Bihar Gramin Bank AMHARA IFSC Code

This article provides details for the Bihar Gramin Bank branch located in AMHARA, Patna, Bihar. Understanding the Indian Financial System Code, or IFSC, is crucial for anyone making or receiving money transfers in India. This unique code is necessary for all electronic fund transfers, including transactions made through NEFT, RTGS, and IMPS systems. It helps ensure that your money goes to the correct bank and branch without error.

Branch Details Table

Bank Name	Bihar Gramin Bank
Branch Name	AMHARA
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	7307
Branch Address	AMHARA, Patna, 801118, 9771464307
Contact Number	9771464307
City	Patna
District	Patna
Reason	PATNA
Pincode	801118
State	Bihar

Merger Update

Bihar Gramin Bank, which includes the AMHARA branch, was formed from the merger of two regional rural banks: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). As a result of this merger, and its sponsorship by Punjab National Bank (PNB), Bihar Gramin Bank now operates under a unified IFSC code structure. The specific IFSC code for the AMHARA branch is PUNB0MBGB06.

It is important to note that any old IFSC codes previously associated with Uttar Bihar Gramin Bank or Dakshin Bihar Gramin Bank branches are no longer valid. For any electronic fund transfers to any Bihar Gramin Bank account, including the AMHARA branch, you must use the new, standardized IFSC code, such as PUNB0MBGB06. Using an outdated code will result in transaction failure.

What is an IFSC Code?

An IFSC code is an 11-character alphanumeric code used to identify all bank branches participating in the electronic funds settlement systems in India. It is unique to each bank branch. This code helps the system accurately route funds to the correct destination.

The structure of an IFSC code follows a specific pattern:

• The first four characters represent the bank name. For example, in PUNB0MBGB06, “PUNB” stands for Punjab National Bank, which is the sponsor bank for Bihar Gramin Bank.
• The fifth character is always ‘0’ (zero). This is kept as a control character for future use.
• The last six characters identify the specific branch. In PUNB0MBGB06, “MBGB06” identifies the AMHARA branch of Bihar Gramin Bank.

Knowing this structure can help you verify if an IFSC code is correct before initiating a transaction.

How to Use an IFSC Code

Using an IFSC code for online money transfers is a straightforward process. Here are the general steps you would follow for NEFT, RTGS, or IMPS transactions:

1. Log in to your banking platform: Access your internet banking account or mobile banking application.
2. Select the fund transfer option: Look for options like “Fund Transfer,” “NEFT,” “RTGS,” or “IMPS.”
3. Add a new beneficiary: If you are sending money to this account for the first time, you will need to add them as a beneficiary.
4. Enter beneficiary details: You will be prompted to enter information such as:
   • Beneficiary’s Name
   • Beneficiary’s Account Number (usually entered twice for confirmation)
   • Beneficiary’s Bank Name (e.g., Bihar Gramin Bank)
   • Beneficiary’s Bank IFSC Code (e.g., PUNB0MBGB06 for AMHARA branch)
5. Enter the amount: Specify the amount you wish to transfer.
6. Confirm and complete: Review all the details carefully, then confirm the transaction using your password or PIN.

Always double-check the IFSC code and account number before confirming any transfer to avoid errors.

Benefits of Knowing Your IFSC Code

Having the correct IFSC code at hand offers several important benefits:

• Enables Digital Transfers: It is essential for making electronic fund transfers like NEFT (National Electronic Funds Transfer), RTGS (Real Time Gross Settlement), and IMPS (Immediate Payment Service).
• Ensures Accuracy: The IFSC code directs your money to the precise bank and branch, minimizing the risk of funds being sent to the wrong account.
• Standardized System: It provides a uniform way for all banks in India to identify branches, making inter-bank transactions smooth and reliable.
• Faster Processing: With the correct IFSC, transactions are processed efficiently, allowing for quicker credit to the beneficiary’s account.
• Secure Transactions: By accurately identifying the destination, the IFSC code contributes to the overall security and integrity of the financial transaction system.

Contact Information

For inquiries related to the AMHARA branch of Bihar Gramin Bank, or general information, you can use the following contact details:

• Branch Phone Number (AMHARA): 9771464307
• Branch Address (AMHARA): AMHARA, Patna, 801118
• Bihar Gramin Bank Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number: 18001807777

Frequently Asked Questions (FAQs)

Q1: What is the IFSC code for Bihar Gramin Bank, AMHARA branch?

A1: The IFSC code for the Bihar Gramin Bank, AMHARA branch is PUNB0MBGB06.

Q2: Why does Bihar Gramin Bank’s IFSC code start with “PUNB” instead of “BGB”?

A2: Bihar Gramin Bank was formed from the merger of Uttar Bihar Gramin Bank and Dakshin Bihar Gramin Bank. It is sponsored by Punjab National Bank (PNB). The “PUNB” prefix in the IFSC code signifies its sponsorship by Punjab National Bank, which oversees its operations and technology platform for electronic transfers.

Q3: Can I still use an old IFSC code if my account was originally with Uttar Bihar Gramin Bank or Dakshin Bihar Gramin Bank?

A3: No, you cannot. Following the merger that formed Bihar Gramin Bank, all old IFSC codes belonging to Uttar Bihar Gramin Bank and Dakshin Bihar Gramin Bank have been revoked. You must use the new, standardized IFSC code, such as PUNB0MBGB06 for the AMHARA branch, for all electronic fund transfers.

Q4: What is the difference between NEFT, RTGS, and IMPS, and do they all require an IFSC code?

A4: Yes, all three electronic fund transfer systems (NEFT, RTGS, and IMPS) require an IFSC code.

• NEFT (National Electronic Funds Transfer): Processes transactions in batches hourly. Funds are typically credited within a few hours. There are no minimum or maximum amount limits.
• RTGS (Real Time Gross Settlement): Processes transactions individually and continuously. Funds are credited almost instantly. It is generally used for large-value transactions, with a minimum transfer amount of ₹2,00,000.
• IMPS (Immediate Payment Service): Offers instant, 24/7 interbank electronic fund transfer through mobile phones or internet banking. It’s suitable for smaller, urgent transfers, often with a limit of up to ₹5,00,000 per transaction.

All these systems rely on the IFSC code to accurately identify the destination bank and branch for successful fund delivery.

Q5: Where can I find the IFSC code for other Bihar Gramin Bank branches?

A5: You can usually find the IFSC code for other Bihar Gramin Bank branches on the bank’s official website, on your bank passbook, on your cheque book, or by directly contacting the specific branch or the bank’s customer service helpline (e.g., 18001807777).