Bihar Gramin Bank Kumar IFSC Code

The Bihar Gramin Bank, Kumar branch is located in Kumar, Jamui district, Bihar (PIN 811315). This branch serves local customers for deposits, withdrawals and remittances. For electronic transfers using NEFT, RTGS or IMPS you must use the correct IFSC code. The IFSC identifies the bank and branch in the RBI-managed payment system so funds route to the right account without delay.

Branch Details

Bank Name	Bihar Gramin Bank
Branch Name	Kumar
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	3438
Branch Address	Kumar, Jamui, 811315, 8102609029
Contact Number	8102609029
City	Jamui
District	Jamui
Reason	JAMUI
Pincode	811315
State	Bihar

Merger Update

The Bihar Gramin Bank network includes former Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) branches after consolidation. Both UBGB and DBGB have been merged operationally and now use a single IFSC code format under Punjab National Bank. The valid IFSC for the Kumar branch is PUNB0MBGB06. Old UBGB or DBGB IFSC codes have been revoked. Do not use old IFSC codes for transfers; they will not route funds. Always confirm the current IFSC before initiating payments.

What is IFSC Code?

IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code used to route electronic payments in India. The structure is:

• First 4 characters: bank identifier (example: PUNB = Punjab National Bank).
• 5th character: reserved and is 0 by standard.
• Last 6 characters: branch identifier (example: MBGB06 for this branch sequence).

So PUNB0MBGB06 breaks down to PUNB (bank) + 0 + MBGB06 (branch).

How to Use IFSC Code

• Open your bank’s netbanking or mobile banking app and choose “Fund Transfer.”
• Select the transfer type: NEFT, RTGS or IMPS. IMPS and NEFT are for most retail transfers; RTGS is for high-value, time-sensitive transfers.
• Enter beneficiary name, account number and the IFSC code PUNB0MBGB06. Verify each digit/letter—IFSC is case-insensitive but exact characters matter.
• Enter the transfer amount and any remarks. Confirm the details on the summary screen.
• Authenticate using your bank’s security method (OTP, token, etc.).
• Save the beneficiary after the first transfer if you will pay them regularly. Always re-check the saved IFSC if there’s a bank reorganization.

Benefits of Knowing the IFSC

• Ensures funds reach the correct branch and account without manual intervention.
• Speeds up NEFT/RTGS/IMPS settlements and reduces failed transactions.
• Required to add beneficiaries in internet and mobile banking.
• Helps resolve payment disputes faster by confirming routing details.
• Useful when filling cheque deposits or inward remittance forms.

Contact

Branch phone no: 8102609029

Branch Address: Kumar, Jamui, 811315

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

Toll free: 18001807777

FAQs

• Q: Is PUNB0MBGB06 the correct IFSC to use for Kumar branch transfers?

  A: Yes. PUNB0MBGB06 is the current and valid IFSC for the Kumar branch. Old UBGB/DBGB IFSCs are revoked and should not be used.

• Q: How can I verify the IFSC before sending money?

  A: Check the IFSC on a bank cheque leaf, passbook, account statement, or call the branch at 8102609029. Confirm with bank staff if there has been a recent merger or restructuring.

• Q: What is the difference between IFSC and MICR?

  A: IFSC routes electronic transfers (NEFT/RTGS/IMPS). MICR (Magnetic Ink Character Recognition) is a 9-digit number used mainly for cheque clearing in the banking clearinghouse.

• Q: Which transfer method should I use — NEFT, RTGS or IMPS?

  A: Use IMPS for immediate small-value transfers any time of day. NEFT is suitable for most transfers and now runs round-the-clock in batches; it is reliable and cost-effective. RTGS is for large or time-critical payments (commonly for amounts above ₹2 lakh — check your bank’s limit and charges).

• Q: Can IFSC codes change and what happens then?

  A: Yes. IFSC can change after mergers, rebranding, or branch reassignments. When that happens old codes are revoked and a new IFSC is issued. For example, UBGB and DBGB codes were revoked and the unified code PUNB0MBGB06 is now in force for these branches. Always verify before scheduling transfers.