Bihar Gramin Bank CHARH IFSC Code

Bihar Gramin Bank CHARH IFSC Code

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CHARH is a village branch in Jehanabad district, Bihar. It serves local residents and traders for deposits, withdrawals and fund transfers. For electronic payments — NEFT, RTGS and IMPS — the branch’s IFSC code is required. The IFSC ensures your transfer routes to the correct bank and branch and prevents delays or failed transactions.

Branch Details

Bank Name Bihar Gramin Bank
Branch Name CHARH
IFSC Code PUNB0MBGB06
MICR Code 800811002
Branch Code 6977
Branch Address CHARH, Jehanabad, 804427, 7070196977
Contact Number 7070196977
City Jehanabad
District Jehanabad
Reason Patna
Pincode 804427
State Bihar

Merger Update

Background: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) were reorganized under a common sponsor, Punjab National Bank. They now operate under the single IFSC code PUNB0MBGB06 for this branch.

Important: Old UBGB IFSC codes have been revoked. Use only PUNB0MBGB06 for NEFT, RTGS and IMPS to this branch. Transactions sent to deprecated IFSCs will fail or be returned.

What is IFSC Code?

The Indian Financial System Code (IFSC) is an 11-character alphanumeric code. It uniquely identifies a bank branch for electronic transfers. The structure is:

  • First 4 characters — bank code (alphabetic). Example: PUNB = Punjab National Bank.
  • 5th character — always 0. It is reserved for future use.
  • Last 6 characters — branch identifier (alphanumeric). Example: MBGB06 in PUNB0MBGB06 identifies this specific branch under the sponsor bank structure.

How to Use IFSC Code for NEFT, RTGS, IMPS

  • Get the beneficiary’s exact bank name, account number and IFSC (PUNB0MBGB06 for CHARH branch).
  • Log in to your net banking, mobile banking app or UPI-enabled app. For branch visits, use the IMPS/NEFT/RTGS form at the counter.
  • Select transfer type: IMPS for instant small-value transfers (24×7), NEFT for non-real-time batch transfers, RTGS for high-value real-time gross settlement (RTGS minimum typically ₹200,000; confirm with your bank).
  • Enter beneficiary name, account number, IFSC code (PUNB0MBGB06), and amount.
  • Verify the beneficiary details shown by the system. A mismatch means do not proceed.
  • Confirm and authenticate the transaction (OTP, MPIN or bank token). Save the transaction reference number.
  • If a transaction fails, contact the sending bank with the reference number. The receiving branch details above will help them trace it.

Benefits of Knowing the IFSC

  • Ensures electronic funds reach the exact branch. It avoids wrong-credit delays.
  • Required for NEFT, RTGS and IMPS. Transactions without it are not processed.
  • Makes beneficiary validation automatic in online banking. This reduces errors.
  • Helps customer service trace and resolve failed transfers quickly.
  • Useful when filling bank forms, receiving salaries, vendor payments, or refunds.

Contact

Branch phone no: 7070196977

Branch Address: CHARH, Jehanabad, 804427, 7070196977

Head office address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR

Toll free no: 18001807777

FAQs

  • Q: Can I use the branch name instead of IFSC for NEFT/RTGS?

    A: No. The bank and branch name alone are not sufficient. The IFSC uniquely directs the electronic message to the correct branch systemically.

  • Q: What happens if I use an old UBGB IFSC?

    A: Old UBGB IFSC codes have been revoked after the merger. Transfers to revoked IFSCs will fail or be returned. Use PUNB0MBGB06 for CHARH branch.

  • Q: How do I verify that IFSC PUNB0MBGB06 is correct?

    A: Cross-check the IFSC shown on a cheque leaf, passbook, or by calling the branch at 7070196977. Also confirm beneficiary details during online validation before sending funds.

  • Q: Is MICR the same as IFSC?

    A: No. MICR (Magnetic Ink Character Recognition) code like 800811002 is used for cheque processing. IFSC is used for electronic fund transfers.

  • Q: Can IMPS, NEFT and RTGS be used 24×7?

    A: IMPS is available 24×7. NEFT now runs in hourly batches nearly 24×7, but timings may vary by bank. RTGS is typically available most of the day; minimum transfer limits apply (commonly ₹2,00,000). Always confirm limits and cut-off times with your sending bank.

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