Khirama Pathra is a branch of Bihar Gramin Bank located in Darbhanga, Bihar (PIN 847121). For anyone sending or receiving funds to this branch, the IFSC code is essential. Banks use IFSC codes to route electronic transfers through NEFT, RTGS and IMPS. Entering the correct IFSC ensures the payment reaches the intended branch quickly and without errors.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Khirama Pathra |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100451 |
| Branch Address | Khirama Pathra, DARBHANGA, 847121, 9297955112 |
| Contact Number | 9297955112 |
| City | DARBHANGA |
| District | DARBHANGA |
| Reason | DARBHANGA |
| Pincode | 847121 |
| State | Bihar |
Merger Update
Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been reorganized under Punjab National Bank’s platform for unified operations. As a result, branches formerly under UBGB/DBGB now use the single IFSC code PUNB0MBGB06 for electronic transfers. Old IFSC codes that belonged to UBGB or DBGB have been revoked. Only the new IFSC code PUNB0MBGB06 is valid for NEFT, RTGS and IMPS transactions to these merged branches.
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 fund transfers. The structure is:
- First 4 characters: Bank identifier (letters). Example: PUNB = Punjab National Bank.
- 5th character: Always 0 (reserved).
- Last 6 characters: Branch identifier (alphanumeric). Example: MBGB06 denotes the specific branch or group code.
So the IFSC PUNB0MBGB06 breaks down as: PUNB (bank) + 0 + MBGB06 (branch code).
How to Use IFSC Code
Follow these steps when making a transfer via NEFT, RTGS or IMPS:
- Log in to your bank’s netbanking portal, mobile app, or visit the branch.
- Choose the transfer type:
- NEFT — for regular electronic transfers (no minimum usually).
- RTGS — for high-value real-time transfers (generally for amounts ≥ ₹2,00,000; check your bank’s limits).
- IMPS — instant transfer available 24×7 (subject to bank limits).
- Add or select the beneficiary. Provide:
- Beneficiary name
- Account number
- IFSC code: PUNB0MBGB06 for Khirama Pathra
- Bank branch (optional but helpful): Khirama Pathra, Darbhanga
- Enter the amount and purpose. Confirm details and authorize (OTP/password/signature as required).
- Save the beneficiary if you will transfer again. For NEFT/RTGS many banks require a beneficiary to be added and verified before the first transfer.
Always double-check the IFSC and account number before confirming. Mistakes can delay funds or require manual intervention to recover.
Benefits of Knowing the IFSC
- Ensures accurate routing of electronic payments to the correct branch.
- Speeds up settlement for NEFT, RTGS and IMPS transfers.
- Reduces errors and failed transactions caused by wrong branch identification.
- Helps when filling bank forms for salaries, vendor payments and online purchases.
- Makes reconciliation easier for businesses (pair IFSC with branch/MICR).
Contact
Branch phone no: 9297955112
Branch Address: Khirama Pathra, DARBHANGA, 847121, 9297955112
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777
FAQs
Q: Is PUNB0MBGB06 the only valid IFSC for Khirama Pathra branch?
A: Yes. After the merger and reorganisation, PUNB0MBGB06 is the valid IFSC to be used for electronic transfers to this branch. Any older UBGB/DBGB IFSC codes have been revoked.
Q: What happens if I enter a wrong IFSC?
A: If the IFSC does not match the bank and branch details, the payment may be rejected or routed incorrectly. Most systems validate IFSC against bank name and will block obvious mismatches. If funds do go out incorrectly, recovery requires the sending bank and the receiving bank to coordinate, which can take days.
Q: How can I verify the IFSC before making a transfer?
A: Verify the IFSC from the bank-provided documents (cheque leaf, passbook), call the branch at 9297955112, or check the bank’s official communications. After the UBGB/DBGB merger, confirm that you use the consolidated IFSC PUNB0MBGB06.
Q: Does MICR matter for online transfers?
A: MICR (800811002) is used mainly for cheque-clearing through the clearinghouse. It is not required for NEFT/RTGS/IMPS, which rely on IFSC and account numbers.
Q: Are NEFT/RTGS/IMPS available 24×7?
A: IMPS is available 24×7. NEFT is generally available in almost round-the-clock batches now, but check your bank for specific hours. RTGS is near real-time for eligible transactions; some banks provide RTGS 24×7. Always confirm cut-off times and charges with your bank.
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.