The Bihar Gramin Bank branch at CHEHARIYA is located in Kaimur (Bhabua), Bihar, PIN 821105. The branch serves local residents and businesses in and around Chehriya. For electronic fund transfers (NEFT, RTGS, IMPS), the correct IFSC code is essential. IFSC tells the payment system which bank and which specific branch should receive the funds. A wrong or outdated IFSC delays or blocks transfers and can require manual intervention to recover funds.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | CHEHARIYA |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 7340 |
| Branch Address | CHEHARIYA, Kaimur (Bhabua), 821105, 9771464340 |
| Contact Number | 9771464340 |
| City | Kaimur (Bhabua) |
| District | Kaimur (Bhabua) |
| Reason | BHABHUA |
| Pincode | 821105 |
| State | Bihar |
Merger Update
Note on the regional rural banks in Bihar: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been restructured under Punjab National Bank. All branches that were previously using UBGB or DBGB IFSC codes now use the single IFSC PUNB0MBGB06 under Punjab National Bank. Old UBGB and DBGB IFSC codes are revoked. For fund transfers, use only the new IFSC PUNB0MBGB06. Transfers made to revoked IFSCs will not complete and will need corrective steps.
What is an IFSC Code?
IFSC stands for Indian Financial System Code. It is an 11-character code used to route electronic payments to the correct bank branch. The structure is:
- First 4 characters: alphabetic bank code (example: PUNB = Punjab National Bank).
- 5th character: always the digit 0 (reserved for future use).
- Last 6 characters: branch identifier (alphanumeric). In PUNB0MBGB06, MBGB06 identifies the specific branch unit.
How to Use IFSC Code for NEFT, RTGS, IMPS
- Open your bank app or internet banking portal. Choose the transfer method (NEFT/RTGS/IMPS). IMPS is instant up to limits; NEFT/RTGS timing and limits differ by bank.
- Select or add a beneficiary. Enter beneficiary name exactly as on the account.
- Enter the beneficiary account number. Double-check digits.
- Enter the IFSC code: PUNB0MBGB06 for Bihar Gramin Bank, CHEHARIYA branch.
- Verify bank and branch details shown by the app. Confirm the bank name and city before proceeding.
- Enter amount and any remarks. For RTGS, ensure you meet the minimum amount the bank requires.
- Authenticate the transaction with OTP, PIN, or two-factor method required by your bank.
- Keep the transaction reference. Check beneficiary account after the expected settlement time.
Benefits of Knowing the Correct IFSC
- Avoid failed or returned transfers. Correct IFSC routes funds directly to the right branch.
- Faster settlement. NEFT/RTGS/IMPS systems use IFSC to find the beneficiary bank quickly.
- Reduced manual intervention. Banks need less time to trace transfers when IFSC is accurate.
- Secure beneficiary addition. Many banks validate IFSC and display branch name before you confirm.
- Helps vendors and payroll. Employers and payment platforms require IFSC for direct credit.
Contact
Branch phone no: 9771464340
Branch Address: CHEHARIYA, Kaimur (Bhabua), 821105
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777
FAQs
Q: Is PUNB0MBGB06 the only valid IFSC for this branch?
A: Yes. Use PUNB0MBGB06 for electronic transfers to this branch. Old regional IFSCs that belonged to UBGB/DBGB have been revoked and should not be used.
Q: Can I transfer money without IFSC?
A: For NEFT and RTGS, no. IFSC is mandatory to route payments. IMPS can sometimes use mobile-to-mobile routing or MMID, but most bank apps require IFSC plus account number. Always confirm with your bank.
Q: How do I confirm that the IFSC is correct before sending?
A: Enter the IFSC and account number in your bank app. The app normally displays the beneficiary bank and branch name. Verify that it shows CHEHARIYA, Kaimur (Bhabua) or the branch name before confirming.
Q: What if I used the old UBGB IFSC by mistake?
A: If the old IFSC is revoked, the transfer will likely fail or be returned to your account. Contact your bank immediately with the transaction reference. Provide correct IFSC (PUNB0MBGB06) so the payment can be reinitiated.
Q: How is the branch code derived from the IFSC?
A: The branch code is the last six characters of the IFSC. In PUNB0MBGB06, the last six characters (MBGB06) identify the branch. Some banks also supply a separate numeric branch code; here the branch code is listed as 7340.
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.