Bihar Gramin Bank EKWARI IFSC Code

The Bihar Gramin Bank branch in EKWARI is located in the Bhojpur district of Bihar. For any online money transfer to this branch, you need a specific code called the Indian Financial System Code (IFSC). This 11-character code is essential for systems like National Electronic Funds Transfer (NEFT), Real-Time Gross Settlement (RTGS), and Immediate Payment Service (IMPS). The IFSC code acts like a unique address, ensuring that your money is routed directly to the correct bank branch without any errors or delays.

Branch Details

Important Merger Update

Bihar Gramin Bank was formed by the merger of two regional rural banks: the Uttar Bihar Gramin Bank (UBGB) and the Dakshin Bihar Gramin Bank (DBGB). Following this amalgamation, Punjab National Bank (PNB) became the sponsor bank. As a result, all branches of the newly formed Bihar Gramin Bank were assigned new IFSC codes starting with ‘PUNB’.

Please note that any old IFSC codes previously used for Uttar Bihar Gramin Bank or Dakshin Bihar Gramin Bank are now invalid and have been revoked. To ensure your transactions are successful, you must use the new IFSC code, PUNB0MBGB06, for the EKWARI branch. Using an old code will cause the transaction to fail.

What is an IFSC Code?

The Indian Financial System Code (IFSC) is an 11-character alphanumeric code assigned by the Reserve Bank of India (RBI) to identify every bank branch participating in online fund transfer systems. The code has a specific structure that helps route payments efficiently.

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

• First 4 Characters (PUNB): These letters represent the name of the bank. In this case, ‘PUNB’ stands for Punjab National Bank, the sponsor bank.
• Fifth Character (0): This is always a zero. It is a control character reserved for future use by the RBI.
• Last 6 Characters (MBGB06): This part is the branch identifier. It uniquely identifies the EKWARI branch within the Bihar Gramin Bank network.

How to Use the IFSC Code for Fund Transfers

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

1. Log in to your net banking account or mobile banking application.
2. Navigate to the ‘Fund Transfer’ section and select your preferred method (NEFT, RTGS, or IMPS).
3. Add the recipient as a ‘beneficiary’. You will need to provide their name, account number, and the bank’s IFSC code.
4. Enter the IFSC code PUNB0MBGB06 in the designated field. Most banking systems will automatically verify the code and populate the bank and branch name (Bihar Gramin Bank, EKWARI).
5. Enter the amount you wish to transfer and confirm the transaction after verifying all the details.

Benefits of Using the Correct IFSC Code

• Accuracy: It eliminates errors by ensuring your money is sent to the exact intended bank branch.
• Speed: The code allows for automated processing, which makes fund transfers faster and more efficient.
• Security: It adds a layer of validation to your transaction, reducing the risk of funds being sent to the wrong account.
• Universal Requirement: The IFSC code is mandatory for all major electronic fund transfer systems in India, making it a crucial piece of information for digital banking.

Contact Information

For any questions or assistance, you can contact the branch directly or reach out to the head office.

• Branch Contact: 9771464038
• Branch Address: EKWARI, Bhojpur, Bihar – 802208
• Head Office Address: Shri Vishnu Commercial Complex, Asochak, Patna – 800030, Bihar
• Toll-Free Number: 1800-180-7777

Frequently Asked Questions (FAQs)

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

The code starts with ‘PUNB’ because Punjab National Bank is the sponsor bank for Bihar Gramin Bank after the merger of Dakshin Bihar Gramin Bank and Uttar Bihar Gramin Bank.

Is PUNB0MBGB06 the IFSC code for all branches of Bihar Gramin Bank?

No. This code is unique to the EKWARI branch. While the first part (‘PUNB0’) might be common across many branches, the last six characters are specific to each branch.

What will happen if I use an old IFSC code from before the merger?

If you use an old, invalid IFSC code, your transaction will be rejected. The money will be credited back to your account, but this process can take a few business days.

Where else can I find my branch’s IFSC code?

The IFSC code is printed on the cheque leaves issued by the bank, usually near the top. It is also mentioned on the front page of your bank passbook.

Can I use this IFSC code for receiving money from another country?

No. IFSC codes are used exclusively for domestic fund transfers within India. For international money transfers, you will need a SWIFT code, which you can request from the bank.

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.