Bihar Gramin Bank Kharia IFSC Code

The Bihar Gramin Bank Kharia branch is located in Kharia, Munger (Monghyr), Bihar — Pincode 811211. This IFSC matters when you send or receive money using NEFT, RTGS or IMPS. The IFSC is the electronic routing code banks use to route transfers to the correct branch. Using the correct IFSC avoids failed payments, delays and extra follow-up with the bank.

Branch Details Table

Bank Name	Bihar Gramin Bank
Branch Name	Kharia
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	3226
Branch Address	Kharia, Munger (Monghyr), 811211, 8102918732
Contact Number	8102918732
City	Munger (Monghyr)
District	Munger (Monghyr) Reason – BHAGALPUR
Pincode	811211
State	Bihar

Merger Update

The Kharia branch now operates under the Punjab National Bank IFSC code PUNB0MBGB06. Both Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) were merged into Punjab National Bank. As a result, old UBGB/DBGB IFSC codes have been revoked. For any electronic transfer (NEFT, RTGS, IMPS), use only the new IFSC PUNB0MBGB06. Transactions attempted with old UBGB/DBGB IFSCs will fail or be rejected.

What is IFSC Code?

IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code used to identify bank branches in electronic payment systems.

• First 4 characters = bank identifier. Example: PUNB = Punjab National Bank.
• 5th character = reserved and is always 0 (zero).
• Last 6 characters = branch identifier. Example: in PUNB0MBGB06, the last six characters are MBGB06, which point to the Kharia branch under the merged arrangement.

The IFSC is alphanumeric. It uniquely routes electronic payments to the precise branch. After mergers, old branch codes may be deactivated and replaced by the new bank’s IFSC.

How to Use IFSC Code

Follow these steps when you make a transfer via NEFT, RTGS or IMPS:

1. Open your bank’s online portal or mobile app and go to “Add Beneficiary” or “New Payee”.
2. Enter the beneficiary name exactly as in their bank account records.
3. Enter the beneficiary account number.
4. Enter the IFSC code: PUNB0MBGB06 for Bihar Gramin Bank Kharia branch.
5. Provide other required details (account type, branch name if asked) and save the beneficiary.
6. Complete any verification steps your bank requires (OTP, debit card authentication, in-branch activation).
7. Initiate the transfer and note the transaction reference number.

Practical notes:

• NEFT: suitable for most amounts. Check your bank for batch timing or 24×7 availability, as this can vary by bank policy even if systems are open round-the-clock.
• RTGS: intended for high-value transfers. Check your bank for any minimum amount and same-day settlement rules.
• IMPS: immediate and available 24×7 for small to medium transfers. Limits depend on your bank.
• Always confirm the IFSC from a recent bank statement, passbook, cheque leaf or the branch before adding a beneficiary.

Benefits

• Accurate routing: IFSC ensures money reaches the exact branch and account.
• Faster processing: Correct IFSC reduces failed or returned transactions and speeds settlement.
• Essential for online transfers: Needed for NEFT, RTGS and IMPS operations.
• Post-merger clarity: A single IFSC after a merger avoids confusion over multiple old codes.
• Safety: Verifying IFSC along with account number reduces risk of misdirected funds.

Contact

Branch Phone: 8102918732

Branch Address: Kharia, Munger (Monghyr), 811211

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

Toll free: 18001807777

FAQs

• Q: How do I confirm this IFSC is valid for Kharia branch?

  A: Confirm on the bank passbook, a cheque leaf, or by calling the branch at 8102918732. Since UBGB/DBGB merged into PNB, ensure you see PUNB0MBGB06 as the active IFSC.

• Q: What happens if I use a wrong IFSC but correct account number?

  A: Results vary. If the IFSC routes to a different branch that doesn’t have the account number, the transaction can fail and be returned. If it routes to a branch where the same account number exists (rare), the payment could be misdirected. Expect delays while banks investigate. Always verify both account number and IFSC before sending funds.

• Q: Can IFSC change after a bank merger?

  A: Yes. After a merger, the acquiring bank assigns a new IFSC. Old IFSCs are usually deactivated. For Kharia branch, the active IFSC after the merger is PUNB0MBGB06. Do not use old UBGB/DBGB IFSCs.

• 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 by the clearing system. Both are useful, but IFSC is mandatory for online transfers.

• Q: Where can I find the branch code?

  A: The branch code is often the last 6 characters of the IFSC or a numeric code shown on your passbook/cheque. For this branch the listed Branch Code is 3226, and the IFSC’s last six characters are MBGB06 which identify the branch under PNB’s coding.