Khirhar is a branch of Bihar Gramin Bank in Madhubani district of Bihar (PIN 847223). This page gives the branch details and explains the IFSC code you must use for electronic fund transfers. The IFSC is essential for routing NEFT, RTGS and IMPS transfers to the correct bank and branch. Using the correct IFSC reduces delays, failed transactions, and misrouting of funds.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Khirhar |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100330 |
| Branch Address | Khirhar, MADHUBANI, 847223, 9297954858 |
| Contact Number | 9297954858 |
| City | MADHUBANI |
| District | MADHUBANI |
| Reason | MADHUBANI |
| Pincode | 847223 |
| State | Bihar |
Merger Update
Important: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) were reorganized under the Punjab National Bank sponsor arrangement. These units now use a single IFSC code PUNB0MBGB06 under Punjab National Bank’s routing system. Old UBGB and DBGB IFSC codes have been revoked. For any NEFT/RTGS/IMPS payments to Khirhar branch, use only PUNB0MBGB06. Using revoked or old IFSC values can cause a failed or delayed transfer.
What is IFSC Code?
The Indian Financial System Code (IFSC) is an 11-character alphanumeric code. Its structure is:
- First 4 characters: bank identifier. Example: PUNB stands for Punjab National Bank.
- 5th character: reserved and is 0 (zero) in most cases.
- Last 6 characters: branch identifier or branch code. Example: MBGB06 in PUNB0MBGB06.
The IFSC tells the payment network which bank and which branch should receive the funds. It is required for electronic transfers in India.
How to Use IFSC Code for NEFT, RTGS, IMPS
- Open your bank’s netbanking, mobile banking app, or visit the branch counter.
- Choose the transfer type: NEFT, RTGS, or IMPS. (IMPS is instant; NEFT and RTGS routing depends on the bank’s processing—confirm timings with your bank.)
- Enter beneficiary details:
- Beneficiary name as on account.
- Account number of the recipient.
- IFSC code: PUNB0MBGB06 (for Khirhar branch).
- Bank name and branch: Bihar Gramin Bank, Khirhar (use for your reference).
- Enter the amount and an optional remark. Verify all details on screen before confirming.
- Authenticate the transaction using OTP or transaction password as required by your bank.
- Keep the transaction reference or UTR number. Use it to track the transfer or to report issues.
Benefits of Knowing the IFSC
- Ensures funds go to the correct branch and account without delay.
- Reduces failed transactions caused by incorrect routing.
- Makes online transfers (NEFT/RTGS/IMPS) faster and more reliable.
- Needed for linking accounts, submitting e-forms, and some payment gateways.
- Helps customer service locate transfers using the UTR and IFSC combination.
Contact
Branch phone no: 9297954858
Branch Address: Khirhar, MADHUBANI, 847223
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777
FAQs
Q: Can I use any IFSC for a transfer if I know the account number?
A: No. The IFSC uniquely routes the message to the beneficiary branch. Using the wrong IFSC can cause the transfer to fail or be delayed. Always use the exact IFSC for the beneficiary branch — here, PUNB0MBGB06 for Khirhar.
Q: Where can I find the IFSC on documents?
A: IFSC is printed on the cheque leaf of the account holder. It is also available on passbooks, bank statements, or the bank’s branch information sheet. For Khirhar branch use PUNB0MBGB06.
Q: What happens if I enter an old UBGB or DBGB IFSC?
A: Old UBGB/DBGB IFSC codes have been revoked. Transactions using revoked codes may fail or return. Use the new valid IFSC PUNB0MBGB06. If a transfer was initiated with an old code, contact your bank with the transaction reference.
Q: Do I need IFSC for IMPS using mobile number?
A: IMPS can work with MMID or mobile+account depending on the bank and setup. When you transfer using account number via mobile banking, you must enter the IFSC. If using an MMID or VPA (UPI ID), IFSC may not be required.
Q: What is MICR and when is it used?
A: MICR (Magnetic Ink Character Recognition) is a 9-digit code used mainly for cheque clearing. For Khirhar branch the MICR is 800811002. Electronic transfers use IFSC; cheque processing uses MICR.
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.