Bhabhua is a town in Kaimur district, Bihar (PIN 821101). This article lists complete branch details for the Bihar Gramin Bank, BHABHUA branch and explains how to use its IFSC code for electronic fund transfers. The IFSC is essential for NEFT, RTGS and IMPS transactions because it routes your payment to the correct bank and branch. Entering the wrong IFSC can delay or fail transfers.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | BHABHUA |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 7338 |
| Branch Address | BHABHUA, Kaimur (Bhabua), 821101, 9771464338 |
| Contact Number | 9771464338 |
| City | Kaimur (Bhabua) |
| District | Kaimur (Bhabua) |
| Reason | BHABHUA |
| Pincode | 821101 |
| State | Bihar |
Merger Update
Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged under Punjab National Bank for core banking and online transactions. Both former bank systems now route payments using the single IFSC code PUNB0MBGB06. Old UBGB and DBGB IFSC codes are revoked. Only the new IFSC PUNB0MBGB06 is valid for NEFT, RTGS and IMPS transfers. Do not use legacy IFSC codes; they will result in failed or returned transfers.
What is IFSC Code?
IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code used to identify banks and branches for electronic payments.
- First 4 characters = bank identifier (example: PUNB = Punjab National Bank).
- 5th character = reserved and is always 0.
- Last 6 characters = branch identifier (example: MBGB06 in PUNB0MBGB06).
Example breakdown for PUNB0MBGB06:
- PUNB = Punjab National Bank
- 0 = reserved character
- MBGB06 = branch code for the BHABHUA entry under the merged system
How to Use IFSC Code
Follow these steps when sending money via NEFT, RTGS or IMPS.
- Step 1: Choose the transfer type in your bank app or internet banking (NEFT, RTGS, IMPS). Use RTGS for large-value immediate transfers (bank minimums may apply), IMPS for instant small-value transfers, NEFT for scheduled or batch transfers.
- Step 2: Add a beneficiary. Enter the beneficiary name exactly as on their account and their account number.
- Step 3: Enter the IFSC code PUNB0MBGB06. Double-check each character; IFSC is not case-sensitive but must match exactly.
- Step 4: Verify branch details that appear after you enter IFSC — confirm city and branch match BHABHUA, Kaimur.
- Step 5: Enter transfer amount and purpose. Confirm any limits your bank imposes. For RTGS check the minimum limit (commonly ₹2 lakh but confirm with your bank).
- Step 6: Authorize the transfer (OTP or transaction PIN). Save the UTR or transaction reference for tracking.
- Step 7: If transfer fails or is returned, contact your bank with the UTR and timestamp.
Benefits of Knowing the IFSC
- Ensures money reaches the correct branch and account on the first attempt.
- Needed to add beneficiaries in internet banking or mobile apps.
- Helps resolve failed or returned transactions faster with a clear routing code.
- Required for inward remittances and most non-cash bank forms.
- Makes reconciliation and auditing straightforward for businesses and accountants.
Contact
Branch phone no: 9771464338
Branch Address: BHABHUA, Kaimur (Bhabua), 821101
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777
FAQs
Q1: Can I use the old UBGB or DBGB IFSC code for transfers?
No. Old UBGB and DBGB IFSC codes have been revoked after the merger. Use only PUNB0MBGB06 for transactions to this branch.
Q2: Is IFSC case-sensitive?
No. IFSC is not case-sensitive, but every character must be correct. Typing errors will route or reject the payment.
Q3: Where else can I find the IFSC for this branch?
Check the cheque leaf, passbook, bank branch noticeboard, or ask the branch directly at 9771464338. The head office and official bank communications also list the valid IFSC.
Q4: My transfer shows as pending. What should I do?
Note the transaction reference or UTR. Contact your bank with that reference and the time of transfer. If necessary, contact the beneficiary branch at 9771464338 and provide the UTR so they can trace the credit.
Q5: What is the MICR code used for and how is it different from IFSC?
MICR (Magnetic Ink Character Recognition) code, here 800811002, is primarily used for cheque clearing. IFSC routes electronic transactions like NEFT, RTGS and IMPS. Both are different and serve separate clearing systems.
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.