The Bihar Gramin Bank, Kaluwahi branch is located in Kaluwahi, Madhubani district of Bihar (PIN 847229). This branch serves local residents and businesses for savings, payments and remittances. For electronic fund transfers such as NEFT, RTGS and IMPS you must use the correct IFSC code. The IFSC routes your payment to the exact bank and branch, so using the right code prevents delays and failed transfers.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Kaluwahi |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100394 |
| Branch Address | Kaluwahi, MADHUBANI, 847229, 9297954854 |
| Contact Number | 9297954854 |
| City | MADHUBANI |
| District | MADHUBANI |
| Reason | MADHUBANI |
| Pincode | 847229 |
| State | Bihar |
Merger Update
The Kaluwahi branch operates under the consolidated structure created after the merger of Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). Both regional gramin banks were merged and now function under Punjab National Bank’s sponsorship. The single, valid IFSC for this branch is PUNB0MBGB06. Any older IFSC codes previously issued to UBGB or DBGB branches have been revoked. Use only PUNB0MBGB06 for NEFT, RTGS or IMPS; older UBGB/DBGB IFSC codes are not accepted for transfers.
What is IFSC Code?
IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code used to identify bank branches in online payment systems.
- First 4 characters: bank identifier. Example: PUNB = Punjab National Bank.
- 5th character: reserved and is always 0 (zero).
- Last 6 characters: branch identifier. Example: MBGB06 identifies the specific Kaluwahi branch within the sponsor bank structure.
How to Use IFSC Code
- Open your bank’s netbanking, mobile banking app, or visit an ATM that supports fund transfer.
- Select the transfer type: NEFT, RTGS or IMPS (choose RTGS only for large-value urgent transfers where applicable).
- Add a beneficiary/contact. Enter beneficiary name and exact account number.
- Enter the IFSC code exactly as PUNB0MBGB06. IFSCs are not case-sensitive, but any typo will misroute the payment.
- Verify beneficiary details shown by the system (bank name and branch) before confirming.
- Initiate the transfer and note the reference number. For new beneficiaries, some banks require a cooling period before the first transfer.
- If uncertain, send a small test amount first to confirm details, then send the full amount.
Benefits of Knowing the IFSC
- Ensures funds reach the correct bank and branch without manual intervention.
- Reduces failed or returned transfers and related delays.
- Required for online forms, vendor payments, salary credits and government disbursals.
- Makes reconciliation easier—branch-level identification helps banks locate transactions faster.
- Mandatory for RTGS/NEFT/IMPS transactions through internet banking and mobile apps.
Contact
Branch Phone: 9297954854
Branch Address: Kaluwahi, MADHUBANI, 847229
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll-free: 18001807777
FAQs
Q: Can I use an old UBGB or DBGB IFSC for transfers to this branch?
A: No. After the merger, old UBGB and DBGB IFSC codes were revoked. Use only PUNB0MBGB06 for transfers to Kaluwahi branch.
Q: What happens if I enter the wrong IFSC but correct account number?
A: Most systems match IFSC and account number. A wrong IFSC can cause the payment to be routed incorrectly or returned. Always verify the beneficiary details shown by your bank before confirming.
Q: Which transfer method should I use: NEFT, RTGS or IMPS?
A: Use NEFT for routine transfers with no strict minimum. Use RTGS for urgent large-value transfers (bank limits apply). Use IMPS for instant transfers any time of day for amounts within your bank’s IMPS limit.
Q: Are IFSC codes case-sensitive?
A: No. IFSC entries are not case-sensitive. However, you must enter all characters correctly (no extra spaces or typos).
Q: How can I verify that PUNB0MBGB06 is correct before sending money?
A: Verify on the payment screen that the bank name reads Punjab National Bank or Bihar Gramin Bank and branch shows Kaluwahi/Madhubani. You can also confirm the branch phone 9297954854 before sending a large amount.
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.