Bihar Gramin Bank Khairma IFSC Code

The Bihar Gramin Bank branch at Khairma is located in Jamui district of Bihar (PIN 811307). The branch serves local residents and businesses in and around Khairma village. For electronic fund transfers — NEFT, RTGS and IMPS — the correct IFSC code is essential. The IFSC routes transactions to the exact branch and prevents delays or failed transfers. Always verify the IFSC before initiating a transfer.

Branch Details

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. The unified code for the merged Gramin banks is PUNB0MBGB06. Old IFSC codes issued under UBGB or DBGB have been revoked. For all NEFT/RTGS/IMPS transfers to these former Gramin-bank branches, use only PUNB0MBGB06. Using revoked or old IFSCs can cause transaction failure or delays.

What is IFSC Code?

The IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to identify bank branches in electronic transfers.

• First 4 characters: Alphabetic bank code (e.g., PUNB = Punjab National Bank).
• 5th character: Always the digit 0 (reserved for future use).
• Last 6 characters: Branch identifier (alphanumeric). In PUNB0MBGB06, the suffix MBGB06 points to the specific branch mapping used by the central bank system.

Note: The branch code shown in bank records (for this branch: 3443) is an internal numeric code and is not the same as the IFSC suffix. Use the IFSC for electronic payments.

How to Use IFSC Code

1. Open your bank’s internet banking, mobile app, or visit a branch for fund transfer.
2. Select the transfer type: NEFT, RTGS or IMPS. (IMPS is instant 24×7 for eligible amounts.)
3. Enter beneficiary name and account number exactly as given by the payee.
4. Enter the IFSC code: PUNB0MBGB06. Ensure no typo in any character.
5. Double-check the beneficiary account number and IFSC. Confirm and authorize the transaction with OTP or banking PIN.
6. Save beneficiary details if you will transfer again. For large or urgent transfers, use RTGS (if above your bank’s RTGS minimum) or IMPS for instant credits where available.
7. Keep the transaction reference and check the beneficiary account for confirmation. For NEFT settlements, transactions may take up to a few hours depending on batch timings.

Benefits of Knowing the IFSC

• Ensures funds reach the correct branch and account without manual routing.
• Prevents failed transfers caused by incorrect branch identification.
• Required for all electronic transfers: NEFT, RTGS and IMPS.
• Saves time by letting you complete beneficiary setup in one session.
• Helps customer service identify and resolve transaction queries quickly.

Contact

Branch Phone: 8102912667

Branch Address: Khairma, Jamui, 811307

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?

  A: No. Old UBGB/DBGB IFSCs have been revoked after the merger. Use the current code PUNB0MBGB06 to transfer funds to any merged branch.

• Q: What happens if I enter a wrong IFSC?

  A: If the IFSC points to a valid but different branch, funds may be credited to the wrong branch account mapping and recovery becomes slow and manual. If the IFSC is invalid, the transfer will usually fail and be reversed. Always double-check both IFSC and account number.

• Q: Which transfer method is fastest to this branch?

  A: IMPS is instant and available 24×7 for eligible amounts. RTGS is also fast for high-value transactions during RTGS hours. NEFT is processed in batches and may take longer.

• Q: Is the numeric branch code (3443) same as the IFSC suffix?

  A: No. The branch code 3443 is an internal numeric identifier. The IFSC suffix (for example MBGB06 in PUNB0MBGB06) is the official routing identifier used for electronic transfers.

• Q: How do I confirm the beneficiary details before sending money?

  A: Ask the beneficiary to provide the exact account number, account name, branch name (Khairma), and the IFSC PUNB0MBGB06. A quick test with a small amount is a safe practice for first-time transfers.

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.