The Phulkaha branch of Bihar Gramin Bank is located in the Araria district of Bihar. To send money to an account at this branch, or any other branch of this bank, you need a specific code. This is the Indian Financial System Code, or IFSC. It acts like a unique address for each bank branch, ensuring that electronic fund transfers through systems like NEFT, RTGS, and IMPS reach the correct destination without errors.
Bihar Gramin Bank, Phulkaha Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Phulkaha |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100737 |
| Branch Address | Phulkaha, ARARIA, 854336 |
| Contact Number | 9297954381 |
| City | ARARIA |
| District | ARARIA |
| Pincode | 854336 |
| State | Bihar |
Merger Update for Bihar Gramin Bank
Bihar Gramin Bank was formed through the merger of two regional rural banks: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). Punjab National Bank (PNB) is the sponsor bank for this new entity. Because of this sponsorship, all branches of Bihar Gramin Bank now use a single, unified IFSC code for transactions: PUNB0MBGB06. The old IFSC codes that belonged to UBGB and DBGB branches have been discontinued and are no longer valid. To ensure your fund transfers are successful, you must use the new code.
Understanding the IFSC Code
The IFSC is an 11-character code that uniquely identifies a bank branch within India’s electronic payment network. Its structure is designed for accuracy in routing financial transactions.
Let’s break down the IFSC code PUNB0MBGB06:
- PUNB: The first four letters represent the bank. In this case, it signifies Punjab National Bank, the sponsor bank.
- 0: The fifth character is always a zero. It is reserved for future use by the Reserve Bank of India (RBI).
- MBGB06: The last six characters identify the specific bank entity. Following the merger, ‘MBGB06’ is used as a common identifier for all branches of Bihar Gramin Bank for centralized processing.
How to Use the IFSC Code for Fund Transfers
Using the IFSC code for an online money transfer is a straightforward process. Whether you use net banking or a mobile app, the steps are generally the same.
- Log in to your bank’s internet or mobile banking platform.
- Navigate to the “Fund Transfer” section and choose the payment method: NEFT, RTGS, or IMPS.
- Select “Add Beneficiary” or “Add Payee.” You will need to enter the recipient’s details.
- Enter the beneficiary’s name, bank account number, and the IFSC code: PUNB0MBGB06.
- After the beneficiary is added (which may take a few minutes or up to a few hours), you can initiate the transfer.
- Enter the amount you wish to send and confirm the transaction, usually with a password or a One-Time Password (OTP).
Why the IFSC Code is Important
- Accuracy: The primary benefit is accuracy. The code ensures your money is routed to the correct bank and branch, minimizing the risk of misdirected funds.
- Speed: It automates the transfer process, allowing for faster settlement of transactions. IMPS transfers are instant, while NEFT and RTGS are settled in batches or real-time, respectively.
- Security: The IFSC code acts as a verification layer, confirming that the branch you intended to send money to matches the bank’s records.
- Error Reduction: By eliminating manual intervention in the routing process, the code significantly reduces the chances of human error during transactions.
Contact Information
For direct assistance, you can contact the branch or the bank’s head office.
Branch Contact
Phone Number: 9297954381
Address: Phulkaha, ARARIA, Bihar – 854336
Head Office
Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll-Free Number: 18001807777
Frequently Asked Questions
Is the IFSC code PUNB0MBGB06 only for the Phulkaha branch?
No. After the merger of regional banks, Bihar Gramin Bank adopted this single IFSC code for all its branches for NEFT and RTGS transactions. It simplifies the process for customers.
What happens if I use an old UBGB or DBGB IFSC code?
The transaction will most likely be rejected and fail. The old codes are invalid and have been permanently replaced. You must use PUNB0MBGB06 to ensure the transfer is processed.
Can I use this IFSC code for IMPS transfers?
Yes, this IFSC code is valid for all three major types of electronic transfers: NEFT, RTGS, and IMPS, to any Bihar Gramin Bank account.
Why does the code start with ‘PUNB’ for Bihar Gramin Bank?
‘PUNB’ stands for Punjab National Bank. As the sponsor bank for Bihar Gramin Bank, PNB provides the underlying financial and technical infrastructure, and the IFSC code reflects this sponsorship.
Where can I verify the IFSC code?
You can find the IFSC code printed on a cheque leaf from the bank, on your passbook, or within your bank’s official mobile banking application. It is always best to verify it from an official source.
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.