Bihar Gramin Bank Kishunpur Ratwara IFSC Code

The Bihar Gramin Bank branch at Kishunpur Ratwara is located in Madhepura district of Bihar (PIN 852112). This branch provides regular retail and rural banking services. For any electronic fund transfer — NEFT, RTGS or IMPS — the correct IFSC code is essential. The IFSC directs the payment to the correct bank and branch in the electronic payment network. Using the proper IFSC avoids delays, failed transfers, or misrouting of funds.

Branch Details

Bank Name	Bihar Gramin Bank
Branch Name	Kishunpur Ratwara
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	108112
Branch Address	Kishunpur Ratwara, MADHEPURA, 852112, 9297954320
Contact Number	9297954320
City	MADHEPURA
District	MADHEPURA
Reason	SAHARSA
Pincode	852112
State	Bihar

Merger Update

Important: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged into Punjab National Bank’s structure for these rural operations. As part of that consolidation the single IFSC code PUNB0MBGB06 is now used for transactions to branches that were earlier under UBGB or DBGB. Old UBGB/DBGB IFSC codes have been revoked. For any NEFT/RTGS/IMPS transfer to this Kishunpur Ratwara branch, use only the new IFSC PUNB0MBGB06. Transactions made with revoked IFSCs may fail or be returned; if you are uncertain, confirm the IFSC with the branch before transferring large sums.

What is IFSC Code?

The IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to route electronic payments to the correct bank branch. The structure is:

• First 4 characters — bank identifier (alphabetic). Example: PUNB = Punjab National Bank.
• 5th character — always the digit 0, reserved for future use.
• Last 6 characters — branch identifier (alphanumeric). Example: in PUNB0MBGB06, the last 6 are MBGB06 which identify the specific Kishunpur Ratwara branch within the bank’s system.

IFSC is used by NEFT, RTGS, and IMPS systems to uniquely identify the destination branch for fund transfers.

How to Use IFSC Code

1. Open your bank’s netbanking, mobile app, or visit the branch for an over-the-counter transfer.
2. Select the transfer type: NEFT, RTGS or IMPS. (IMPS is instant and available 24×7; RTGS is for large-value real-time transfers; NEFT is batch/settlement-based.)
3. Add beneficiary details: name, account number, and the IFSC PUNB0MBGB06. Double-check spelling and digits.
4. Verify the branch name and city shown by your bank after entering the IFSC. The bank name should show as Punjab National Bank (or Bihar Gramin Bank under PNB mapping) and the branch as Kishunpur Ratwara / Madhepura.
5. For first-time transfers, consider sending a small test amount (e.g., Rs. 1–100) to confirm details. For large transfers, wait for confirmation or call the beneficiary branch if unsure.
6. After initiating, note down the transaction reference (UTR/transaction ID). Use it for tracking or in case of any dispute.

Practical tips:

• Find the IFSC on cheque leaf, passbook, or the branch counter if you don’t have it digitally.
• If your bank app auto-fills beneficiary bank name from IFSC, verify it matches the intended branch before confirming.
• For corporate payments, include proper purpose/remarks to help reconciliation at the receiving branch.

Benefits of Knowing the IFSC

• Ensures funds are routed to the exact branch and account without delay.
• Reduces the risk of failed or misdirected transactions.
• Required for adding beneficiaries in netbanking and mobile apps.
• Helps customer service trace transactions quickly using IFSC + UTR.
• Makes bulk or recurring transfers easier and less error-prone.

Contact

Branch Phone: 9297954320

Branch Address: Kishunpur Ratwara, MADHEPURA, 852112

Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR

Toll free no: 18001807777

FAQs

Q: Is PUNB0MBGB06 the only IFSC I should use for Kishunpur Ratwara?
A: Yes. After the merger into Punjab National Bank’s structure this branch uses the IFSC PUNB0MBGB06. Old UBGB/DBGB codes are revoked and should not be used.

Q: What happens if I enter the wrong IFSC but correct account number?
A: If the IFSC points to a different bank or branch and the account number does not match any account at that destination, the transaction will typically fail and be returned. If the IFSC and account number both correspond to a valid but unintended account, funds may reach the wrong account. Always double-check both IFSC and account number.

Q: Where else can I find this branch’s IFSC?
A: Look on the cheque leaf or passbook issued by the branch. You can also confirm by calling the branch at 9297954320 or by asking at the branch counter.

Q: How long do NEFT, RTGS and IMPS transfers take?
A: IMPS is immediate and available 24×7. RTGS is real-time gross settlement for higher-value transfers and should be near-instant once processed. NEFT is settled in RBI-directed batches; in practice transfers clear within a few hours but timing can vary by bank and time of day. Check with your bank for exact timelines and any cut-off times.

Q: I used an old UBGB IFSC. What should I do?
A: Contact your bank immediately with the transaction reference (UTR). Provide beneficiary details and the old IFSC used. The bank will trace the transaction; if it is returned, you can re-initiate using the valid IFSC PUNB0MBGB06. For speed, call the beneficiary branch (9297954320) and your remitting bank’s support line.