The Bihar Gramin Bank branch at Khara is located in Madhepura district, Bihar (pin code 852219). This IFSC code page gives the exact code you need to send and receive electronic transfers. The IFSC is required by NEFT, RTGS and IMPS systems to route funds to the correct bank and branch. Using the right IFSC avoids delays, failed transfers and reconciliation problems.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Khara |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100772 |
| Branch Address | Khara, MADHEPURA, 852219, 9297954313 |
| Contact Number | 9297954313 |
| City | MADHEPURA |
| District | MADHEPURA |
| Reason | SAHARSA |
| Pincode | 852219 |
| State | Bihar |
Merger Update
Important: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been reorganised under Punjab National Bank sponsorship. These banks now operate using a single IFSC code for the merged entity: PUNB0MBGB06 (Punjab National Bank format). Old IFSC codes that belonged to UBGB or DBGB have been revoked. For all NEFT/RTGS/IMPS transactions to Khara branch, use only PUNB0MBGB06. Using an old UBGB/DBGB IFSC will lead to failed or delayed transfers.
What is an IFSC Code?
The Indian Financial System Code (IFSC) is an 11-character alphanumeric code used to identify bank branches in electronic payment systems.
- First 4 characters: Bank code (letters). Example: PUNB stands for Punjab National Bank.
- 5th character: Always the digit 0 (reserved).
- Last 6 characters: Branch identifier (letters/digits). Example: MBGB06 in PUNB0MBGB06.
How to Use This IFSC Code for NEFT / RTGS / IMPS
Follow these steps to send money to the Khara branch using internet banking or mobile banking:
- Log in to your bank’s netbanking or mobile app and go to “Add Beneficiary” or “Manage Payees”.
- Select transfer type: NEFT, RTGS or IMPS. (RTGS is for large value immediate transfers; IMPS and NEFT are for other values.)
- Enter beneficiary name and account number exactly as provided.
- Enter the IFSC: PUNB0MBGB06. Verify the bank and branch name displayed by your bank.
- Provide branch address or purpose if the form asks. Use “Khara, Madhepura, Bihar, 852219”.
- Save beneficiary. Complete any additional authentication (OTP, TPIN) your bank requires.
- Initiate the transfer. Note the transaction reference and confirm the beneficiary details before sending funds.
Timings and limits: IMPS is typically immediate and available 24×7. RTGS usually settles immediately and is recommended for high value transfers (banks commonly enforce a minimum of ₹2,00,000 for RTGS; confirm with your bank). NEFT settlement is near real-time in many banks (after RBI changes NEFT runs round-the-clock), but actual posting may vary by bank and cut-off rules. Always check limits and service hours with your bank.
Benefits of Knowing the IFSC
- Ensures funds reach the correct branch without manual routing.
- Prevents failed transfers and reduces reconciliation work.
- Needed to add beneficiaries for NEFT, RTGS and IMPS.
- Useful for electronic mandates, ECS credits and salary disbursement setups.
- Helps verify the bank and branch when receiving payments or refunds.
Contact
Branch phone: 9297954313
Branch address: Khara, MADHEPURA, 852219
Head office address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free number: 18001807777
FAQs
Q: Is PUNB0MBGB06 the correct IFSC for Bihar Gramin Bank Khara branch?
A: Yes. Use PUNB0MBGB06 for all electronic transfers to the Khara branch. This is the valid IFSC after the merger and replaces older UBGB/DBGB codes.
Q: What if I use an old UBGB or DBGB IFSC code?
A: Old UBGB/DBGB IFSC codes have been revoked. Using them can cause the transfer to fail or be returned. Always use the updated IFSC: PUNB0MBGB06.
Q: How can I confirm the IFSC before sending money?
A: Confirm the IFSC on a cheque leaf (if available), the bank’s passbook entry for the branch, or by calling the branch at 9297954313. Also verify the branch name shown by your netbanking app after entering the IFSC.
Q: How long does a transfer to this IFSC take?
A: IMPS is instant (typically seconds). RTGS is immediate on settlement (used for high value transfers). NEFT settlements are processed continuously in many banks now, but posting time can vary. If a payment is delayed, check the transaction status with your bank and keep the reference number.
Q: Can I use this IFSC for inward remittances from abroad?
A: For inward foreign remittances, banks often require SWIFT/BIC details and beneficiary account + branch details. IFSC is used for domestic routing. Confirm with your correspondent bank and the beneficiary bank for the exact requirements.
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.