Bihar Gramin Bank, CHIKSAURA branch is located in CHIKSAURA village in Nalanda district, Bihar (PIN 801302). For electronic fund transfers like NEFT, RTGS and IMPS you must provide the correct IFSC code. The IFSC identifies the bank and the exact branch in the payment network and ensures funds route to the right beneficiary account without delays or reversals.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | CHIKSAURA |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 7151 |
| Branch Address | CHIKSAURA, Nalanda, 801302, 9771464151 |
| Contact Number | 9771464151 |
| City | Nalanda |
| District | Nalanda |
| Reason | BIHARSHARIF |
| Pincode | 801302 |
| State | Bihar |
Merger Update
Important: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) were consolidated under the sponsorship of Punjab National Bank. As a result, branches previously operating under UBGB or DBGB use a single IFSC under Punjab National Bank. The valid IFSC for this branch is PUNB0MBGB06. Old UBGB or DBGB IFSC codes have been revoked and should not be used. Always use the new IFSC (PUNB0MBGB06) for any electronic transfer to this branch.
What is IFSC Code?
The IFSC (Indian Financial System Code) is an 11-character code used to route electronic payments to specific bank branches in India.
- First 4 characters — identify the bank. Example: PUNB = Punjab National Bank.
- 5th character — is always 0 (reserved for future use).
- Last 6 characters — identify the specific branch. Example: in PUNB0MBGB06 the last six characters are MBGB06, which maps to this branch within the bank’s coding system.
Note: The bank’s internal numeric branch code (here listed as 7151) is a separate identifier used by the bank. The IFSC’s last six characters are the standard identifier used for electronic transfers.
How to Use IFSC Code (NEFT / RTGS / IMPS)
- Open your bank’s netbanking/mobile app and go to “Add Beneficiary” or “Send Money”.
- Enter beneficiary name and account number exactly as on the bank records.
- Enter the IFSC code: PUNB0MBGB06. Make sure the bank name shown matches Punjab National Bank / Bihar Gramin Bank (CHIKSAURA).
- Save the beneficiary (most banks will ask for validation/OTP). Double-check the IFSC and account number before confirming.
- Select the transfer type:
- IMPS — immediate and available 24×7; suitable for small, urgent transfers.
- NEFT — electronic funds transfer; available 24×7 (batch settlements may apply for some banks).
- RTGS — for large-value payments; now generally available 24×7, but check your bank’s high-value limits and any same-day cut-off policies.
- Enter amount and confirm. Keep the transaction reference/UTR for tracking.
- If the system flags a mismatch between IFSC and bank name, stop and verify with the beneficiary or the branch before proceeding.
Benefits of Knowing the IFSC Code
- Ensures electronic transfers (NEFT/RTGS/IMPS) go to the correct branch and account.
- Reduces failed or returned transactions due to wrong routing.
- Speeds up reconciliation — UTR/transaction reference ties to the correct branch.
- Required for online beneficiary setup in banking apps and third-party payment services.
- Helps customer service and banks locate transactions quickly when you report issues.
Contact
Branch Phone: 9771464151
Branch Address: CHIKSAURA, Nalanda, 801302
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll Free: 18001807777
FAQs
Q: How can I verify that PUNB0MBGB06 is correct before sending money?
A: Confirm the IFSC and branch name with the beneficiary or call the branch phone (9771464151). When you enter the IFSC in your bank’s transfer screen, the bank name should display. If the displayed bank/branch doesn’t match, stop and verify.
Q: What happens if I enter the wrong IFSC but correct account number?
A: Most clearing systems route by IFSC to the branch and then match the account number. If IFSC points to a different branch, the transfer may go to the wrong branch and likely fail if the account number does not exist there. If a mismatch occurs, funds can be returned or require manual resolution — this can take several days. Always double-check both IFSC and account number.
Q: Can IFSC change after a merger or branch restructuring?
A: Yes. During mergers or when sponsor banks change, old IFSCs can be revoked and new IFSCs issued. In this case, UBGB and DBGB branches were consolidated under Punjab National Bank’s coding and the valid IFSC is now PUNB0MBGB06. Do not use old UBGB/DBGB IFSCs.
Q: What is the difference between IFSC and MICR?
A: IFSC is used for electronic transfers (NEFT/RTGS/IMPS) and identifies the bank branch on payment systems. MICR (Magnetic Ink Character Recognition) is a 9-digit code used mainly for cheque processing and clearing. Both identify branches but serve different clearing channels.
Q: If the beneficiary’s bank is listed as Bihar Gramin Bank but IFSC starts with PUNB, is that normal?
A: Yes. After sponsorship or consolidation under a larger bank (here, Punjab National Bank), IFSC codes will use the sponsor bank’s prefix (PUNB). The branch still serves local customers as Bihar Gramin Bank but electronic routing uses the sponsor bank’s code.
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.