The Bihar Gramin Bank branch in Anandpur is located in the Darbhanga district of Bihar. For anyone needing to send money to an account at this branch, understanding the Indian Financial System Code (IFSC) is essential. This unique 11-character code is mandatory for all major online fund transfers in India, including National Electronic Funds Transfer (NEFT), Real-Time Gross Settlement (RTGS), and Immediate Payment Service (IMPS). The IFSC ensures that your money is routed safely and accurately to the correct bank branch without any errors.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Anandpur |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100416 |
| Branch Address | Anandpur, DARBHANGA, 847101, 9297955140 |
| Contact Number | 9297955140 |
| City | DARBHANGA |
| District | DARBHANGA |
| Region | DARBHANGA |
| Pincode | 847101 |
| State | Bihar |
Merger and IFSC Update
It is important to note that Bihar Gramin Bank was formed by the amalgamation of two former regional rural banks: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). Following this merger, the banking systems were integrated under the sponsorship of Punjab National Bank (PNB).
As a result, all old IFSC codes belonging to the former UBGB and DBGB branches have been revoked and are no longer valid. For all online transactions to any Bihar Gramin Bank branch, including Anandpur, customers must now use the new, unified IFSC code: PUNB0MBGB06. Using an old code will result in a failed or rejected transaction.
What is an IFSC Code?
The IFSC code is an 11-character alphanumeric code assigned by the Reserve Bank of India (RBI) to identify every bank branch participating in the electronic funds transfer system. The code has a specific structure that helps in routing transactions correctly.
Let’s break down the Anandpur branch’s IFSC code, PUNB0MBGB06:
- PUNB: The first four letters represent the bank’s code. In this case, ‘PUNB’ stands for Punjab National Bank, which is the sponsor bank for Bihar Gramin Bank.
- 0: The fifth character is always a zero. It is reserved for future use.
- MBGB06: The last six characters represent the branch identifier. After the merger, this code is used to route funds to the centralized payment system of Bihar Gramin Bank.
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 a mobile banking app or a web portal, the steps are generally the same.
- Log in to your internet banking account or mobile banking application.
- Navigate to the ‘Fund Transfer’ or ‘Payments’ section. Common options are NEFT, RTGS, or IMPS.
- Add a new beneficiary (or payee). You will need to enter the recipient’s details.
- Enter the recipient’s name, their bank account number, and the account type (savings or current).
- In the IFSC field, carefully enter PUNB0MBGB06. Double-check for any typos.
- Enter the amount you wish to transfer and confirm the transaction, usually with a password or an OTP (One-Time Password).
Benefits of Using the Correct IFSC Code
- Accuracy: It ensures that the funds are credited to the correct bank and branch, eliminating transfer errors.
- Security: The code adds a layer of verification, making your online transactions more secure.
- Efficiency: It enables automated and faster processing of NEFT, RTGS, and IMPS transactions.
- Requirement: It is a mandatory requirement for all major forms of electronic fund transfers in India.
Contact Information
For direct assistance, you can reach out to the branch or the bank’s head office.
- Branch Contact Number: 9297955140
- Branch Address: Anandpur, Darbhanga, Bihar – 847101
- Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
- Toll-Free Number: 18001807777
Frequently Asked Questions
1. What is the new and correct IFSC code for Bihar Gramin Bank, Anandpur branch?
The only valid IFSC code for the Anandpur branch, and for all other Bihar Gramin Bank branches, is PUNB0MBGB06.
2. Can I still use my old Uttar Bihar Gramin Bank (UBGB) IFSC code?
No. All old IFSC codes from before the merger are now invalid. Transactions made using old codes will fail. You must use the new code, PUNB0MBGB06, for all transfers.
3. Why does the Bihar Gramin Bank IFSC code start with ‘PUNB’?
The code starts with ‘PUNB’ because Punjab National Bank (PNB) is the sponsor bank for Bihar Gramin Bank. The first four characters of an IFSC code always identify the parent or sponsor bank in the national payment system.
4. What is the difference between an IFSC code and a MICR code?
The IFSC code (PUNB0MBGB06) is used for online fund transfers like NEFT and RTGS. The MICR code (800811002) is a 9-digit code found at the bottom of a cheque leaf and is used for the electronic processing of cheques.
5. Is PUNB0MBGB06 the IFSC code for just the Anandpur branch?
Following the bank’s merger, PUNB0MBGB06 has been designated as the primary IFSC code for handling transactions for all branches of Bihar Gramin Bank. While you use this single IFSC, the bank’s internal system uses the recipient’s unique account number to route the funds to the correct branch, like Anandpur.
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.