Chandpur is a rural branch location in Katihar district, Bihar (Pincode 855105). This article outlines the key details for Bihar Gramin Bank, Chandpur branch, and explains why the IFSC code is essential when you transfer funds using NEFT, RTGS or IMPS. The IFSC uniquely identifies the bank and branch in electronic payments. Using the correct IFSC ensures money is routed to the right account and avoids delays or failed transactions.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Chandpur. |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100742 |
| Branch Address | Chandpur., KATIHAR, 855105, 9297954135 |
| Contact Number | 9297954135 |
| City | KATIHAR |
| District | KATIHAR |
| Reason | PURNEA |
| Pincode | 855105 |
| State | Bihar |
Merger Update
Important: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged into a single entity under the sponsor bank, Punjab National Bank. After the merger, transactions for the merged rural bank branches use the IFSC PUNB0MBGB06 (the PUNB prefix shows Punjab National Bank). All older UBGB IFSC codes have been revoked. Use only the new IFSC PUNB0MBGB06 for NEFT, RTGS and IMPS. Transactions attempted with revoked (old UBGB/DBGB) IFSCs may fail or be delayed.
What is IFSC Code?
The IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to identify a specific bank branch in electronic payments.
- Characters 1–4: Bank code (letters). Example: PUNB = Punjab National Bank.
- Character 5: Always 0 (reserved).
- Characters 6–11: Branch code (letters or numbers). Example: MBGB06 in PUNB0MBGB06.
How to Use IFSC Code
- Open your bank’s netbanking, mobile app or visit the branch for a fund transfer.
- Choose the transfer type: NEFT, RTGS or IMPS.
- Enter beneficiary details: name, account number, and the IFSC code PUNB0MBGB06 for Bihar Gramin Bank, Chandpur.
- Verify the beneficiary name that the system shows after you enter the IFSC and account number. Do not proceed if the name does not match.
- Enter the transfer amount and purpose. For RTGS, check your bank’s minimum limit (commonly used for higher-value transfers). IMPS is instant and available 24×7; NEFT is available round-the-clock but settlement time may vary by bank.
- Confirm and authenticate the transaction using OTP, transaction password or UPI PIN as required by your bank.
- Save the transaction reference number. If there is a problem, use this reference to track or raise a query.
Benefits of Knowing the IFSC
- Ensures accurate routing of electronic funds to the correct branch and account.
- Reduces failed transfers and processing delays.
- Required for all NEFT, RTGS and IMPS transfers—prevents incorrect beneficiary mapping.
- Helps customer support trace and resolve transfer issues quickly using IFSC and branch code.
- Useful when filling forms for salary credits, vendor payments or government receipts linked to the branch.
Contact
Branch phone no: 9297954135
Branch Address: Chandpur., KATIHAR, 855105
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777
FAQs
Q: How do I confirm the IFSC before making a transfer?
A: Check the IFSC printed on the passbook or cheque leaf for the branch. Confirm the IFSC shown in your bank’s beneficiary add screen after entering account number. For merged banks, verify with the sponsor bank (Punjab National Bank) or the branch phone.
Q: Can I use the old UBGB or DBGB IFSC for transfers?
A: No. Old UBGB and DBGB IFSC codes have been revoked after the merger. Use the new IFSC PUNB0MBGB06 for all transfers to this branch.
Q: What happens if I enter a wrong IFSC?
A: If the IFSC does not match the account number, the transfer may fail or return to the sender. In some cases, funds can be routed to an unintended account if account number and IFSC combination match another account—so always verify beneficiary name shown by your bank. If money is misdirected, contact your bank immediately to raise a trace and recovery request.
Q: Which payment method should I use—NEFT, RTGS or IMPS?
A: Use RTGS for high-value, urgent transfers (check bank minimums). Use NEFT for non-urgent transfers of any value; NEFT settlement is continuous but timing can vary. Use IMPS for instant 24×7 transfers for small to medium amounts (bank limits apply). Confirm limits and charges with your bank.
Q: How long does a transfer to this branch take?
A: IMPS is immediate (seconds). NEFT and RTGS are processed quickly but timing depends on your bank’s processing and cut-off times. For urgent high-value transfers, choose RTGS. Keep the transaction reference to track progress.
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.