Khadaura branch of Bihar Gramin Bank is located in Kaimur (Bhabua) district of Bihar (PIN 821101). This branch serves local residents and businesses in and around Bhabua. For any electronic fund transfer — NEFT, RTGS or IMPS — the correct IFSC code is essential. The IFSC uniquely identifies the bank and branch so payments route correctly and settle without delay.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | KHADAURA |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 7436 |
| Branch Address | KHADAURA, Kaimur (Bhabua), 821101, 9771464436 |
| Contact Number | 9771464436 |
| City | Kaimur (Bhabua) |
| District | Kaimur (Bhabua) |
| Reason | BHABHUA |
| Pincode | 821101 |
| State | Bihar |
Merger Update
Important: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged into a single entity under Punjab National Bank (PNB) for IFSC and electronic clearing purposes. The unified IFSC in use for affected branches is PUNB0MBGB06. Old UBGB and DBGB IFSC codes have been revoked; they will not work for NEFT/RTGS/IMPS. Always use the new IFSC PUNB0MBGB06 for transactions to or from this branch.
What is an IFSC Code?
The IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to identify bank branches in electronic payments. Its structure is:
- First 4 characters — bank identifier (alphabetic). Example: PUNB = Punjab National Bank.
- 5th character — reserved and always 0 (zero).
- Last 6 characters — branch identifier (alphanumeric). Example: in PUNB0MBGB06 the last six are MBGB06.
Note: the numeric Branch Code7436) is an internal identifier and may not match the alphanumeric last six characters of the IFSC. Both are useful for different records, but the IFSC is the required code for electronic transfers.
How to Use IFSC Code for NEFT, RTGS and IMPS
- Add beneficiary: In internet banking or mobile banking, choose “Add Beneficiary” or “Manage Payee”. Enter beneficiary name, bank account number, and IFSC = PUNB0MBGB06. Verify details before saving.
- Select transfer method: Choose NEFT / RTGS / IMPS depending on urgency and bank limits. IMPS and NEFT are instant (IMPS is available 24×7; NEFT is effectively round-the-clock now), RTGS is for higher-value payments when required by the sender or receiving bank.
- Enter amount and purpose: Provide amount, purpose remark if needed, and confirm charges. Banks show their applicable fees before you confirm.
- Authenticate: Approve the transfer with netbanking password, debit card OTP, or mobile OTP as your bank requires.
- Confirm and save receipt: Note transaction reference or UTR. If the transfer fails because of incorrect IFSC, funds can be delayed or returned — so always double-check the IFSC and account number.
- At a branch: Fill the transfer form with beneficiary account, IFSC PUNB0MBGB06, amount, and sign. Bank staff will process NEFT/RTGS on same-day banking hours if applicable.
Benefits of Knowing the IFSC
- Ensures accurate routing of electronic payments to the correct bank branch.
- Prevents delays and failed transfers caused by incorrect branch identification.
- Required when adding beneficiaries in internet and mobile banking apps.
- Useful for receiving remittances from employers, government payments, or online platforms.
- Helps customer service resolve issues faster by confirming the exact branch code.
Contact
Branch Phone: 9771464436
Branch Address: KHADAURA, Kaimur (Bhabua), 821101
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll Free: 18001807777
FAQs
Q: Is PUNB0MBGB06 the only valid IFSC for this branch?
A: Yes. After the merger and the consolidation under Punjab National Bank, PUNB0MBGB06 is the valid IFSC. Old UBGB/DBGB IFSC codes have been revoked and should not be used.
Q: What is the difference between IFSC and MICR?
A: IFSC routes electronic transfers (NEFT/RTGS/IMPS). MICR (Magnetic Ink Character Recognition) is a 9-digit code used mainly for cheque processing. Both identify branches, but they serve different clearing systems.
Q: Can I do an IMPS transfer using account number and IFSC?
A: Yes. IMPS requires the beneficiary account number and IFSC. It works 24×7 subject to bank limits and authentication.
Q: I only have the branch phone and address. How do I confirm the IFSC?
A: Ask the branch to confirm the IFSC verbally or on a printed account statement. The branch contact is 9771464436; confirm PUNB0MBGB06 before initiating transfers.
Q: If I enter the wrong IFSC, what happens?
A: If the IFSC does not match the account number, the transfer may be rejected and refunded, or delayed while banks trace the correct branch. Always verify both the IFSC and the full account number before sending funds.
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.