DIRKHILI is a branch of Bihar Gramin Bank located in Kaimur (Bhabua), Bihar (PIN 821109). This branch serves retail and rural customers in and around Bhabua. For electronic fund transfers — NEFT, RTGS and IMPS — the IFSC code uniquely identifies the bank and branch. Using the correct IFSC ensures the payment routes to the intended branch without delay or reversal.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | DIRKHILI |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 7351 |
| Branch Address | DIRKHILI, Kaimur (Bhabua), 821109, 9771464351 |
| Contact Number | 9771464351 |
| City | Kaimur (Bhabua) |
| District | Kaimur (Bhabua) |
| Reason | BHABHUA |
| Pincode | 821109 |
| State | Bihar |
Merger Update
Important: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) were reorganized and consolidated under a single banking arrangement. As a result, the branches that previously used UBGB or DBGB IFSC codes now operate under a single IFSC code PUNB0MBGB06 issued under Punjab National Bank. Old UBGB and DBGB IFSC codes have been revoked. For any electronic transfer to DIRKHILI branch use only PUNB0MBGB06. Attempts to use the old codes will fail or be returned.
What is IFSC Code?
The IFSC (Indian Financial System Code) is an 11-character alphanumeric code. It has three parts:
- First 4 characters — bank identifier. Example: PUNB = Punjab National Bank style code.
- 5th character — always the numeral 0 (reserved for future use).
- Last 6 characters — branch identifier. Example: MBGB06 identifies the DIRKHILI branch in this merged arrangement.
Example: PUNB0MBGB06 parses as PUNB (bank) + 0 + MBGB06 (branch).
How to Use IFSC Code
Use the IFSC when adding a beneficiary in your internet or mobile banking, or while filling an electronic transfer form at the bank counter. Follow these steps:
- Choose the transfer type: NEFT, RTGS or IMPS in your bank’s transfer menu.
- Select “Add Beneficiary” and enter beneficiary name and account number exactly as provided by the recipient.
- Enter the IFSC code: PUNB0MBGB06 for Bihar Gramin Bank, DIRKHILI.
- Optionally add branch name or address to help identification: DIRKHILI, Kaimur (Bhabua), 821109.
- Save beneficiary. Your bank may require approval or a cooling period before first use.
- Initiate the transfer, select the saved beneficiary, enter the amount, verify details and confirm with OTP/2FA.
- Keep the transaction reference. Check beneficiary account credit status after the transfer.
Notes:
- IMPS is real-time and available round-the-clock. NEFT now operates extended hours in many banks. RTGS is for higher-value, real-time gross settlement — check your bank’s cut-off times.
- Always verify the IFSC and account number before confirming. Banks rely on the IFSC to route the payment to the correct branch.
Benefits of Knowing the IFSC
- Faster, error-free electronic transfers (NEFT, RTGS, IMPS).
- Avoids returns and delays caused by incorrect routing.
- Needed when adding beneficiaries in internet/mobile banking.
- Helps customer support trace a payment using branch code and MICR.
- Useful for verifying branch identity before large transfers.
Contact
Branch Phone: 9771464351
Branch Address: DIRKHILI, Kaimur (Bhabua), 821109
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll Free: 18001807777
FAQs
Q: Is PUNB0MBGB06 the only valid IFSC for DIRKHILI?
A: Yes. Use only PUNB0MBGB06 for electronic transfers to DIRKHILI branch. Old UBGB/DBGB IFSCs are revoked after the merger.
Q: What is the difference between IFSC and MICR?
A: IFSC routes electronic transfers (NEFT/RTGS/IMPS). MICR (Magnetic Ink Character Recognition) helps in processing paper cheques through clearing houses. MICR for DIRKHILI is 800811002.
Q: What happens if I enter the wrong IFSC?
A: If the IFSC points to another valid branch, funds may route to the wrong branch. If the code is invalid, the transfer will usually be returned. Always verify both IFSC and account number before sending funds.
Q: Can I use only account number and name without IFSC?
A: No. For electronic transfers you must provide the IFSC so the banking system can route the payment to the correct branch. Some banks and services may allow transfers using UPI (which uses virtual IDs) without IFSC.
Q: How can I verify the IFSC before making a transaction?
A: Confirm the IFSC from an official bank document (passbook, cheque leaf) or by calling the branch at 9771464351. You can also ask the recipient to quote the IFSC printed in their passbook.
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.