Bihar Gramin Bank Kharagpur IFSC Code

The Bihar Gramin Bank branch at Kharagpur, Munger (Monghyr), Bihar (PIN 811213) serves local customers for deposits, withdrawals, and electronic fund transfers. For electronic payments—NEFT, RTGS, and IMPS—you must use the correct IFSC. The IFSC routes the instruction to the exact bank branch and ensures funds reach the intended account quickly and securely.

Branch Details

Merger Update

Important: Bihar Gramin Bank branches that were previously part of Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB) now operate under Punjab National Bank routing. Both UBGB and DBGB were consolidated and the single, current IFSC for affected branches is PUNB0MBGB06. Old UBGB IFSC codes have been revoked and are no longer valid for electronic transfers. Always use the new IFSC when initiating NEFT, RTGS, or IMPS transfers.

What is IFSC Code?

The IFSC (Indian Financial System Code) is an 11-character alphanumeric code that uniquely identifies a bank branch for electronic fund transfers. The structure is:

• First 4 characters: Bank identifier (example: PUNB = Punjab National Bank).
• 5th character: Always 0 (reserved).
• Last 6 characters: Branch identifier (example: MBGB06 in PUNB0MBGB06).

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

How to Use IFSC Code

• Open your bank’s netbanking or mobile banking app. Choose “Add Beneficiary” or “Fund Transfer.”
• Enter beneficiary name and account number exactly as provided by the recipient.
• Enter the IFSC: PUNB0MBGB06. Verify spelling and characters. IFSC is not case-sensitive, but accuracy matters.
• Provide beneficiary bank branch details (Kharagpur, Munger) and any additional info requested.
• Confirm the beneficiary. Many banks require an OTP or in-branch activation before first transfer.
• Initiate the transfer selecting NEFT, RTGS, or IMPS depending on speed and amount. Verify cut-off times and charges with your bank before sending.
• Keep the transaction reference number. Check with beneficiary to confirm receipt.

Benefits of Knowing the IFSC

• Ensures funds route to the exact branch and account. Reduces failed transfers.
• Needed for all electronic transfers: NEFT, RTGS, IMPS and for many online payment forms.
• Speeds up beneficiary setup in banking apps. Many banks auto-validate IFSC against branch details.
• Helpful for cross-checking details before large transfers or salary credits.
• Useful for reconciliation: IFSC + account number uniquely identifies destination branch.

Contact

Branch Phone: 8102918712

Branch Address: Kharagpur, Munger (Monghyr), 811213

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

Toll Free: 18001807777

FAQs

• Q: How can I verify this IFSC before sending money?

  A: Compare the IFSC with the branch details (bank name, branch name, city). Contact the branch at 8102918712 or your bank’s helpdesk before initiating large transfers.

• Q: Can I use an old UBGB IFSC for transfers?

  A: No. Old UBGB IFSC codes have been revoked after the merger. Use only PUNB0MBGB06 for transfers to this branch.

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

  A: If the wrong IFSC points to a different branch but the account number does not exist there, the transfer will fail and be reversed. If the IFSC and account number match another valid account, funds may go to the wrong recipient. Always double-check both account number and IFSC.

• Q: Is IFSC required for NEFT, RTGS and IMPS?

  A: Yes. IFSC is required to route NEFT, RTGS and IMPS transactions to the correct branch. Some banks may allow nickname transfers internally, but for interbank transfers IFSC is mandatory.

• Q: Where can I find branch MICR and branch code?

  A: MICR for Kharagpur branch: 800811002. Branch code: 3206. Use these for cheque clearing and internal branch references.

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.