The Bihar Gramin Bank branch at Kaiyar is located in Jamui district, Bihar (PIN 811305). This IFSC code is required when sending or receiving electronic fund transfers such as NEFT, RTGS and IMPS. Using the correct IFSC ensures the payment is routed to the exact branch and account, reduces delays and avoids reversals.
Bihar Gramin Bank Kaiyar IFSC Code
| Bank Name | Bihar Gramin Bank |
| Branch Name | Kaiyar |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 3436 |
| Branch Address | Kaiyar, Jamui, 811305, 8102926342 |
| Contact Number | 8102926342 |
| City | Jamui |
| District | Jamui |
| Reason | JAMUI |
| Pincode | 811305 |
| State | Bihar |
Merger update
Note: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) were reorganized and the branches now operate under a unified arrangement. All legacy UBGB/DBGB IFSC codes have been revoked. The branch uses the single IFSC code PUNB0MBGB06 under Punjab National Bank for NEFT/RTGS/IMPS routing. Only the new IFSC is valid for transactions; old UBGB or DBGB IFSCs should not be used.
What is IFSC Code?
The Indian Financial System Code (IFSC) is an 11-character alphanumeric code used to identify bank branches in electronic fund transfers. Its structure:
- First 4 characters — bank identifier (example: PUNB = Punjab National Bank).
- 5th character — reserved and is usually 0.
- Last 6 characters — branch identifier (alphanumeric). For PUNB0MBGB06, the branch part is MBGB06.
How to use IFSC Code for NEFT, RTGS, IMPS
- Open your netbanking, mobile banking app or visit the bank branch.
- Select the transfer type: NEFT, RTGS or IMPS. (IMPS is instant and available 24×7; NEFT and RTGS are also available round-the-clock through most banks but confirm bank-specific windows if needed.)
- Add a beneficiary: enter the beneficiary name exactly, bank account number and the IFSC PUNB0MBGB06 for the Kaiyar branch.
- Choose the transfer amount and purpose. For RTGS, note it is normally used for higher-value transfers (banks commonly use RTGS for transfers from around ₹2 lakh and above).
- Confirm details and authenticate the transaction (MPIN/OTP/transaction password as required).
- Save the transaction receipt or reference number. Check status in your transaction history; contact the bank immediately if there is an error.
Benefits of knowing the IFSC
- Accurate routing: Ensures funds reach the exact branch and account.
- Faster transfers: Correct IFSC reduces failed transfers and delays.
- Required for digital transfers: Most online forms require IFSC for NEFT/RTGS/IMPS.
- Useful for verification: You can confirm branch identity when taking payments or receiving funds.
- Avoids manual intervention: Correct IFSC reduces need for bank follow-up and reversals.
Contact
Branch Phone: 8102926342
Branch Address: Kaiyar, Jamui, 811305
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free: 18001807777
FAQs
Q: How can I verify the IFSC before making a transfer?
A: Verify the IFSC on the cheque leaf, bank passbook, or by contacting the branch phone (8102926342). Confirm the code PUNB0MBGB06 for Kaiyar before initiating payment.
Q: What happens if I enter the wrong IFSC?
A: If the IFSC does not match the beneficiary account mapping, the transaction will usually fail or be returned. In rare cases, if the account number exists at the routed branch, funds may reach a wrong account. Contact your bank immediately to trace and recover funds.
Q: Are old UBGB or DBGB IFSC codes still valid?
A: No. Old UBGB and DBGB IFSC codes have been revoked after merger. Use the single IFSC PUNB0MBGB06 under Punjab National Bank for transactions to this branch.
Q: Which transfer method should I use — NEFT, RTGS or IMPS?
A: Use IMPS for instant small-to-medium transfers. NEFT is suitable for most routine transfers and is processed quickly by banks. Use RTGS for high-value, real-time transfers (commonly used for transfers around ₹2 lakh and above). Confirm limits and charges with your bank.
Q: Who should I contact for failed or delayed transactions?
A: First contact the sending bank’s customer service. Then contact the Kaiyar branch at 8102926342 or the head office/toll-free (18001807777) with the transaction reference number and time of transfer. Keep receipts and screenshots ready.
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.