Bihar Gramin Bank Alinagar IFSC Code

Alinagar is a town in Darbhanga district of Bihar (PIN 847405). This article gives the IFSC code and practical details for the Bihar Gramin Bank, Alinagar branch. IFSC codes are essential for electronic fund transfers such as NEFT, RTGS and IMPS. The IFSC routes the payment to the correct bank and branch and prevents mis‑routing of funds. Always verify the IFSC and account number before you send money.

Branch Details

Merger Update

If this branch was earlier part of Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB), note that both banks have merged and now use the single IFSC code PUNB0MBGB06 under Punjab National Bank. Old UBGB IFSC codes have been revoked. Only the new IFSC code PUNB0MBGB06 is valid for transactions. Always use the current IFSC shown above when adding beneficiaries.

What is IFSC Code?

IFSC stands for Indian Financial System Code. It is an 11‑character alphanumeric code used to identify bank branches in electronic fund transfers. The structure is:

• First 4 characters: bank identifier (example: PUNB for Punjab National Bank).
• 5th character: always 0 (reserved for future use).
• Last 6 characters: branch identifier (example: MBGB06 in PUNB0MBGB06).

In this branch’s IFSC PUNB0MBGB06: “PUNB” = bank, “0” = reserved, “MBGB06” = branch code.

How to Use IFSC Code

Steps to make a transfer (NEFT, RTGS, IMPS):

• Collect beneficiary details: name, bank name, branch name, account number and IFSC (PUNB0MBGB06).
• Log into your bank’s netbanking or mobile app, or visit a bank branch.
• Choose transfer type:
  • IMPS for instant transfers (24×7, small to medium amounts).
  • NEFT for standard transfers (usually available in near‑real time; some banks still batch process).
  • RTGS for large value transfers (usually for amounts ≥ ₹2,00,000; check your bank limits).
• Enter beneficiary name, account number and IFSC exactly as provided. Enter branch name or city if requested.
• Enter amount and purpose. Verify details on screen. Confirm and authenticate (OTP/transaction password).
• Save the beneficiary after successful transfer for future use. Re‑verify IFSC if the beneficiary is newly added after a merger or migration.

Benefits of Knowing the IFSC

• Accurate routing: ensures funds reach the exact branch and account.
• Faster transfers: correct IFSC reduces failed or returned transactions.
• Required for NEFT/RTGS/IMPS and e‑payments like utility or vendor transfers.
• Helpful when filling cheques, deposit slips or bank mandate forms.
• Essential when banks merge or reassign branches so you use the valid code.

Contact

Branch Phone: 9297955149
Branch Address: Alinagar, DARBHANGA, 847405
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll Free: 18001807777

FAQs

• Q: Is PUNB0MBGB06 the only valid IFSC for Alinagar now?
  A: Yes. Use PUNB0MBGB06 for fund transfers to the Alinagar branch. If the branch was earlier under UBGB/DBGB, those old IFSCs are revoked after the merger.
• Q: What happens if I enter the wrong IFSC?
  A: If the IFSC does not match the bank or branch, the transfer will likely fail or be returned. In some cases, funds can be misrouted and require manual reconciliation, which takes time. Always double‑check IFSC and account number.
• Q: Can I use this IFSC for NEFT, RTGS and IMPS?
  A: Yes. The IFSC is used for all three systems. Choose RTGS for high‑value transfers as per your bank’s rules, NEFT for regular transfers and IMPS for instant transfers.
• Q: What is the MICR code used for?
  A: MICR (800811002) is a 9‑digit code used mainly for cheque clearance through the clearing system. It is not required for NEFT/RTGS/IMPS.
• Q: How do I verify the IFSC before sending money?
  A: Verify the IFSC from your beneficiary directly, check recent bank communication or call the branch at 9297955149. Use the IFSC exactly as shown: PUNB0MBGB06.

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.