The Bihar Gramin Bank branch at Powkhali is located in Kishanganj district, Bihar (PIN 855108). This IFSC code—PUNB0MBGB06—is required when you send or receive electronic funds using NEFT, RTGS or IMPS. The IFSC routes your payment to the correct bank and branch. Using the correct IFSC prevents failed transfers and delays.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Powkhali |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100729 |
| Branch Address | Powkhali, KISHANGANJ, 855108, 9297954403 |
| Contact Number | 9297954403 |
| City | KISHANGANJ |
| District | KISHANGANJ |
| Reason | ARARIA |
| Pincode | 855108 |
| State | Bihar |
Merger Update
Important: The regional rural banks Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) were consolidated and now operate under Punjab National Bank (PNB) sponsorship. Both banks’ old IFSC codes issued under UBGB or DBGB have been revoked. All electronic transfers to branches formerly under UBGB/DBGB must use the single, current IFSC code PUNB0MBGB06. Using any old UBGB/DBGB IFSC will cause the transaction to fail.
What is an IFSC Code?
An IFSC (Indian Financial System Code) is an 11-character code that identifies a bank branch for electronic payments.
- Characters 1–4: Bank identifier (for example, “PUNB” = Punjab National Bank).
- Character 5: Always “0” (reserved for future use).
- Characters 6–11: Branch identifier (unique to the specific branch).
Example: For PUNB0MBGB06 — “PUNB” = PNB, “0” = reserved, “MBGB06” = Powkhali branch identifier.
How to Use IFSC Code (NEFT, RTGS, IMPS)
- Open your bank’s netbanking, mobile app, or visit a branch for a paper form.
- Select the transfer type: NEFT, RTGS or IMPS. (IMPS is instant and available 24×7; NEFT and RTGS availability depends on your bank’s service hours.)
- Enter beneficiary details:
- Beneficiary name (as per bank records).
- Beneficiary account number.
- IFSC code: PUNB0MBGB06 (for Bihar Gramin Bank Powkhali).
- Amount and optional remark/purpose.
- Verify all details carefully. A wrong IFSC or account number can route funds to the wrong branch or cause failure.
- Authorize the transfer using your OTP, transaction PIN or physical signature as required.
- Save the transaction reference or UTR for future tracking.
Benefits of Knowing the Correct IFSC
- Ensures funds reach the exact branch and account without delay.
- Reduces failed or returned transactions and related charges.
- Makes online and mobile transfers quicker and safer.
- Required for setting up beneficiaries in netbanking and apps.
- Helps reconcile payments using MICR, branch code and UTR references.
Contact
Branch Phone: 9297954403
Branch Address: Powkhali, KISHANGANJ, 855108
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll-free: 18001807777
FAQs
Q: Can I use the old UBGB IFSC to send money?
A: No. Old UBGB IFSC codes have been revoked after the merger. Use the current IFSC PUNB0MBGB06 for transfers to this branch.
Q: What is the difference between IFSC and MICR?
A: IFSC routes online electronic transfers (NEFT/RTGS/IMPS). MICR (Magnetic Ink Character Recognition) code, like 800811002, is used for cheque clearing. Both identify the branch but serve different processes.
Q: What happens if I enter the wrong IFSC?
A: If IFSC and account number don’t match, the transfer may fail or be returned. If the IFSC points to another valid branch and the account number exists there, funds could go to the wrong account. Always verify before confirming.
Q: How can I confirm the IFSC before transferring?
A: Confirm via a recent cheque leaf, passbook, bank statement, branch phone (9297954403), or by asking at the branch counter. Also cross-check the branch address and MICR code to reduce errors.
Q: Which transfer method should I use — NEFT, RTGS, or IMPS?
A: Use IMPS for immediate small-value transfers, available 24×7. Use RTGS for large-value transactions that need gross settlement. Use NEFT for regular value transfers; IMPS/NEFT availability can vary by bank, so check your bank’s platform for options.
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.