Bihar Gramin Bank KASHICHAK IFSC Code

The KASHICHAK branch of Bihar Gramin Bank is located in Nawada, Bihar, with the pincode 805130. When you need to transfer money electronically, such as through NEFT, RTGS, or IMPS, a specific code is vital. This code, called the Indian Financial System Code (IFSC), ensures that your funds reach the correct bank and branch without error. It acts like a unique digital address for each bank branch in India, making secure and efficient money transfers possible.

Branch Details Table

Bank Name	Bihar Gramin Bank
Branch Name	KASHICHAK
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	7286
Branch Address	KASHICHAK, Nawada, 805130, 9771464286
Contact Number	9771464286
City	Nawada
District	Nawada
Reason	NAWADA
Pincode	805130
State	Bihar

Merger Update

Bihar Gramin Bank was formed as a result of the merger of Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). This consolidation aimed to streamline operations and provide better services. As a sponsored bank of Punjab National Bank, Bihar Gramin Bank now uses a unified system for its IFSC codes. This means that if you previously used an IFSC code associated with the old UBGB or DBGB for a branch that is now part of Bihar Gramin Bank, those old codes are no longer valid. For all transactions with the KASHICHAK branch, or any other branch of Bihar Gramin Bank, you must use the new, standardized IFSC code, which is PUNB0MBGB06. Always confirm you are using the correct and current code for your transactions to avoid any delays or issues.

What is an IFSC Code?

An IFSC, or Indian Financial System Code, is an 11-character alphanumeric code. It uniquely identifies every bank branch participating in electronic funds transfers in India. Think of it as a specific address for each branch. This code helps the banking system route your money to the correct destination. Here’s how it’s structured:

• The first four characters identify the bank. For Bihar Gramin Bank, which is sponsored by Punjab National Bank, these characters are PUNB.
• The fifth character is always a zero (0). This character is reserved for future use and helps distinguish the bank code from the branch code.
• The last six characters represent the specific branch. For the KASHICHAK branch, these are MBGB06.

So, the full IFSC code PUNB0MBGB06 accurately identifies the KASHICHAK branch of Bihar Gramin Bank, under the Punjab National Bank system.

How to Use an IFSC Code

Using an IFSC code is straightforward when you are making electronic fund transfers like NEFT (National Electronic Funds Transfer), RTGS (Real Time Gross Settlement), or IMPS (Immediate Payment Service). Here are the general steps:

1. Gather Beneficiary Details: Before starting a transfer, make sure you have the recipient’s full name, account number, bank name, and the correct IFSC code for their specific branch.
2. Log In to Your Banking Platform: Access your net banking account or mobile banking application.
3. Add Beneficiary: If you haven’t transferred money to this person before, you will need to add them as a new beneficiary. You will enter their name, account number, and the IFSC code. The system will often automatically populate the bank and branch name once you enter the IFSC.
4. Select Transfer Type: Choose the type of transfer you want to make (NEFT, RTGS, or IMPS). NEFT and RTGS are generally used for larger amounts or when immediate transfer isn’t critical. IMPS offers instant transfers 24/7.
5. Enter Amount and Confirm: Input the amount you wish to send. Review all details carefully—the beneficiary’s name, account number, and the IFSC code. Any error in the IFSC code could lead to your transaction being delayed or, in rare cases, sent to the wrong account.

Always double-check the IFSC code, as it’s the primary key for routing your funds correctly.

Benefits of Knowing Your IFSC Code

Knowing the correct IFSC code for your bank branch, or for someone you wish to pay, offers several important benefits:

• It guarantees that money is transferred to the intended recipient’s bank and branch, minimizing errors.
• It enables smooth and quick electronic fund transfers across different banks throughout India.
• It is a mandatory requirement for initiating NEFT, RTGS, and IMPS transactions, allowing you to use modern banking services.
• It helps reduce manual processing and paperwork, making transactions faster and more efficient.
• It is often required for setting up various online payments, bill payments, and e-commerce transactions that involve bank transfers.

Contact Section

For any inquiries related to the KASHICHAK branch of Bihar Gramin Bank, or for general assistance, you can use the following contact details:

• Branch Phone Number: 9771464286
• Branch Address: KASHICHAK, Nawada, 805130, Bihar
• Bihar Gramin Bank Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number: 18001807777

FAQs

Here are some frequently asked questions about the Bihar Gramin Bank KASHICHAK IFSC code:

Q1: What is the IFSC code for Bihar Gramin Bank KASHICHAK branch?
A1: The IFSC code for Bihar Gramin Bank’s KASHICHAK branch is PUNB0MBGB06.

Q2: Is the old IFSC code for Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB) still valid for this branch?
A2: No, old IFSC codes from UBGB or DBGB are no longer valid. Bihar Gramin Bank was formed from the merger of these banks, and all its branches now operate under new, unified IFSC codes, such as PUNB0MBGB06 for KASHICHAK.

Q3: Can I use this IFSC code for both NEFT and RTGS transactions?
A3: Yes, the IFSC code PUNB0MBGB06 is valid and required for all electronic fund transfers, including NEFT, RTGS, and IMPS, to the KASHICHAK branch.

Q4: Why is the IFSC code so important for bank transfers?
A4: The IFSC code is crucial because it acts as a unique identifier for each bank branch. It ensures that your money is routed correctly to the intended recipient’s specific bank and branch, preventing errors and speeding up the transfer process.

Q5: How can I find the correct IFSC code for another branch?
A5: You can usually find the IFSC code printed on your bank’s cheque book, on your bank statement, or by visiting the bank’s official website. Many third-party financial websites also provide IFSC lookup tools.