Kabirchak is a branch of Bihar Gramin Bank located in Darbhanga district of Bihar (PIN 846009). For anyone sending or receiving money from this branch, using the correct IFSC is essential. The IFSC directs NEFT, RTGS and IMPS payments to the exact bank and branch. A wrong or old IFSC can delay transfers, cause returns, or require manual intervention.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Kabirchak |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100489 |
| Branch Address | Kabirchak, DARBHANGA, 846009, 9297955107 |
| Contact Number | 9297955107 |
| City | DARBHANGA |
| District | DARBHANGA |
| Reason | DARBHANGA |
| Pincode | 846009 |
| State | Bihar |
Merger Update
Note on recent changes: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been reorganized under Punjab National Bank. All affected branches now operate using the single IFSC PUNB0MBGB06 under Punjab National Bank. Old UBGB and DBGB IFSC codes have been revoked and are no longer valid for NEFT/RTGS/IMPS transactions. Always use PUNB0MBGB06 for transfers to the Kabirchak branch.
What is IFSC Code?
IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code used to identify bank branches for electronic fund transfers. Structure:
- First 4 characters – identify the bank (example: PUNB = Punjab National Bank).
- 5th character – is reserved and is always 0.
- Last 6 characters – identify the specific branch (example: MBGB06 for this branch code segment).
So PUNB0MBGB06 breaks down as: PUNB (PNB) + 0 + MBGB06 (branch identifier).
How to Use IFSC Code for NEFT, RTGS, IMPS
- Open your bank’s fund transfer page (internet banking, mobile app, or visit a branch).
- Select the transfer type: NEFT (any amount), RTGS (for high-value transfers; typically transactions ≥ ₹2,00,000), or IMPS (instant, usually up to bank-set limits).
- Enter beneficiary details: name, account number, and IFSC PUNB0MBGB06. Verify the branch name (Kabirchak, Darbhanga) shown after entering IFSC.
- Enter amount and purpose, then authenticate (OTP, transaction password, or UPI PIN as applicable).
- Review beneficiary and IFSC before confirming. Save the beneficiary for future transfers if needed.
- Keep the transaction reference number until funds reflect or you get confirmation.
Benefits of Knowing the Correct IFSC
- Directs funds to the exact branch and reduces delays.
- Prevents failed transfers and return charges.
- Required for online banking, payroll, vendor payments, and refunds.
- Allows quick beneficiary setup in banking apps.
- Helps bank staff trace and reconcile transactions using branch code and MICR.
Contact
Branch Phone: 9297955107
Branch Address: Kabirchak, DARBHANGA, 846009
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll Free: 18001807777
FAQs
Q: Is PUNB0MBGB06 the only valid IFSC for Kabirchak branch?
A: Yes. PUNB0MBGB06 is the valid IFSC to use now. Old IFSC codes from UBGB/DBGB have been revoked after merger and should not be used.
Q: How can I verify the IFSC before making a transfer?
A: Enter the IFSC in your bank’s transfer form; the system usually displays the bank and branch name. Alternatively, confirm with the branch phone (9297955107) or check bank-provided documentation before sending funds.
Q: What happens if I enter a wrong IFSC?
A: If the wrong IFSC points to another valid branch, funds may go to that branch and need recovery steps, which can be slow. If the IFSC is invalid, the transaction will fail and monies will be returned to your account after processing.
Q: Are NEFT, RTGS and IMPS timings different?
A: NEFT operates in batch settlements across the day (nearly round-the-clock in recent systems), RTGS processes high-value transactions in real time (during bank working hours; large-value cutoff rules apply), and IMPS is usually instant 24×7. Check your bank for exact cutoffs and maintenance windows.
Q: Can I use this IFSC for inward and outward transfers?
A: Yes. Use PUNB0MBGB06 for sending money to accounts held at Kabirchak and for any transfers originating from this branch via electronic channels.
Q: Who do I contact if a transfer to this branch fails or is delayed?
A: First contact the remitting bank with your transaction reference. You can also call the Kabirchak branch at 9297955107 or the head office/toll-free at 18001807777 for escalation.
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.