Bihar Gramin Bank Kalikapur IFSC Code

Kalikapur is a town in the Madhubani district of Bihar (pincode 847402). This article gives the key banking details for the Bihar Gramin Bank branch at Kalikapur and explains how to use the IFSC code for fund transfers. The IFSC code is required for electronic transfers over NEFT, RTGS and IMPS. It tells the remitter’s bank which bank and which branch will receive the money, so using the correct IFSC avoids delays or failed transfers.

Branch Details

Bank Name	Bihar Gramin Bank
Branch Name	Kalikapur
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	100381
Branch Address	Kalikapur, MADHUBANI, 847402, 9297954949
Contact Number	9297954949
City	MADHUBANI
District	MADHUBANI
Reason	JHANJHARPUR
Pincode	847402
State	Bihar

Merger Update

Note: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been consolidated and now operate under Punjab National Bank for electronic clearing purposes. All the merged branches use the single IFSC code PUNB0MBGB06 for NEFT, RTGS and IMPS transactions. Old UBGB and DBGB IFSC codes have been revoked. Only the new IFSC PUNB0MBGB06 is valid for sending or receiving funds to this branch. Make sure to update any saved beneficiary details before initiating a transfer.

What is IFSC Code?

The Indian Financial System Code (IFSC) is an 11-character alphanumeric code. It has three parts:

• First 4 characters: Bank identifier. Example: PUNB stands for Punjab National Bank.
• 5th character: Always 0 (reserved for future use).
• Last 6 characters: Branch identifier. This can be letters, numbers or both. In this branch the last 6 characters are MBGB06, which points to the Kalikapur/merged branch mapping.

How to Use IFSC Code

• Open your bank’s netbanking, mobile app or visit the branch.
• Choose fund transfer type: NEFT, RTGS or IMPS. (Use RTGS for large, urgent transfers above your bank’s RTGS minimum; NEFT is for standard transfers; IMPS is instant for smaller amounts.)
• Select or add a beneficiary. Enter beneficiary name, account number and the IFSC PUNB0MBGB06. Double-check spelling and digits.
• Confirm beneficiary addition (the bank may require OTP or approval). Some banks perform a small validation transfer first.
• Enter the transfer amount and authorize using OTP / transaction PIN / token as required.
• Keep transaction reference or UTR for tracking. If funds do not arrive, provide the UTR to the receiving branch for investigation.

Benefits of Knowing the IFSC

• Ensures money reaches the correct branch. Using the wrong IFSC can delay or return the transfer.
• Simplifies adding beneficiaries in netbanking and mobile apps.
• Required for all electronic transfers: NEFT, RTGS and IMPS.
• Helps bank staff and customers quickly verify branch identity during reconciliation.
• After bank mergers, updated IFSC avoids failed transfers caused by deprecated codes.

Contact

Branch phone: 9297954949

Branch address: Kalikapur, MADHUBANI, 847402

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

Toll free: 18001807777

FAQs

1. Can I use the old UBGB IFSC for transfers to this branch?

No. Old UBGB IFSC codes have been revoked after the merger. Use the new IFSC PUNB0MBGB06 for all NEFT, RTGS and IMPS transactions.

2. What if I enter the wrong IFSC but correct account number?

If the IFSC points to a different branch, the transfer may fail or reach the wrong branch. Banks generally match both IFSC and account number. If details conflict, the transfer is often returned. Contact your bank with the UTR for resolution.

3. What is the MICR code used for?

MICR code (here 800811002) is used mainly for cheque clearing through the magnetic ink character recognition system. It is not required for electronic transfers but helpful for cheque processing and branch identification.

4. How long do NEFT, RTGS and IMPS transfers take?

IMPS is instant—funds transfer immediately any time. RTGS is real-time for large value transfers during bank hours. NEFT typically settles in hourly batches (or continuous settlement depending on the bank), so it can take minutes to a few hours. Always check your bank’s cut-off times.

5. I don’t have the IFSC but have the branch address. How do I proceed?

Ask the beneficiary to provide the IFSC and account number. You can also call the branch at 9297954949 to confirm details. Do not guess the IFSC; incorrect entries can cause failed transfers or delays.