When you need to transfer money electronically, such as through NEFT, RTGS, or IMPS, a crucial piece of information is the Indian Financial System Code, or IFSC. For the Bihar Gramin Bank branch located in Kajha, Purnia, Bihar, knowing this code ensures your money reaches the correct recipient and branch smoothly and efficiently. This unique code acts like a digital address, guiding your funds to their exact destination within the banking system.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Kajha |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100716 |
| Branch Address | Kajha, PURNIA, 854304 |
| Contact Number | 9297954149 |
| City | PURNIA |
| District | PURNIA |
| Pincode | 854304 |
| State | Bihar |
Merger Update
It’s important to understand the background of Bihar Gramin Bank. This bank was formed in 2019 through the merger of two regional rural banks: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). Both of these entities are now part of Bihar Gramin Bank, which is sponsored by Punjab National Bank.
Due to this merger, all branches that previously operated under Uttar Bihar Gramin Bank or Dakshin Bihar Gramin Bank now use the unified IFSC code structure under Punjab National Bank’s sponsorship. Therefore, for the Kajha branch of Bihar Gramin Bank, the valid IFSC code is PUNB0MBGB06. Any old IFSC codes associated with UBGB or DBGB for this branch have been revoked and are no longer valid for transactions. Always use the new code, PUNB0MBGB06, to ensure your fund transfers are successful.
What is an IFSC Code?
The IFSC, or Indian Financial System Code, is an 11-character code used to identify bank branches for electronic money transfers. This code is crucial for ensuring that your money goes to the correct bank and branch.
- The first four characters identify the bank. For example, in PUNB0MBGB06, “PUNB” stands for Punjab National Bank, which is the sponsoring bank for Bihar Gramin Bank.
- The fifth character is always a zero (0). This character is reserved for future use.
- The last six characters identify the specific branch. In PUNB0MBGB06, “MBGB06” uniquely identifies the Kajha branch of Bihar Gramin Bank.
This structured format helps to standardize electronic transfers across India’s vast banking network.
How to Use an IFSC Code
Using the IFSC code is a straightforward process when you are making an electronic fund transfer. Here’s how it generally works for NEFT, RTGS, or IMPS:
- Log in: Access your net banking account or mobile banking application.
- Add Beneficiary: If you are sending money to someone for the first time, you will need to add them as a beneficiary (recipient).
- Enter Details: You will be prompted to enter several details for the beneficiary, including their full name, account number, the type of account (savings or current), and the correct IFSC code, which in this case is PUNB0MBGB06 for the Kajha branch.
- Verify: Double-check all the entered information, especially the account number and IFSC code, to prevent errors.
- Initiate Transfer: Once verified, you can select the amount you wish to transfer and choose the type of transfer (NEFT, RTGS, or IMPS).
The system then uses the IFSC code to route your money directly to the correct branch of the recipient’s bank.
Benefits of Knowing Your IFSC Code
Having the correct IFSC code at hand offers several advantages for your banking needs:
- It ensures the accurate and secure transfer of funds to the intended bank and branch.
- It is essential for initiating all major electronic fund transfer methods: NEFT (National Electronic Funds Transfer), RTGS (Real Time Gross Settlement), and IMPS (Immediate Payment Service).
- It helps in faster processing of transactions, especially for immediate services like IMPS.
- It reduces the chances of errors, preventing your money from being sent to the wrong branch or getting delayed.
- It’s a standardized identification system, making banking consistent across different banks and regions in India.
Contact Information
If you need to get in touch with the Bihar Gramin Bank, Kajha branch, or the head office, here are the details:
- Branch Phone Number (Kajha): 9297954149
- Branch Address (Kajha): Kajha, PURNIA, PURNIA, Bihar – 854304
- Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
- Toll-Free Number: 18001807777
Frequently Asked Questions
Here are some common questions about IFSC codes:
Q: What is the full form of IFSC?
A: IFSC stands for Indian Financial System Code.
Q: Is the IFSC code for Bihar Gramin Bank Kajha permanent?
A: Yes, generally, an IFSC code is permanent for a specific branch. Changes are rare and usually happen only during mergers or significant reorganizations, as was the case with Uttar Bihar Gramin Bank and Dakshin Bihar Gramin Bank merging to form Bihar Gramin Bank.
Q: What happens if I use an old IFSC code from UBGB or DBGB for a Bihar Gramin Bank transaction?
A: If you use an old, revoked IFSC code, your transaction will likely fail. The banking system will not recognize the outdated code, and the money will not be transferred. Always use the current and correct IFSC code, PUNB0MBGB06, for Bihar Gramin Bank’s Kajha branch.
Q: Can I find the IFSC code on my passbook or chequebook?
A: Yes, the IFSC code is typically printed on the first page of your bank passbook and on the leaves of your chequebook. You can also find it on the bank’s official website or through online IFSC code lookup tools.
Q: Do I need an IFSC code for ATM transactions?
A: No, you do not need an IFSC code for ATM transactions, such as cash withdrawals, deposits, or balance inquiries. IFSC codes are specifically for electronic fund transfers between different bank accounts and branches.
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.