Bihar Gramin Bank Kaitola IFSC Code

The Bihar Gramin Bank branch at Kaitola is located in Kaitola village, Madhubani district, Bihar (PIN 847234). This branch serves rural customers for deposits, withdrawals and fund transfers. For electronic transfers such as NEFT, RTGS and IMPS you must use the correct IFSC code so the payment routes to the right bank and branch without delay. The IFSC code for this branch is PUNB0MBGB06, and you should confirm it before initiating any transfer.

Branch Details

Bank Name	Bihar Gramin Bank
Branch Name	Kaitola
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	100395
Branch Address	Kaitola, MADHUBANI, 847234, 9297954851
Contact Number	9297954851
City	MADHUBANI
District	MADHUBANI
Reason	MADHUBANI
Pincode	847234
State	Bihar

Merger Update

Note: If your account was earlier with Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB), be aware that legacy arrangements were consolidated. The current valid IFSC for the consolidated RRB operations under Punjab National Bank is PUNB0MBGB06. Old UBGB and DBGB IFSC codes have been revoked for electronic transfers. Always use the new IFSC PUNB0MBGB06 when making NEFT, RTGS or IMPS transfers to accounts migrated from those banks.

What is an IFSC Code?

The Indian Financial System Code (IFSC) is an 11-character alphanumeric code used to route electronic payments to the correct bank and branch. The structure is fixed:

• First 4 characters: Bank identifier. Example: PUNB stands for Punjab National Bank.
• 5th character: Always zero (0) — reserved by the RBI.
• Last 6 characters: Branch identifier. Example: MBGB06 identifies the specific branch within that bank network.

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

How to Use IFSC Code for NEFT, RTGS and IMPS

Follow these steps when initiating an electronic transfer from netbanking or a mobile app:

1. Open your bank’s netbanking or mobile banking app and go to “Funds Transfer” or “Add Beneficiary”.
2. Enter beneficiary name exactly as per bank records.
3. Enter the beneficiary account number and confirm it by retyping.
4. Enter the IFSC code: PUNB0MBGB06 for Bihar Gramin Bank, Kaitola branch.
5. Select transfer type: NEFT, RTGS or IMPS. IMPS is instant and available 24×7. NEFT and RTGS are also available round-the-clock in most banks, but check your bank’s current timings and limits.
6. Enter amount and purpose, then review all details thoroughly.
7. Authorize the transaction using OTP, token or netbanking credentials as required.

Practical tips:

• Always copy-paste or carefully type the IFSC to avoid mistakes.
• Confirm the IFSC and account number with the beneficiary if uncertain.
• After initiating, keep the transaction reference/UTR for tracking and any follow-up.

Benefits of Knowing the IFSC Code

• Accurate routing: Ensures funds go to the correct bank and branch.
• Faster processing: Correct IFSC reduces delays and returns.
• Required for electronic transfers: Mandatory for NEFT, RTGS and IMPS.
• Helps verify branch details: IFSC and MICR together confirm branch identity for cheque clearing and transfers.
• Useful for paperwork: Needed when filling mandate forms, ECS, or setting up auto-debits.

Contact

Branch phone: 9297954851

Branch address: Kaitola, MADHUBANI, 847234

Head office address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR

Toll free: 18001807777

FAQs

Q: How can I confirm this branch IFSC before transferring money?
A: Verify the IFSC printed on the cheque leaf or passbook. You can also confirm by calling the branch at 9297954851 or checking official bank communications. Always double-check if the beneficiary recently changed banks or branch.

Q: What happens if I enter the wrong IFSC code?
A: If the IFSC does not match the bank/branch, the payment may be rejected or returned, causing delays. In some cases, if the IFSC points to a different branch but the account number is valid, the transaction may still succeed. To avoid risk, confirm both IFSC and account number before sending.

Q: Is IFSC the same as MICR?
A: No. IFSC is used for electronic transfers and is alphanumeric (11 characters). MICR is a 9-digit numeric code used for cheque clearing by the magnetic ink character recognition process. For Kaitola, MICR is 800811002.

Q: Do I need the IFSC for UPI transfers?
A: No. UPI uses a Virtual Payment Address (VPA) and does not require IFSC. However, for traditional bank-to-bank transfers using NEFT/RTGS/IMPS, IFSC is required.

Q: Are old IFSC codes for UBGB or DBGB still valid?
A: No. Old IFSC codes from Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) that were revoked during consolidation are no longer valid. Use the consolidated IFSC PUNB0MBGB06 for accounts migrated to the Punjab National Bank arrangement.