Bihar Gramin Bank Kahua IFSC Code

Kahua is a village branch of Bihar Gramin Bank located in Munger (Monghyr) district of Bihar (PIN 813221). This IFSC information is needed when you transfer money to or from this branch using NEFT, RTGS or IMPS. The IFSC routes electronic payments to the exact bank and branch, so using the correct code helps ensure fast, accurate transfers and avoids delays or return transactions.

Branch Details

Merger Update

This branch now operates under the single IFSC code PUNB0MBGB06 issued by Punjab National Bank (PNB). Both Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged into the Punjab National Bank arrangement for these regional rural bank branches. Old UBGB and DBGB IFSC codes have been revoked. For all NEFT/RTGS/IMPS transactions to this branch use only the new IFSC PUNB0MBGB06. Transactions attempted with revoked codes may be rejected or delayed.

What is IFSC Code?

IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code used to route electronic payments. The structure is:

• First 4 characters — identify the bank (for example, PUNB = Punjab National Bank).
• 5th character — always 0 (reserved for future use).
• Last 6 characters — identify the branch (for example, MBGB06 in PUNB0MBGB06).

The IFSC uniquely directs NEFT/RTGS/IMPS payments to the correct bank and branch. The MICR code (here 800811002) is different: it is used mainly for cheque clearing through the banking clearing house.

How to Use IFSC Code

• Open your bank’s netbanking app or UPI/IMPS channel. Select the transfer type: NEFT, RTGS or IMPS.
• Add a new beneficiary by entering the beneficiary name and the full account number.
• Enter the IFSC exactly as PUNB0MBGB06 for Bihar Gramin Bank, Kahua branch.
• Verify the beneficiary details shown by your bank (bank name and branch). Confirm before saving.
• Initiate the transfer: enter amount and any remarks, then authenticate with OTP/password/2FA as required.
• Check and note the transaction reference number. For NEFT/RTGS you can track with that number if needed.
• For time-sensitive or high-value transfers, confirm any bank cut-off times or charges with your bank. IMPS is usually instant and available 24×7, while RTGS is used for real-time settlement of larger amounts. NEFT is available for regular electronic transfers.

Benefits of Knowing the IFSC

• Ensures funds reach the correct bank branch quickly.
• Prevents failed or returned transactions due to wrong routing.
• Required to add beneficiaries for NEFT, RTGS and IMPS transfers.
• Helps verify bank and branch identity before sending money.
• Useful for cheque reconciliation (paired with MICR) and corporate payments.

Contact

Branch phone no: 7061383147
Branch Address: Kahua, Munger (Monghyr), 813221, Bihar
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777

FAQs

• Q: Is PUNB0MBGB06 the only valid IFSC for this branch?

  A: Yes. After the merger, the valid IFSC for this Kahua branch is PUNB0MBGB06. Old UBGB/DBGB IFSCs are revoked and should not be used.

• Q: Can I find IFSC on a cheque leaf?

  A: Yes. Most cheque leaves show the IFSC in the top-right or near the MICR band, and the MICR number is printed on the bottom. If not present, confirm with the branch.

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

  A: If the IFSC does not match the account’s bank mapping, the transaction may fail or be returned. In rare cases, if the incorrect IFSC routes to another valid branch that has the same account number, funds could be misdirected. Always verify bank name and branch before confirming the transfer.

• Q: Is IFSC case-sensitive?

  A: No. IFSC is not case-sensitive, but enter it exactly (letters and digits) without extra spaces to avoid errors.

• Q: Should I share my IFSC publicly?

  A: Sharing your IFSC alone is generally safe because it identifies the bank branch only. Do not share your full account number, PINs, passwords or OTPs. Those can be used to compromise your account.

Kriti Kumari

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.