Bihar Gramin Bank Khagra IFSC Code

Khagra is a locality in Kishanganj district, Bihar (PIN 855107). This article lists the Bihar Gramin Bank Khagra branch details and its IFSC code. The IFSC code is essential for electronic fund transfers using NEFT, RTGS and IMPS. Banks use it to route payments to the correct bank and branch. Always confirm the IFSC before initiating a transfer to avoid delays or failed transactions.

Branch Details

Merger Update

Bihar Gramin Bank is the consolidated regional rural bank formed after the merger of Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). Both sponsor banks were brought under a single structure with Punjab National Bank as the sponsor. The current and valid IFSC for this branch is PUNB0MBGB06. Old IFSC codes that belonged to UBGB or DBGB have been revoked. Use only the new IFSC PUNB0MBGB06 for NEFT, RTGS and IMPS transactions; transactions attempted with old IFSCs may fail or be returned.

What is IFSC Code?

IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code used to identify a specific bank branch in electronic fund transfers.

• First 4 characters: bank identifier (letters). Example: PUNB = Punjab National Bank.
• 5th character: reserved and is 0 (zero) by RBI rules.
• Last 6 characters: branch identifier (alphanumeric). Example: MBGB06 in PUNB0MBGB06 points to a specific branch.

How to Use IFSC Code for NEFT, RTGS, IMPS

• Open your bank’s netbanking or mobile app and go to “Fund Transfer”.
• Choose transfer type: NEFT, RTGS or IMPS. (IMPS is instant and available 24×7; NEFT and RTGS are also available 24×7 under current RBI timings but banks may impose limits.)
• Enter beneficiary name, account number and IFSC: PUNB0MBGB06 for Bihar Gramin Bank, Khagra branch.
• Enter amount and a purpose or remark if required. Verify the beneficiary details on screen before confirming.
• Authorize the payment using OTP, transaction password, or UPI PIN depending on the channel.
• Save the beneficiary for future transfers if needed. Always re-check IFSC when adding a new beneficiary.

Benefits of Knowing the IFSC

• Ensures funds reach the correct branch. The IFSC routes the transaction to the intended branch system.
• Required field for NEFT/RTGS/IMPS transfers—without it, the transfer cannot be completed.
• Quick verification: matching account number and IFSC reduces failed transfers.
• Useful for adding beneficiaries in bank apps and corporate payment systems.
• Helps identify sponsor bank: with IFSC you can confirm the sponsor (here, PNB) and branch identity.

Contact

Branch Phone: 9297954398
Branch Address: Khagra, KISHANGANJ, 855107
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. PUNB0MBGB06 is the valid IFSC for Bihar Gramin Bank, Khagra branch. Old UBGB/DBGB IFSCs have been revoked after consolidation.
• Q: Where can I find the IFSC on my cheque or passbook?
  A: The IFSC usually appears on the cheque leaf (top-right or bottom) and on the passbook issued by the branch. It may also appear on bank statements or the bank’s welcome letter.
• Q: What happens if I enter a wrong IFSC?
  A: If the IFSC does not match the account details, the payment may be rejected or returned. If the IFSC points to another valid branch and account number matches, funds may be credited to that account — that risk makes accuracy important. Contact your bank immediately if you suspect a mistake.
• 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 to speed cheque clearing. MICR 800811002 is specific to this branch for cheque processing.
• Q: Are NEFT/RTGS/IMPS available round-the-clock?
  A: IMPS is available 24×7. NEFT and RTGS are also available 24×7 under the current RBI framework, but some banks apply internal cut-offs for processing or settlement — check with the branch for any bank-specific windows or limits.
• Q: How can I confirm the branch code 100819 relates to this IFSC?
  A: The branch code shown in bank records (100819) is the bank’s internal numeric identifier. The IFSC’s last six characters identify the branch in the electronic payments directory but may use letters and numbers. For transfers, use the IFSC and account number; the internal branch code is for bank records and reconciliation.

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.