Bihar Gramin Bank AMRAI IFSC Code

The AMRAI branch of Bihar Gramin Bank is located in the Bhojpur district of Bihar. For anyone looking to send or receive money through this branch, understanding its unique codes is essential. The Indian Financial System Code (IFSC) is a critical piece of information required for all online fund transfers in India, including National Electronic Funds Transfer (NEFT), Real-Time Gross Settlement (RTGS), and Immediate Payment Service (IMPS). This code ensures that your money is routed correctly and securely to the intended bank branch, preventing errors and delays.

Branch Details

Merger and IFSC Update

Bihar Gramin Bank was formed by the merger of two former regional rural banks: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). This consolidated bank is now sponsored by Punjab National Bank (PNB). As a result of this merger, all old IFSC codes belonging to UBGB and DBGB branches are now invalid and have been revoked. For any transaction to the AMRAI branch, or any other branch of Bihar Gramin Bank, you must use the new IFSC code, which starts with ‘PUNB’. Using an old code will result in a failed transaction.

What is an IFSC Code?

An IFSC code is an 11-character alphanumeric code assigned by the Reserve Bank of India (RBI) to identify a specific bank branch within its electronic payment system. It has a standard structure that ensures every branch has a unique identifier.

Let’s break down the AMRAI branch IFSC code, PUNB0MBGB06:

• PUNB: The first four letters represent the name of the sponsor bank, which is Punjab National Bank.
• 0: The fifth character is always a zero. It is a control character reserved for future use.
• MBGB06: The last six characters are the unique code for the AMRAI branch of Bihar Gramin Bank.

How to Use the IFSC Code

Using the IFSC code for an online money transfer is a straightforward process. Whether you are using a mobile banking app or a web portal, the steps are generally the same.

1. Log in to your net banking or mobile banking application.
2. Navigate to the ‘Fund Transfer’ or ‘Payments’ section and select the transfer type (NEFT, RTGS, or IMPS).
3. Add a Beneficiary. You will be asked to provide details of the person or entity you are sending money to.
4. Enter the Details: Fill in the beneficiary’s name, account number, and the IFSC code of their bank branch. For the AMRAI branch, you would enter PUNB0MBGB06.
5. Verify and Confirm: Double-check all the details, especially the account number and IFSC code, before confirming the transaction. Once the beneficiary is added, you can transfer funds immediately.

Benefits of Using the Correct IFSC Code

• Accurate Transfers: The primary benefit is ensuring your funds reach the correct bank and branch without any misdirection.
• Error Prevention: It eliminates the possibility of human error in identifying the destination branch, which could happen if only the branch name and city were used.
• Faster Processing: The code allows for automated processing of transactions, which speeds up settlement times for NEFT and RTGS.
• System Compatibility: It is a mandatory requirement for participating in India’s primary electronic payment networks.

Contact Information

For any queries or assistance, you can contact the branch or the bank’s head office directly.

• Branch Contact Number: 9771464005
• Branch Address: AMRAI, Bhojpur, Bihar – 802154
• Head Office Address: Bihar Gramin Bank, SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number: 18001807777

Frequently Asked Questions

1. Why does the Bihar Gramin Bank IFSC code start with ‘PUNB’?

Bihar Gramin Bank is sponsored by Punjab National Bank (PNB). The RBI has assigned IFSC codes for all its branches under the sponsor bank’s identifier, which is ‘PUNB’.

2. Can I still use my old Dakshin Bihar Gramin Bank IFSC code for a transfer?

No. After the merger, all old IFSC codes for both Dakshin Bihar Gramin Bank and Uttar Bihar Gramin Bank are invalid. You must use the new ‘PUNB’ series IFSC code for all transactions to avoid failure.

3. What could happen if I enter the wrong IFSC code?

If the IFSC code you enter does not exist, the transaction will be rejected and the money will be credited back to your account. If the IFSC code is valid but belongs to a different branch, the funds could be sent to the wrong branch, causing delays in getting your money back.

4. Is the IFSC code the same for all branches of Bihar Gramin Bank?

No. While the first four letters (‘PUNB’) are the same for all branches, the last six characters are unique to each specific branch. For example, the code for the AMRAI branch is PUNB0MBGB06, but another branch will have a different code.

5. Is the MICR code the same as the IFSC code?

No, they are different. The MICR (Magnetic Ink Character Recognition) code is a 9-digit code used primarily for processing cheques, while the 11-character IFSC code is used for online fund transfers.

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.