The Bihar Gramin Bank branch at FAKHRABAD is located in Kaimur (Bhabua), Bihar (PIN 821103). This branch serves retail and rural customers for deposits, withdrawals and fund transfers. For electronic transfers (NEFT, RTGS, IMPS) the correct IFSC code is essential. The IFSC ensures the payment routes to the exact bank and branch and prevents delays or failed transfers.
Branch Details Table
| Bank Name | Bihar Gramin Bank |
| Branch Name | FAKHRABAD |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 6945 |
| Branch Address | FAKHRABAD, Kaimur (Bhabua), 821103, 7091596945 |
| Contact Number | 7091596945 |
| City | Kaimur (Bhabua) |
| District | Kaimur (Bhabua) |
| Reason | BHABHUA |
| Pincode | 821103 |
| State | Bihar |
Merger Update
Important: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged into a single entity operating under Punjab National Bank’s sponsorship. All branches from these merged banks now use the IFSC PUNB0MBGB06 for electronic transfers. Old IFSC codes issued to UBGB or DBGB branches have been revoked. Use only the new IFSC PUNB0MBGB06 when making NEFT, RTGS or IMPS transfers to this branch to avoid failed or delayed transactions.
What is IFSC Code?
The Indian Financial System Code (IFSC) is an 11-character alphanumeric code. It directs electronic payments to a specific bank branch.
- First 4 characters = bank identifier. Example: PUNB stands for Punjab National Bank.
- 5th character = always 0 (reserved for future use).
- Last 6 characters = branch identifier. In this case MBGB06 (part of the code PUNB0MBGB06) identifies the FAKHRABAD branch after the merger.
How to Use IFSC Code
- Open your bank’s netbanking or mobile app and go to the “Add Beneficiary” or “Fund Transfer” section.
- Enter beneficiary name exactly as in their bank account and the account number.
- Enter the IFSC PUNB0MBGB06 and verify branch details shown by the app.
- Select the transfer type: NEFT, RTGS or IMPS. Choose RTGS for large-value payments (check your bank for current limits). Use IMPS for instant transfers any time. NEFT is available in batches and is commonly used for routine transfers.
- Confirm the amount and any remarks, then authorize using OTP or netbanking token.
- Always double-check the IFSC and account number before confirming. If you are unsure, call the branch at 7091596945 to verify.
Benefits of Knowing the IFSC
- Ensures funds reach the correct branch and account without delay.
- Prevents failed transfers and reduces reconciliation issues.
- Needed to add beneficiaries for NEFT, RTGS and IMPS in online banking.
- Helps customer service quickly locate the branch for transaction queries.
- Essential for automated payments like vendor payouts and salary transfers.
Contact
Branch phone: 7091596945
Branch address: FAKHRABAD, Kaimur (Bhabua), 821103
Head office address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free: 18001807777
FAQs
Q: Is PUNB0MBGB06 the only valid IFSC for this branch after the merger?
A: Yes. After the merger of UBGB and DBGB under Punjab National Bank, this branch uses PUNB0MBGB06. Old IFSCs from UBGB/DBGB are revoked.
Q: What happens if I enter the wrong IFSC but correct account number?
A: Typically the payment is routed based on IFSC and account number together. If IFSC does not match the account database, the transfer may fail or be returned. Contact your bank immediately if a mistake is suspected.
Q: Which service should I choose: NEFT, RTGS or IMPS?
A: Use IMPS for instant transfers (available 24/7) and usually for small-to-medium amounts. Use RTGS for large-value transfers where your bank supports it. NEFT is standard for many routine transfers; it may process in batches. Check your bank’s cut-offs and limits.
Q: How can I verify this IFSC before making a transfer?
A: Verify by calling the branch at 7091596945 or the head office toll-free number 18001807777. You can also confirm through your bank’s beneficiary validation feature during the add-beneficiary step.
Q: What is the MICR code used for?
A: MICR (Magnetic Ink Character Recognition) code like 800811002 is mainly used for processing physical cheques. It helps the clearing system identify the bank and branch for cheque settlement.
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.