Khiri is a small branch location in Kaimur (Bhabua) district of Bihar. This page gives full branch details and explains the IFSC you must use for electronic fund transfers. The IFSC (Indian Financial System Code) is required when sending money via NEFT, RTGS or IMPS. Using the correct IFSC routes the payment to the right bank and branch, reduces failures and speeds up settlement.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | KHIRI |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 7494 |
| Branch Address | KHIRI, Kaimur (Bhabua), 821102, 7781004494 |
| Contact Number | 7781004494 |
| City | Kaimur (Bhabua) |
| District | Kaimur (Bhabua) |
| Reason | BHABHUA |
| Pincode | 821102 |
| State | Bihar |
Merger Update
This branch operates as Bihar Gramin Bank under the stewardship of Punjab National Bank for electronic clearing. Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) were merged into a single entity. After the merger, a single IFSC has been issued: PUNB0MBGB06 (under Punjab National Bank). Old UBGB and DBGB IFSC codes have been revoked. Do not use any legacy UBGB/DBGB IFSC for transfers; only PUNB0MBGB06 is valid for NEFT, RTGS and IMPS to this branch.
What is IFSC Code?
IFSC stands for Indian Financial System Code. It is an 11-character code used to identify bank branches for electronic transfers.
- First 4 characters (alphabetic) = bank code. Example: PUNB = Punjab National Bank.
- Fifth character = always 0 (reserved).
- Last 6 characters (alphanumeric) = branch identifier. Example: MBGB06 identifies the specific branch under the bank.
So PUNB0MBGB06 breaks down as: PUNB | 0 | MBGB06. The last six uniquely locate the Khiri branch within the bank’s network.
How to Use IFSC Code
Follow these steps when making NEFT, RTGS or IMPS transfers to this branch.
- Open your bank’s internet banking or mobile app, or visit the branch counter.
- Choose “Add Beneficiary” or “New Payee”.
- Enter beneficiary name and account number exactly as given by the recipient.
- Enter IFSC: PUNB0MBGB06. Double-check each character.
- Provide any other required details (account type, branch address or mobile number).
- Verify and confirm beneficiary. Some banks require OTP or branch approval.
- Choose transfer type:
- NEFT – no minimum amount; typically used for routine transfers. NEFT now runs 24×7.
- RTGS – for high-value transfers. Banks often set a minimum (commonly around ₹2,00,000); check your bank’s limit and charges.
- IMPS – immediate transfers, available 24×7; per-transaction limit depends on your bank.
- Enter amount and authorization (OTP / token) to complete the transfer.
- Save transaction reference for tracking. If there is an error, contact your bank with that reference.
Benefits of Knowing the IFSC
- Ensures funds reach the exact branch and account. Reduces returns and delays.
- Required to add beneficiaries for NEFT, RTGS and IMPS in online banking.
- Makes reconciliation simpler for businesses and individuals.
- Helps bank staff locate branch details quickly when you call or visit.
- Prevents misuse of legacy codes after mergers; using the current IFSC avoids failed transactions.
Contact
Branch Phone: 7781004494
Branch Address: KHIRI, Kaimur (Bhabua), 821102
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll Free: 18001807777
FAQs
Q: Can I use the old UBGB or DBGB IFSC for transfers to Khiri?
A: No. Old UBGB/DBGB IFSCs have been revoked after the merger. Use only PUNB0MBGB06 for transfers to this branch.
Q: What happens if I enter a wrong IFSC?
A: If the IFSC does not match the account details, the transfer may fail or be returned. In some cases the bank may route to a different branch with same account number format, causing delays or misrouting. Always verify account number and IFSC together before sending money.
Q: How can I verify this IFSC before sending money?
A: Verify the code printed on the recipient’s cheque leaf, ask the recipient to confirm from their branch, or call the branch phone (7781004494). Use the exact code: PUNB0MBGB06.
Q: Which transfer method is fastest?
A: IMPS is instant and available 24×7. RTGS and NEFT are also available round-the-clock now, but choose RTGS only for large-value payments (check your bank’s minimum and charges).
Q: Is MICR the same as IFSC?
A: No. MICR (Magnetic Ink Character Recognition) is a 9-digit code used mainly for cheque processing. IFSC is used for electronic fund transfers. For Khiri, MICR is 800811002 and IFSC is PUNB0MBGB06.
Q: Who should I contact if a transaction to this IFSC fails?
A: First contact your remitting bank with the transaction reference. You can also call the Khiri branch at 7781004494 or the head office toll-free at 18001807777. Provide date, amount and reference for faster tracing.
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.