The Bihar Gramin Bank branch at Kajra is located in Kajra village, Lakhisarai district, Bihar (PIN 811309). This branch uses the IFSC code PUNB0MBGB06. The IFSC is essential for electronic fund transfers — NEFT, RTGS and IMPS — because it identifies the bank and the exact branch to which money must be routed. Using the correct IFSC avoids failed transfers, delays, and possible reversal charges.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Kajra |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 3106 |
| Branch Address | Kajra, Lakhisarai, 811309, 8102918572 |
| Contact Number | 8102918572 |
| City | Lakhisarai |
| District | Lakhisarai |
| Reason | JAMUI |
| Pincode | 811309 |
| State | Bihar |
Merger Update
Important: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been consolidated into a single entity and their branches now operate under the Punjab National Bank IFSC PUNB0MBGB06. If your account or beneficiary was earlier showing an old UBGB IFSC code, that old code has been revoked. For any NEFT, RTGS or IMPS transfer, use only the new IFSC code PUNB0MBGB06 linked to Punjab National Bank/Bihar Gramin Bank branch details.
What is IFSC Code?
The IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to identify a specific bank branch for electronic payments. The structure is:
- First 4 characters: Bank identifier (for example, PUNB = Punjab National Bank).
- 5th character: Always 0 (reserved for future use).
- Last 6 characters: Branch identifier (alphanumeric), unique to the branch (for example, MBGB06 in PUNB0MBGB06).
So in PUNB0MBGB06: PUNB = bank, 0 = reserved, MBGB06 = branch code for Kajra (as configured with PNB).
How to Use IFSC Code
- Open your bank’s netbanking, mobile app or visit the bank branch for a fund transfer.
- Choose the transfer type: NEFT, RTGS or IMPS. Use NEFT for routine transfers, RTGS for large-value same-day transfers (usually above the bank-specified limit), and IMPS for instant 24×7 transfers.
- Enter beneficiary details: name, account number, and the IFSC code PUNB0MBGB06.
- Verify the beneficiary branch name and city shown by your bank after you enter the IFSC. Confirm that it matches Kajra, Lakhisarai.
- Enter the transfer amount and purpose. Review charges and transaction limits before authorizing.
- Authenticate the transaction with OTP or your bank’s chosen method. Save the transaction reference number for tracking.
- If the transfer is time-sensitive, check NEFT/RTGS cut-off times with your bank. IMPS is instant and available 24×7.
Benefits of Knowing the IFSC
- Ensures funds reach the correct branch and account without delays.
- Required for all electronic transfers: NEFT, RTGS and IMPS.
- Reduces errors and reversals that can cause extra bank charges or manual follow-up.
- Helps verify beneficiary details quickly when adding beneficiaries in online banking.
- Useful when filling deposit forms, applying for online services, or reconciling receipts.
Contact
Branch Phone: 8102918572
Branch Address: Kajra, Lakhisarai, 811309
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll Free: 18001807777
FAQs
Q: Can I use the old UBGB or DBGB IFSC for transfers?
A: No. Old UBGB IFSC codes have been revoked after the merger. Use only the current IFSC PUNB0MBGB06 for transfers to the Kajra branch.
Q: Is the IFSC case-sensitive?
A: No. IFSC codes are not case-sensitive, but it is best to enter them exactly as provided (for example, PUNB0MBGB06) to avoid input errors in some systems.
Q: What is the MICR code and when is it used?
A: The MICR (Magnetic Ink Character Recognition) code for this branch is 800811002. MICR is mainly used for cheque clearing within the banking system. It is not required for NEFT/RTGS/IMPS transfers.
Q: What should I do if a transfer to PUNB0MBGB06 fails or is reversed?
A: First, check the transaction reference and bank SMS/email confirmation. Contact your bank with the reference and beneficiary details. You can also call the branch at 8102918572 or the head office toll-free 18001807777 for guidance.
Q: Are there timing differences between NEFT, RTGS and IMPS?
A: Yes. IMPS is available 24×7 for instant transfers. NEFT usually runs in hourly batches (varies by bank), and RTGS is for same-day high-value transfers during bank working hours. Confirm exact cut-off times with your remitting bank.
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.