can be letters or numbers). Example: in PUNB0MBGB06, the last six MBGB06 identify the specific branch or group.

IFSC is used by NEFT, RTGS and IMPS systems to route funds electronically. MICR (like 800811002) is different — used mainly for cheque clearing.

How to Use IFSC Code

  • Open your bank’s payment interface (netbanking, mobile app, or ATM transfer screen).
  • Choose the transfer type: NEFT, RTGS or IMPS. (NEFT and IMPS have no high minimum. RTGS is typically for larger payments — commonly used for amounts above ₹2 lakh.)
  • Enter beneficiary name and account number exactly as on their account.
  • Enter the IFSC code: PUNB0MBGB06 for Kharka branch. Double-check each character; systems validate IFSC format before submission.
  • Fill in the beneficiary branch city or bank name if requested (Sitamarhi / Bihar Gramin Bank / Punjab National Bank as per system prompts).
  • Enter amount and purpose, then confirm OTP or transaction PIN as required.
  • Save beneficiary details for future transfers if you expect repeat payments.

Timing notes: NEFT and IMPS are available 24×7. RTGS is also available 24×7 in most banks. Clearing and settlement time depends on the payment system and bank processing; IMPS is near-instant, NEFT is usually within minutes to an hour, RTGS is immediate for large value transfers.

Benefits of Knowing the IFSC

  • Precise routing: ensures funds reach the exact branch (example: PUNB0MBGB06 routes to the Kharka/Sitamarhi node).
  • Faster transfers: correct IFSC reduces rejections and reprocessing delays.
  • Error reduction: bank systems validate IFSC format before debiting.
  • Needed for all electronic transfers: mandatory in NEFT, RTGS, IMPS forms.
  • Useful for remote payments: enables sending money without visiting the branch.
  • Cheque clearing: MICR (800811002) helps when processing cheques tied to this branch.

Contact

Branch Phone: 9297954754

Branch Address: Kharka, SITAMARHI, 0, 9297954754

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

Toll Free: 18001807777

FAQs

  • Q: Can I use only the IFSC to transfer money?

    A: No. You need the beneficiary account number and name too. IFSC routes to the branch; the account number ensures it lands in the right account.
  • Q: What happens if I enter a wrong IFSC?

    A: If the IFSC is invalid or revoked, the transaction will likely fail and the bank will reverse the debit. If the IFSC points to a different valid branch, funds may be routed incorrectly and recovery will require coordination between banks.
  • Q: Is IFSC the same as MICR?

    A: No. IFSC is for electronic transfers. MICR (Magnetic Ink Character Recognition) is used mainly for cheque clearing. For example, this branch’s MICR is 800811002.
  • Q: Are IFSC codes case-sensitive?

    A: No. IFSC codes are not case-sensitive, but they must be entered correctly (correct letters and numbers).
  • Q: Can I still use old UBGB IFSC codes?

    A: No. Old UBGB and DBGB IFSC codes have been revoked after the consolidation. Use the unified code PUNB0MBGB06 for transactions to these branches.

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