Bihar Gramin Bank Kapsiya IFSC Code

The Bihar Gramin Bank branch at Kapsiya serves customers in Kapsiya village and nearby areas of Begusarai district, Bihar (PIN 851101). For any electronic fund transfer—NEFT, RTGS or IMPS—you must use the correct IFSC. The IFSC uniquely identifies the bank and the branch in the payment system. Using the right code ensures funds route quickly and reach the intended account without delay.

Branch Details

Merger Update

Important: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged under Punjab National Bank (PNB). The consolidated branches now use the single IFSC code PUNB0MBGB06 for electronic transactions. Old UBGB and DBGB IFSC codes have been revoked. Only the new IFSC PUNB0MBGB06 is valid for NEFT, RTGS and IMPS transfers to this branch.

What is IFSC Code?

IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code used to identify a bank branch in electronic payment systems.

• First 4 characters = bank code (letters). Example: PUNB = Punjab National Bank.
• 5th character = reserved and is 0 (zero) by standard convention.
• Last 6 characters = branch identifier. They can be letters, numbers or both. Example: MBGB06 in PUNB0MBGB06.

How to Use IFSC Code

Use the IFSC when adding a beneficiary in your bank’s mobile app, netbanking portal or at a branch. Follow these steps:

1. Open fund transfer section (NEFT, RTGS or IMPS) in your bank app or website.
2. Choose to add a new beneficiary. Enter the beneficiary name exactly as on account records.
3. Enter the 11-character IFSC: PUNB0MBGB06 for Bihar Gramin Bank, Kapsiya branch.
4. Provide the beneficiary account number and confirm it carefully. Re-check both IFSC and account number.
5. Complete any validation steps (OTP, beneficiary activation period). For NEFT/RTGS, activation may take a few minutes to hours depending on bank rules. IMPS is usually instant once beneficiary is added.
6. Select transfer type: NEFT (batch, widely available), RTGS (real-time, for high-value transfers—usually above bank-specified minimum), or IMPS (instant, 24×7 for lower amounts). Then enter amount and authorize the transfer.

Tip: Copy-paste the IFSC from a trusted source or the bank’s printed documents. Do not rely on unofficial websites without verification.

Benefits of Knowing the IFSC

• Ensures correct routing of electronic payments (NEFT, RTGS, IMPS).
• Reduces failed transfers and return delays caused by incorrect bank/branch identification.
• Required for adding beneficiaries in netbanking and mobile banking apps.
• Needed for online bill payments, salary credits, subsidies and vendor payments.
• Simplifies reconciliation for businesses and accountants when matching receipts.

Contact

Branch Phone: 7061741219

Branch Address: Kapsiya, Begusarai, 851101

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

Toll Free Number: 18001807777

FAQs

• Q: Can I use the old UBGB or DBGB IFSC for transfers to Kapsiya?

  A: No. Old UBGB and DBGB IFSCs have been revoked after the merger. Use the new IFSC PUNB0MBGB06 for any electronic transfer to this branch.

• Q: What if I enter the wrong IFSC but the correct account number?

  A: The IFSC routes the payment to a branch. If the IFSC is wrong and points to a different bank/branch, the transaction may fail or be misrouted. Banks typically validate account number against IFSC. Always verify both before confirming.

• Q: Is IFSC case-sensitive?

  A: No. IFSC is not case-sensitive, but enter it in uppercase where possible because banks display codes in uppercase and some forms expect that format.

• Q: How fast are NEFT, RTGS and IMPS transactions?

  A: IMPS is instant and available 24×7. NEFT processes in hourly/batch windows (now largely near-real-time depending on bank). RTGS is real-time and meant for high-value transfers—availability and cutoffs depend on the sending bank.

• Q: Can I find IFSC on a cheque or passbook?

  A: Yes. IFSC is usually printed on the cheque leaf and can also be found in the passbook or account welcome letter. For merged banks, confirm the new IFSC with the branch before using.

Kriti Kumari

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.