Bihar Gramin Bank Kaitha IFSC Code

Kaitha is a village/market locality in Jamui district, Bihar (Pincode 805101). This page lists the IFSC and branch details for Bihar Gramin Bank, Kaitha branch. IFSC (Indian Financial System Code) is essential when sending or receiving funds through NEFT, RTGS and IMPS. A correct IFSC ensures the transfer routes to the exact bank and branch and avoids delays or reversals.

Branch Details

Merger Update

The rural banks in Bihar were reorganised. Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged into a single entity under Punjab National Bank’s sponsorship. As part of that consolidation, the combined branches now use the IFSC PUNB0MBGB06. Any older IFSC codes issued to UBGB or DBGB branches have been revoked. For fund transfers, only the new IFSC PUNB0MBGB06 is valid. If you see an older UBGB/DBGB IFSC on forms or passbooks, update it to this current IFSC before initiating NEFT/RTGS/IMPS transactions.

What is IFSC Code?

IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code used to uniquely identify a bank branch for electronic payments. Structure:

• First 4 characters: bank code (alphabetic). Example: PUNB = Punjab National Bank.
• 5th character: always 0 (reserved for future use).
• Last 6 characters: branch identifier (alphanumeric). Example: MBGB06 in PUNB0MBGB06.

So for PUNB0MBGB06: bank = PUNB, reserved = 0, branch code = MBGB06.

How to Use IFSC Code (NEFT / RTGS / IMPS)

• Collect beneficiary details: beneficiary name, account number, bank name, branch name and IFSC. For this branch use PUNB0MBGB06.
• Log in to your bank’s netbanking or mobile app and choose the payment type: NEFT, RTGS or IMPS.
• Add a new beneficiary. Enter the exact account number and the IFSC PUNB0MBGB06. Select the correct branch (Kaitha, Jamui) if prompted.
• Verify beneficiary details. Many banks require approval (SMS or in-branch) before first-time transfers.
• Initiate transfer: select the added beneficiary, enter amount and remarks, then confirm using OTP/transaction password.
• Note cut-off and limits: RTGS is for high-value real-time transfers and may have a minimum (varies by bank). NEFT works in batches (but is effectively near-real-time now), IMPS is instant 24×7 for smaller amounts. Check your bank’s charges and limits.
• If transfer fails or is returned, contact your bank and provide the transaction reference. With correct IFSC the funds normally route to the specified branch.

Benefits of Knowing the IFSC

• Ensures funds go to the exact branch and account without manual routing.
• Prevents delays and reversals caused by incorrect branch identification.
• Required for adding beneficiaries in netbanking and mobile apps.
• Enables all electronic payments: NEFT, RTGS and IMPS.
• Useful for e-forms, salary credits, vendor payments and tax refunds.

Contact

Branch Phone No: 8102928368

Branch Address: Kaitha, Jamui, 805101, Bihar

Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR

Toll Free No: 18001807777

FAQs

• Q: How do I confirm that PUNB0MBGB06 is correct for Kaitha branch?
  A: Cross-check the IFSC on an official bank document (passbook, cheque leaf), the branch printout, or by calling the branch at 8102928368. Since UBGB/DBGB codes were revoked, use PUNB0MBGB06 for all electronic transfers.
• Q: What happens if I enter a wrong IFSC while transferring?
  A: If the IFSC does not match a valid branch, the transaction will usually be rejected and amount returned to the remitter’s account. If the IFSC points to a different valid branch, the money may reach an unintended branch — resolution then requires bank intervention and can take days.
• Q: Is MICR code needed for NEFT/IMPS/RTGS?
  A: No. MICR (used mainly for cheque clearing) is not required for NEFT/RTGS/IMPS. For Kaitha branch the MICR is 800811002. Keep it for cheque-related queries; for electronic transfers use IFSC.
• Q: After the merger, do account numbers change?
  A: Typically account numbers remain the same. What changes is the IFSC used for electronic routing. Confirm with your branch (8102928368) or check any official communication from the bank.
• Q: How long does a beneficiary take to activate after adding IFSC and details?
  A: Activation times vary by bank. Many banks require a 30-minute to 24-hour waiting period or an SMS confirmation. Some banks enforce a manual approval step. Always check the beneficiary activation prompt in your netbanking or mobile app.

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.