Bihar Gramin Bank Chikna IFSC Code

Bihar Gramin Bank, Chikna branch is located in Chikna, Madhubani district, Bihar (pincode 847402). The IFSC code is essential for sending or receiving money through NEFT, RTGS and IMPS. Banks use the IFSC to route electronic transfers to the correct bank and branch. Entering the correct IFSC helps your payment reach the intended beneficiary quickly and without rejection.

Branch Details

Bank Name	Bihar Gramin Bank
Branch Name	Chikna
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	100342
Branch Address	Chikna, MADHUBANI, 847402, 9297954917
Contact Number	9297954917
City	MADHUBANI
District	MADHUBANI
Reason	JHANJHARPUR
Pincode	847402
State	Bihar

Merger Update

Note on merged banks: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged under Punjab National Bank for operating purposes. Both former banks now use a single IFSC code for routing: PUNB0MBGB06. Old UBGB and DBGB IFSC codes are revoked. Only the new IFSC PUNB0MBGB06 is valid for electronic transfers to accounts migrated under this arrangement. Always confirm the current IFSC with the beneficiary before sending funds.

What is IFSC Code?

The IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to identify bank branches in electronic fund transfers. The structure is:

• First 4 characters: Bank code (letters). Example: PUNB = Punjab National Bank.
• 5th character: Always 0 (reserved).
• Last 6 characters: Branch identifier. Example: MBGB06 points to the specific branch.

How to Use IFSC Code (NEFT, RTGS, IMPS)

• Open your bank’s online portal or mobile app. You can also use the branch or ATM for some services.
• Choose the transfer type: NEFT, RTGS or IMPS. (NEFT: any amount; RTGS: typically ₹2,00,000 minimum; IMPS: instant, often up to bank limits.)
• Enter beneficiary details: name, account number, and the IFSC code PUNB0MBGB06 for Bihar Gramin Bank Chikna.
• Type the transfer amount and add a remark if required.
• Verify details carefully. A wrong IFSC or account number can delay or block the transfer.
• Authenticate the transaction using OTP, MPIN or transaction password as required by your bank.
• Save or note the transaction reference for tracking or inquiries.

Benefits of Knowing the IFSC

• Ensures funds route to the correct bank branch for NEFT, RTGS and IMPS.
• Reduces rejects and return charges caused by incorrect branch details.
• Needed for setting up beneficiaries and scheduled/recurring transfers.
• Helps customer service locate payments quickly using the IFSC and transaction reference.
• Useful when filling forms, receiving remittances, or reconciling accounts.

Contact

Branch phone: 9297954917

Branch address: Chikna, MADHUBANI, 847402

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

Toll free: 18001807777

FAQs

• Q: How can I confirm this IFSC before sending money?

  A: Confirm via the beneficiary’s bank passbook, cheque leaf, or directly with the branch (phone 9297954917). You can also ask the beneficiary to verify from their bank’s customer support or official communication.

• Q: What happens if I enter the wrong IFSC?

  A: If the IFSC does not match the account number, the transfer will usually be rejected and refunded. If the IFSC points to another valid branch and the account number exists there, funds could be misdirected. Always double-check both the account number and IFSC.

• Q: What is the MICR code and do I need it for electronic transfers?

  A: MICR (Magnetic Ink Character Recognition) code — here 800811002 — is used for cheque clearing. It is not required for NEFT/RTGS/IMPS, but useful for cheque processing and reconciliation.

• Q: Can I send money to this branch using IMPS at any time?

  A: Yes. IMPS is an instant 24×7 service. Use the account number and IFSC PUNB0MBGB06 (or MMID if you have it) to complete the transaction. Banks may apply transaction limits—check with your bank.

• Q: Why did the IFSC change after the merger?

  A: After UBGB and DBGB consolidated operations under Punjab National Bank systems, the routing code was standardized. Old IFSC codes for the merged entities were revoked and replaced by the unified IFSC PUNB0MBGB06 to route transactions through the acquiring bank’s network.