Bihar Gramin Bank’s KUTUMBA KANCHANPUR branch serves customers in and around Kutumba Kanchanpur village in Aurangabad district, Bihar (PIN 824123). For electronic fund transfers like NEFT, RTGS and IMPS you must use the branch IFSC code to route money correctly. Using the correct IFSC ensures the payment reaches the right bank and branch without delay or return.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | KUTUMBA KANCHANPUR |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 6855 |
| Branch Address | KUTUMBA KANCHANPUR, Aurangabad, 824123, 7485096855 |
| Contact Number | 7485096855 |
| City | Aurangabad |
| District | Aurangabad |
| Reason | AURANGABAD |
| Pincode | 824123 |
| State | Bihar |
Merger Update
The KUTUMBA KANCHANPUR branch now operates under the single IFSC code PUNB0MBGB06 assigned to Punjab National Bank for the merged rural banks. Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged and their separate UBGB/DBGB IFSC codes were revoked. Only the new PUNB0MBGB06 IFSC is valid for NEFT, RTGS and IMPS. Do not use old UBGB or DBGB IFSC codes — such transfers will be returned or blocked.
What is IFSC Code?
IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code used to identify bank branches in electronic payments.
- First 4 characters: Bank identifier (example: PUNB = Punjab National Bank).
- 5th character: Always 0 (reserved for future use).
- Last 6 characters: Branch identifier (example: MBGB06 in PUNB0MBGB06).
So, PUNB0MBGB06 breaks down as: PUNB | 0 | MBGB06. That directs payments to Punjab National Bank’s specific branch record for KUTUMBA KANCHANPUR.
How to Use IFSC Code for NEFT, RTGS and IMPS
- Log in to your bank’s netbanking or mobile app. You can also visit a branch for a paper transfer form.
- Choose the transfer type: NEFT, RTGS or IMPS. Note: RTGS is for high-value real-time transfers (typically used for transactions ≥ ₹2,00,000; check your bank for the current minimum).
- Add beneficiary details: beneficiary name, account number, and IFSC PUNB0MBGB06. Enter the MICR if asked: 800811002.
- Verify the beneficiary details carefully. A single wrong digit in the IFSC or account number can send funds to the wrong account or cause a failure.
- Confirm and authorize the transfer using OTP or transaction PIN. For netbanking, some banks require a beneficiary activation window (up to a few hours) before first-time transfers.
- Keep the transaction reference number. Use it to track or dispute transfers if needed.
- For branch-based transfers, fill the paper form with the same details and keep the receipt.
Timing notes: IMPS is instant and available 24×7. NEFT and RTGS are also available round-the-clock but settlement and policies vary slightly by bank. Always check transfer limits and charges with your bank.
Benefits of Knowing the IFSC
- Ensures accurate routing of electronic payments to the correct bank branch.
- Saves time — you avoid failed transfers and returns.
- Required for tax payments, government receipts and online bill payments.
- Needed when adding beneficiaries in netbanking or mobile apps.
- Useful for verifying a branch when reconciling accounts or validating cheques (along with MICR).
Contact
Branch phone no: 7485096855
Branch Address: KUTUMBA KANCHANPUR, Aurangabad, 824123
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777
FAQs
Q: Can I use the old UBGB IFSC for transfers to this branch?
A: No. Old UBGB and DBGB IFSC codes have been revoked after the merger. Use only PUNB0MBGB06 for transactions to this branch.
Q: What happens if I enter the wrong IFSC but the correct account number?
A: Most systems use both IFSC and account number to route payments. If the IFSC does not match the account’s bank/branch, the transfer will likely be rejected or delayed. Always verify both fields.
Q: Is IFSC the same as MICR?
A: No. IFSC is used for electronic funds transfer routing. MICR is a 9-digit code used mainly for clearing cheques and for cheque-processing automation.
Q: Can I use this IFSC to receive funds from outside India?
A: For international transfers, banks often require SWIFT/BIC codes instead of IFSC. Check with your sending bank and the receiving bank (Punjab National Bank) for the correct SWIFT details. IFSC is used for domestic electronic transfers (NEFT, RTGS, IMPS).
Q: How do I confirm limits and charges for NEFT/RTGS/IMPS?
A: Limits and charges vary by bank and account type. Contact the branch at 7485096855 or the bank’s toll-free number 18001807777 for current details.
Q: Where should I report a failed or missing transfer?
A: First contact your sending bank with the transaction reference number. If needed, contact the receiving branch at 7485096855 or raise a complaint through the bank’s toll-free number.
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.