The Kinari branch of Bihar Gramin Bank is located in Kinari, Jehanabad district, Bihar (PIN 804429). For electronic fund transfers such as NEFT, RTGS and IMPS you must provide the correct IFSC. The IFSC routes the payment to the right bank and branch. A wrong or revoked IFSC can delay or return your transfer.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | KINARI |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 7460 |
| Branch Address | KINARI, Jehanabad, 804429, 7781004460 |
| Contact Number | 7781004460 |
| City | Jehanabad |
| District | Jehanabad |
| Reason | Patna |
| Pincode | 804429 |
| State | Bihar |
Merger Update
This branch now uses the single IFSC code PUNB0MBGB06 under Punjab National Bank. Both Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) were merged into a single entity and their legacy UBGB/DBGB IFSC codes have been revoked. Only the new IFSC PUNB0MBGB06 is valid for NEFT, RTGS and IMPS transfers. Do not use old UBGB or DBGB IFSC codes; such transfers will be rejected or returned.
What is IFSC Code?
The Indian Financial System Code (IFSC) is an 11-character code used to identify bank branches in electronic payments. Structure:
- First 4 characters: alphabetic bank code (example: PUNB for Punjab National Bank).
- 5th character: reserved and is always 0.
- Last 6 characters: alphanumeric branch identifier (example: MBGB06 in PUNB0MBGB06).
Example mapping for this branch: PUNB | 0 | MBGB06 = PUNB0MBGB06. The last six characters uniquely point to the Kinari branch within the bank’s network.
How to Use IFSC Code
Steps to complete a fund transfer (NEFT/RTGS/IMPS) using this IFSC:
- Open your bank’s netbanking or mobile app and select “Funds Transfer” or “Add Beneficiary”.
- Enter beneficiary name and account number exactly as provided.
- Enter the IFSC: PUNB0MBGB06. Use uppercase letters for clarity; systems treat it case-insensitively.
- Choose transfer type: NEFT (batch-based, no minimum), RTGS (real-time, usually for high-value transfers — check your bank’s minimum), or IMPS (instant, 24×7 for smaller amounts).
- Enter amount and purpose. Verify the branch (Kinari, Jehanabad) and MICR if prompted.
- Confirm details and authenticate with OTP or transaction password.
- Note the transaction reference number and verify beneficiary credit time as per chosen method.
Practical tips: verify IFSC and account number twice. For bulk or high-value RTGS, confirm cut-off times with your bank. IMPS is instant and works outside banking hours.
Benefits of Knowing the IFSC
- Ensures funds reach the correct branch and account without delays.
- Required for NEFT, RTGS and IMPS payments and for adding beneficiaries online.
- Helps banks reconcile and route transactions faster.
- Prevents misdirected transfers that can be time-consuming to trace.
- Needed for electronic mandates, salary credits, and some KYC or account linking processes.
Contact
Branch Phone: 7781004460
Branch Address: KINARI, Jehanabad, 804429
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll Free: 18001807777
FAQs
Q: Is PUNB0MBGB06 the only valid code now for this branch?
Yes. PUNB0MBGB06 is the valid IFSC for the Kinari branch after the merger. Old UBGB/DBGB IFSCs have been revoked.
Q: What if I enter a wrong IFSC but the correct account number?
Most systems validate the IFSC-account combination. If they do not match, the transfer may be rejected or returned. If payment succeeds despite mismatch, the receiving bank may still credit wrongly. Contact your bank immediately to trace and recover funds.
Q: Does IFSC change after a bank merger?
Yes. After mergers, legacy IFSCs can be replaced by a new code. In this case UBGB and DBGB codes were replaced by PUNB0MBGB06 under Punjab National Bank. Always confirm the current IFSC before transferring funds.
Q: Where else is IFSC used besides online transfers?
IFSC is used for electronic mandates, ECS setups in some contexts, and in bank forms for NEFT/RTGS/IMPS. It is also printed in many bank communication templates for clarity.
Q: How can I verify this branch IFSC?
Verify with the branch phone (7781004460), with an official bank statement, cheque leaf that lists IFSC/MICR, or by calling the bank’s toll-free number 18001807777. Always confirm IFSC before initiating large transfers.
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.