The Bihar Gramin Bank branch in KHIRIAWAN is located in Aurangabad, Bihar. For anyone looking to send or receive money online through this branch, understanding its Indian Financial System Code (IFSC) is essential. This 11-character code acts as a unique address for the bank branch, ensuring that digital transactions like NEFT, RTGS, and IMPS are routed correctly and securely to the intended account.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | KHIRIAWAN |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 7111 |
| Branch Address | KHIRIAWAN, Aurangabad, 824218, 9771464111 |
| Contact Number | 9771464111 |
| City | Aurangabad |
| District | Aurangabad |
| Region | AURANGABAD |
| Pincode | 824218 |
| State | Bihar |
Merger and IFSC Code Update
It is important to know that Bihar Gramin Bank was formed by the merger of two other regional rural banks: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). After this consolidation, the bank is now sponsored by Punjab National Bank (PNB).
As part of the system integration, a single, centralized IFSC code has been assigned for all online transactions across all branches of Bihar Gramin Bank. This code is PUNB0MBGB06. All old IFSC codes belonging to the former UBGB and DBGB branches have been revoked and are no longer valid. Using an old code will cause your transaction to fail. For any NEFT, RTGS, or IMPS transaction, you must use the new, unified IFSC code.
What is an IFSC Code?
The Indian Financial System Code (IFSC) is an 11-character alphanumeric code that uniquely identifies a bank branch participating in electronic funds transfer systems. The code has a specific structure that helps route payments correctly.
Let’s break down the IFSC code PUNB0MBGB06:
- PUNB: The first four letters represent the bank’s name. In this case, it stands for Punjab National Bank, the sponsor bank.
- 0: The fifth character is always a zero. It is reserved for future use.
- MBGB06: The last six characters identify the bank’s entity within the central payment system. This part ensures the funds are directed to the correct bank network.
How to Use the IFSC Code
Using the IFSC code for an online fund transfer is a straightforward process. When you add a new beneficiary or initiate a payment through your internet banking portal or mobile app, you will need to provide the following details:
- Beneficiary’s Full Name (as per their bank account)
- Beneficiary’s Account Number
- Bank Name (Bihar Gramin Bank)
- IFSC Code: PUNB0MBGB06
This information is required for all major payment methods, including NEFT (for scheduled transfers), RTGS (for high-value, real-time transfers), and IMPS (for instant, 24/7 transfers). Double-checking the IFSC code before confirming a transaction helps prevent errors and delays.
Benefits of Using the Correct IFSC Code
- Accuracy: It ensures that your money is sent to the correct bank and branch network, eliminating routing errors.
- Speed: A valid IFSC code helps automate the fund transfer process, making transactions faster and more efficient.
- Security: It adds a layer of verification, reducing the risk of funds being sent to the wrong account.
- Universal Requirement: The code is mandatory for all major electronic payment systems managed by the Reserve Bank of India.
Contact Information
For any specific queries, you can reach out to the branch or the bank’s head office.
- Branch Phone Number: 9771464111
- Branch Address: KHIRIAWAN, Aurangabad, Bihar – 824218
- Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
- Toll-Free Number: 18001807777
Frequently Asked Questions
Is PUNB0MBGB06 the IFSC code for just the KHIRIAWAN branch?
No. After the merger of regional banks, PUNB0MBGB06 became the single, unified IFSC code for all branches of Bihar Gramin Bank for the purpose of receiving funds via NEFT, RTGS, and IMPS.
What happens if I use an old IFSC code from Dakshin Bihar Gramin Bank?
Your transaction will be rejected. The old codes are no longer active in the banking system. You must use the new code, PUNB0MBGB06, to ensure your payment is processed successfully.
Why does the code start with ‘PUNB’ for Bihar Gramin Bank?
Bihar Gramin Bank is sponsored by Punjab National Bank (PNB). The ‘PUNB’ prefix identifies the sponsor bank that manages the core banking and payment systems for its associated regional rural banks.
What is the difference between an IFSC code and a MICR code?
The IFSC code is an 11-character code used for online fund transfers. The MICR code is a 9-digit numeric code printed on the bottom of a cheque leaf with magnetic ink. It is used for the electronic processing of cheques.
Where can I find the IFSC code?
The IFSC code is printed on bank-issued chequebooks and passbooks. You can also find it on your bank’s official website or confirm it by contacting the branch directly.
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.