The Bihar Gramin Bank branch at Maheshkhunt is located in Khagaria district, Bihar (Pincode 851213). This branch serves local residents and small businesses around Maheshkhunt. For electronic fund transfers—NEFT, RTGS and IMPS—the branch’s IFSC code is the key identifier. The IFSC ensures your transfer is routed to the right bank and branch. Using the correct IFSC prevents delays, failed transactions, and manual reconciliation by the bank.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Maheshkhunt |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 3514 |
| Branch Address | Maheshkhunt, Khagaria, 851213, 8102918679 |
| Contact Number | 8102918679 |
| City | Khagaria |
| District | Khagaria |
| Reason | BEGUSARAI |
| Pincode | 851213 |
| State | Bihar |
Merger Update
Important: This Maheshkhunt branch previously operated under regional Gramin banks (Uttar Bihar Gramin Bank or Dakshin Bihar Gramin Bank). Both UBGB and DBGB have been merged under Punjab National Bank. All old UBGB and DBGB IFSC codes have been revoked. The single valid IFSC for this branch now is PUNB0MBGB06. Use only this IFSC for NEFT, RTGS and IMPS transfers. Transactions attempted with old IFSCs will fail or be returned.
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 payment systems.
- Structure: First 4 characters = bank identifier (example: PUNB = Punjab National Bank).
- 5th character: Always 0 (reserved).
- Last 6 characters: Branch identifier (example: MBGB06 points to the specific Maheshkhunt branch under the merged system).
How to Use IFSC Code
Follow these steps when making NEFT, RTGS or IMPS transfers:
- Open your bank’s internet banking or mobile app and choose fund transfer.
- Select transfer type: NEFT, RTGS or IMPS depending on urgency and amount.
- Enter beneficiary name and exact account number.
- Enter IFSC: PUNB0MBGB06 (copy-paste avoids typos).
- Provide account type (Savings/Current) and purpose, if asked.
- Verify all details on screen. Confirm and authenticate with OTP or transaction password.
- Note the transaction reference / UTR for future tracking and reconciliation.
Example: To send funds to a shop in Maheshkhunt, choose IMPS for immediate credit, enter the beneficiary account number and IFSC PUNB0MBGB06, authenticate, and you receive an instant confirmation with a reference ID.
Benefits of Knowing the IFSC
- Ensures funds go to the exact branch and account without manual intervention.
- Prevents failed transfers and reduces time to resolve errors.
- Makes reconciliation easier for businesses and payers (UTR ties to IFSC and branch).
- Aids branch-specific services such as RTGS high-value transfers that require branch routing.
- Useful when filling forms that request branch details, like NEFT mandates or credit remittances.
Contact
Branch Phone: 8102918679
Branch Address: Maheshkhunt, Khagaria, 851213
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll-free: 18001807777
FAQs
- Q: Can I use the IFSC code for UPI transfers?
A: No. UPI uses a Virtual Payment Address (VPA) like name@bank. IFSC is required for NEFT/RTGS/IMPS, not for UPI.
- Q: What happens if I enter the wrong IFSC?
A: If the IFSC does not match the account number, the transfer will usually fail and funds will be returned. If the IFSC points to a valid branch but account number belongs to another branch or bank, banks will attempt to route; however, mismatches can cause delays or manual investigation.
- Q: How can I confirm PUNB0MBGB06 is correct before sending money?
A: Confirm via the beneficiary’s cheque leaf, passbook, or by calling the branch at 8102918679. You can also verify with your bank’s beneficiary validation feature before initiating the transfer.
- Q: Is IMPS available for this branch and does IFSC matter?
A: IMPS is an instant 24×7 transfer system that uses IFSC for routing when you send to an account number. Use IFSC PUNB0MBGB06 for this branch.
- Q: What is the difference between IFSC and MICR?
A: IFSC is used for online electronic transfers and identifies the bank and branch. MICR (Magnetic Ink Character Recognition) code—here 800811002—is used mainly for cheque clearing and processing through clearing houses.
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.