Bihar Gramin Bank PATEL CHOWK IFSC Code

Bihar Gramin Bank PATEL CHOWK IFSC Code

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PATEL CHOWK branch of Bihar Gramin Bank is located in Kaimur (Bhabua), Bihar, PIN 821101. This IFSC information is used to route electronic fund transfers such as NEFT, RTGS and IMPS to the correct bank and branch. Entering the correct IFSC prevents delays or failed transfers and ensures the funds reach the intended account.

Branch Details

Bank Name Bihar Gramin Bank
Branch Name PATEL CHOWK
IFSC Code PUNB0MBGB06
MICR Code 800811002
Branch Code 6856
Branch Address PATEL CHOWK, Kaimur (Bhabua), 821101, 7485096856
Contact Number 7485096856
City Kaimur (Bhabua)
District Kaimur (Bhabua)
Reason BHABHUA
Pincode 821101
State Bihar

Merger Update

If this branch previously belonged to Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB), note the following: both UBGB and DBGB have been merged and their operations now use the single IFSC PUNB0MBGB06 under Punjab National Bank. Old UBGB and DBGB IFSC codes have been revoked. Only the new IFSC PUNB0MBGB06 is valid for NEFT, RTGS and IMPS transactions. Always confirm the IFSC before initiating transfers.

What is IFSC Code?

IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code used to identify a bank branch for electronic transfers. The format is fixed:

  • First 4 characters – bank code (example: PUNB = Punjab National Bank).
  • 5th character – always zero (0), reserved for future use.
  • Last 6 characters – branch identifier (example: MBGB06 identifies the specific branch).

So in PUNB0MBGB06, PUNB = bank, 0 = reserved, MBGB06 = branch code.

How to Use IFSC Code

  • Open your bank’s netbanking portal or mobile app and go to “Add Beneficiary” or “New Payee”.
  • Enter beneficiary name, account number and the IFSC PUNB0MBGB06 exactly as given.
  • Some banks auto-verify the IFSC and display the branch name. Confirm the branch shown is PATEL CHOWK, Kaimur (Bhabua).
  • Choose the transfer mode: NEFT, RTGS or IMPS. IMPS is instant; NEFT/RTGS processing depends on bank policy but are generally very fast.
  • Confirm and authenticate the transaction (OTP or transaction PIN). Keep the transaction ID for reference.
  • If the bank asks for MICR for cheque-based processes, use 800811002.

Benefits of Knowing the IFSC

  • Ensures funds route to the exact branch and avoid misdirected transfers.
  • Required when adding a beneficiary for NEFT, RTGS or IMPS in internet banking or mobile banking apps.
  • Helps customer support trace and resolve failed or delayed transactions faster.
  • Makes verification quick: banks often show branch name when IFSC is correct.
  • MICR and IFSC together speed up electronic and cheque clearing processes.

Contact

Branch Phone: 7485096856

Branch Address: PATEL CHOWK, Kaimur (Bhabua), 821101

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

Toll Free: 18001807777

FAQs

  • Q: Is PUNB0MBGB06 the only valid IFSC for this branch?

    A: Yes. After the merger and consolidation, PUNB0MBGB06 is the valid IFSC for transactions to this branch. Old UBGB/DBGB IFSCs are revoked.

  • Q: What happens if I enter a wrong IFSC?

    A: If the IFSC does not match the beneficiary bank details, most banks will flag and reject the transfer. In rare cases where a wrong IFSC matches another valid branch with the same account number, funds could route incorrectly. Always verify the IFSC and account number before sending money.

  • Q: Where can I verify this IFSC?

    A: Verify on your account passbook, cheque leaf, bank branch noticeboard, or by calling the branch at 7485096856 or the bank toll-free number 18001807777.

  • Q: Do I need IFSC for UPI transfers?

    A: UPI uses a Virtual Payment Address (VPA) and generally does not require IFSC. IFSC is required when you add a bank account beneficiary for NEFT/RTGS/IMPS outside UPI apps.

  • Q: What is MICR and when is it used?

    A: MICR (Magnetic Ink Character Recognition) code is used for processing and clearing physical cheques. For this branch the MICR is 800811002. It is not required for online NEFT/RTGS/IMPS transfers but is needed for cheque processing and some offline clearance processes.

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