Bihar Gramin Bank Katra IFSC Code

Bihar Gramin Bank, Katra branch is located in Katra, Muzaffarpur district, Bihar (PIN 843124). For any electronic fund transfer to this branch — NEFT, RTGS or IMPS — you must use the branch IFSC code. The IFSC ensures the transaction is routed to the correct bank and branch and prevents misrouting or delays in crediting funds.

Branch Details Table

Merger Update

Important: The IFSC PUNB0MBGB06 is issued under Punjab National Bank (PUNB). Both Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been consolidated into a single sponsored arrangement and now operate using the unified IFSC code PUNB0MBGB06. Old UBGB/DBGB IFSC codes have been revoked. For all electronic transfers, use only PUNB0MBGB06 — legacy IFSC codes will not work and can cause failed or returned transfers.

What is IFSC Code?

The Indian Financial System Code (IFSC) is an 11-character alphanumeric code used to route electronic payments to specific bank branches in India. The structure is:

• First 4 characters — bank identifier (example: PUNB for Punjab National Bank).
• 5th character — always 0, reserved by the RBI.
• Last 6 characters — branch identifier (alphanumeric) that points to the specific branch (example: MBGB06 in PUNB0MBGB06).

So PUNB0MBGB06 breaks down as: PUNB | 0 | MBGB06.

How to Use IFSC Code

• Open your bank’s netbanking, mobile app, or visit the branch to add a new beneficiary.
• Enter beneficiary details: name, exact account number, and the IFSC code PUNB0MBGB06. Some apps fill bank/branch automatically once you enter IFSC; confirm the branch name is Katra, Muzaffarpur.
• Choose transfer type: NEFT, RTGS or IMPS. IMPS is instant and available 24×7; NEFT is available round-the-clock in near-real time; RTGS is for immediate settlement for larger-value transactions.
• Verify all details before confirming. A single incorrect digit in the account number or wrong IFSC can misroute funds or cause rejection.
• Save beneficiary and complete bank’s required validation (many banks require an authorization OTP or a cooling period before first transfer).
• After sending, keep the transaction reference/UTR. Use it to trace or report an issue to the bank if funds do not credit within expected time.

Benefits of Knowing the IFSC

• Ensures funds are routed to the correct bank branch.
• Required for all electronic transfers: NEFT, RTGS, IMPS.
• Speeds up beneficiary setup — many systems auto-fill branch details from IFSC.
• Helps customer service trace payments quickly using IFSC + account number.
• Needed for automatic credits such as salary, dividends, or vendor payments.

Contact

Branch Phone No: 9297955304

Branch Address: Katra, MUZAFFARPUR, 843124

Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR

Toll Free No: 18001807777

FAQs

• Q: How can I confirm this IFSC before making a transfer?

  A: Check the printed cheque leaf or passbook for the Katra branch, call the branch at 9297955304, or ask your bank to verify the IFSC before initiating payment. Given the merger, confirm the IFSC is PUNB0MBGB06.

• Q: What happens if I enter a wrong IFSC but correct account number?

  A: If the IFSC points to a different branch but the account number format exists there, funds may be credited to the wrong account or rejected. Most systems validate account number + IFSC; if they don’t match, the transfer is usually returned. Contact your bank immediately with the transaction UTR.

• Q: Can IFSC codes change after a bank merger?

  A: Yes. In this case, old UBGB/DBGB IFSCs have been revoked and replaced by the unified code PUNB0MBGB06 under Punjab National Bank. Always verify IFSC after major organizational changes.

• Q: Is IFSC required for UPI transactions?

  A: UPI primarily uses a Virtual Payment Address (VPA). You don’t enter IFSC during a typical UPI payment. However, IFSC is required when linking an account in some banking apps or when generating a mandate for certain services.

• Q: How long do NEFT/RTGS/IMPS transfers take once I use this IFSC?

  A: IMPS is immediate (real-time). NEFT is processed in continuous batches and typically completes within minutes to a few hours depending on bank processing; NEFT is available 24×7. RTGS settles in real time and is used for urgent/high-value payments. If a transfer is delayed, use the transaction reference and contact the sending bank.

Kriti Kumari

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.