Bihar Gramin Bank Kusiargaon IFSC Code

The Kusiargaon branch of Bihar Gramin Bank is located in the Araria district of Bihar. For anyone looking to send or receive money online to an account at this branch, the Indian Financial System Code (IFSC) is essential. This unique 11-character code identifies the specific bank branch involved in digital transactions, ensuring that funds transferred through systems like NEFT, RTGS, and IMPS reach the correct destination without errors.

Branch Details

Bank Name	Bihar Gramin Bank
Branch Name	Kusiargaon
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	100780
Branch Address	Kusiargaon, ARARIA, 854325, 9297954376
Contact Number	9297954376
City	ARARIA
District	ARARIA
Region	ARARIA
Pincode	854325
State	Bihar

Merger and IFSC Update

It is important to know that Bihar Gramin Bank was formed by the merger of two other regional rural banks: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). After this amalgamation, Punjab National Bank (PNB) became the sponsor bank. As a result, all old IFSC codes belonging to UBGB and DBGB have been discontinued and are no longer valid. For any online transaction, you must use the new IFSC code, which starts with ‘PUNB’ to reflect the sponsorship by Punjab National Bank. Using an old, revoked IFSC code will lead to a failed transaction.

What is an IFSC Code?

An IFSC code is a unique alphanumeric code assigned by the Reserve Bank of India (RBI) to every bank branch participating in electronic fund transfers. The code has a specific structure that helps route transactions accurately.

Let’s break down the IFSC code PUNB0MBGB06:

• PUNB: The first four letters represent the bank’s name. In this case, it stands for Punjab National Bank, the sponsor bank for Bihar Gramin Bank.
• 0: The fifth character is always a zero. It is reserved for future use by the RBI.
• MBGB06: The last six characters identify the specific branch. This part of the code is unique to the Kusiargaon branch.

How to Use the IFSC Code for Fund Transfers

Using the IFSC code for an online money transfer is a straightforward process. Whether you are using NEFT, RTGS, or IMPS, the steps are generally the same.

1. Log in to Net Banking: Access your account through your bank’s official website or mobile application.
2. Add Beneficiary: Navigate to the fund transfer section and select ‘Add Beneficiary’ or ‘Add Payee’.
3. Enter Details: You will be asked to provide the recipient’s details. This includes their name, bank account number, and the IFSC code of their bank branch (PUNB0MBGB06 for the Kusiargaon branch).
4. Verify and Confirm: Double-check all the details you have entered. Once confirmed, the beneficiary will be added, sometimes after a cooling period or OTP verification.
5. Initiate Transfer: Once the beneficiary is active, you can select them from your list, enter the amount you wish to send, and complete the transaction.

Benefits of Using the Correct IFSC Code

• Ensures Accuracy: The primary benefit is that it guarantees your money is sent to the exact branch and account you intend.
• Prevents Errors: It significantly reduces the risk of transactions failing or being misrouted due to incorrect branch information.
• Enables Fast Processing: Correct IFSC codes allow automated systems to process NEFT, RTGS, and IMPS transactions quickly and efficiently.
• Mandatory for Online Banking: You cannot complete any online inter-bank transfer in India without providing the correct IFSC code for the recipient’s branch.

Contact Information

For any direct inquiries or assistance, you can reach out to the branch or the head office.

• Branch Phone Number: 9297954376
• Branch Address: Kusiargaon, ARARIA, Bihar – 854325
• Head Office Address: Shri Vishnu Commercial Complex, Asochak, Patna – 800030, Bihar
• Toll-Free Number: 18001807777

Frequently Asked Questions

1. What is the sponsor bank for Bihar Gramin Bank?
The sponsor bank for Bihar Gramin Bank is Punjab National Bank (PNB). This is why the IFSC codes for Bihar Gramin Bank branches start with ‘PUNB’.

2. Can I still use my old Uttar Bihar Gramin Bank (UBGB) IFSC code?
No. After the merger that formed Bihar Gramin Bank, all old IFSC codes from UBGB and Dakshin Bihar Gramin Bank (DBGB) were deactivated. You must use the new IFSC code for all transactions.

3. What happens if I enter the wrong IFSC code?
If you enter an invalid IFSC code, the transaction will most likely be rejected immediately by the banking system. If the code exists but points to the wrong branch, the transaction might be delayed or fail, with the funds being credited back to your account after a few business days.

4. Are NEFT, RTGS, and IMPS the same?
No, they are different systems for fund transfers. IMPS (Immediate Payment Service) is instant and available 24/7. NEFT (National Electronic Funds Transfer) processes transactions in hourly batches. RTGS (Real-Time Gross Settlement) is for high-value transactions (typically above ₹2 lakh) and settles them individually in real-time.

5. Is the IFSC code the same as the branch code?
No, they are different. The IFSC code is an 11-character code used for online fund transfers. The branch code (100780 for Kusiargaon) is a shorter, often numeric code used internally by the bank to identify its branches.