Bihar Gramin Bank Bishanpur IFSC Code

The Bishanpur branch of Bihar Gramin Bank is located in the Darbhanga district of Bihar. For anyone looking to send or receive money through this branch, understanding the Indian Financial System Code (IFSC) is essential. This unique 11-character code identifies the specific bank branch involved in online transactions. It is a mandatory requirement for all electronic fund transfers in India, including National Electronic Funds Transfer (NEFT), Real-Time Gross Settlement (RTGS), and Immediate Payment Service (IMPS). Using the correct IFSC ensures your funds are routed accurately and without delay.

Branch Details

Important Merger Update

Bihar Gramin Bank was formed through the amalgamation of two former regional rural banks: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). This merged entity is sponsored by Punjab National Bank (PNB). As a result of this merger, all old IFSC codes belonging to the former UBGB and DBGB branches are now invalid and have been revoked. For any transaction to the Bishanpur branch, you must use the new, unified IFSC code: PUNB0MBGB06. Using an outdated code will cause your transaction to fail.

What is an IFSC Code?

The IFSC is an 11-character alphanumeric code that uniquely identifies a bank branch within India’s electronic fund transfer network. The structure is straightforward and provides specific information about the bank and its branch.

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

• PUNB: The first four letters represent the parent or sponsor bank. In this case, it stands for Punjab National Bank.
• 0: The fifth character is always a zero. It is reserved for future regulatory use.
• MBGB06: The last six characters are the unique identifier for the specific branch. For Bihar Gramin Bank branches, this part often signifies the merged bank and the specific branch location.

How to Use the IFSC Code for Fund Transfers

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

1. Log in to your internet banking portal or mobile banking application.
2. Navigate to the “Fund Transfer” section and choose your preferred method (NEFT, RTGS, or IMPS).
3. Add a new beneficiary or payee. You will be prompted to enter their account details.
4. Enter the recipient’s name, bank account number, and the branch IFSC code: PUNB0MBGB06.
5. Double-check all the details to ensure accuracy, especially the account number and IFSC code.
6. Enter the amount you wish to transfer, confirm the transaction, and authenticate it using your password or OTP.

Benefits of Using the Correct IFSC Code

• Transaction Accuracy: It ensures that your money is sent to the exact bank and branch you intend, eliminating routing errors.
• Faster Processing: Correct codes allow for automated, straight-through processing, which minimizes delays.
• Prevents Failures: Using the right IFSC is the primary way to avoid transaction rejections or bounces.
• System Mandate: It is a mandatory requirement for participating in India’s primary electronic payment systems.

Contact Information

For any direct inquiries, you can reach out to the branch or the head office.

Branch Contact

• Phone: 9297955082
• Address: Bishanpur, DARBHANGA, Bihar – 846003

Head Office

• Address: 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’?

The code starts with ‘PUNB’ because Punjab National Bank is the sponsor bank for Bihar Gramin Bank after the merger of UBGB and DBGB. The IFSC codes are standardized under the sponsor bank’s identifier.

2. Can I still use my old Uttar Bihar Gramin Bank (UBGB) IFSC code?

No. All old IFSC codes from both Uttar Bihar Gramin Bank and Dakshin Bihar Gramin Bank are now inactive. You must use the new IFSC code, PUNB0MBGB06, for all transactions to the Bishanpur branch to be successful.

3. What happens if I enter the wrong IFSC code?

If the IFSC code you enter does not exist, the transaction will be rejected immediately. If it corresponds to a different branch, the funds might be sent there, causing a delay. In most cases, the amount is reversed and credited back to your account within a few business days.

4. What is the difference between an IFSC code and a MICR code?

The IFSC code is used for online electronic fund transfers like NEFT, RTGS, and IMPS. The MICR (Magnetic Ink Character Recognition) code is a 9-digit code found at the bottom of a cheque leaf and is used for the physical clearing of cheques.

5. Is this IFSC code valid for all Bihar Gramin Bank branches?

No, the IFSC code PUNB0MBGB06 is unique to the Bishanpur branch. Every branch of Bihar Gramin Bank has its own distinct IFSC code. Always verify the correct code for the specific branch you are transacting with.

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.