Bihar Gramin Bank Amour IFSC Code

In Amour, Purnia, accessing reliable banking services is essential for daily life and business. When you need to send or receive money electronically, whether through NEFT (National Electronic Funds Transfer), RTGS (Real Time Gross Settlement), or IMPS (Immediate Payment Service), a crucial detail you’ll always need is the Indian Financial System Code, or IFSC. This unique code acts like a digital address, ensuring your funds reach the correct bank and branch without error.

Branch Details Table

Here are the specific details for the Bihar Gramin Bank branch in Amour:

Bank Name	Bihar Gramin Bank
Branch Name	Amour
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	100687
Branch Address	Amour, PURNIA, 854315, 9297954120
Contact Number	9297954120
City	PURNIA
District	PURNIA
Reason (for Purnea)	PURNEA
Pincode	854315
State	Bihar

Merger Update

Previously, Bihar had various regional rural banks. For clarity and streamlined operations, Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have merged to form a single entity: Bihar Gramin Bank. This new bank is sponsored by Punjab National Bank.

As a result of this merger, all branches of the former UBGB and DBGB now use a unified IFSC code system. For the Amour branch of Bihar Gramin Bank, the valid IFSC code is PUNB0MBGB06. It is critical to understand that any old IFSC codes belonging to Uttar Bihar Gramin Bank are now revoked and will not work for transactions. Always use the new and current IFSC code, PUNB0MBGB06, for all your fund transfers to and from this branch.

What is IFSC Code?

The IFSC Code, or Indian Financial System Code, is an 11-character alpha-numeric code used to identify all bank branches participating in electronic funds transfers in India. Each character in the code serves a specific purpose:

• The first four characters represent the bank name. For PUNB0MBGB06, “PUNB” stands for Punjab National Bank, which is the sponsoring bank for Bihar Gramin Bank.
• The fifth character is always a zero (0). This character is reserved for future use and helps distinguish bank codes from branch codes.
• The last six characters identify the specific branch. In PUNB0MBGB06, “MBGB06” identifies the Amour branch within the Bihar Gramin Bank structure.

This unique structure ensures that every transaction is directed precisely to the intended bank and its specific branch.

How to Use IFSC Code

Using the IFSC code is a straightforward process when you are making an electronic fund transfer. Here are the steps you typically follow for NEFT, RTGS, or IMPS:

1. Log In to Your Bank Account: Access your internet banking portal or mobile banking app.
2. Select Transfer Type: Choose the type of transfer you want to make – NEFT, RTGS, or IMPS.
3. Add Beneficiary Details: If you haven’t transferred to this person before, you will need to add them as a new beneficiary.
4. Enter Beneficiary Bank Details: This is where the IFSC code becomes vital. You will enter the following information:
   • Beneficiary Name
   • Beneficiary Account Number (and confirm it)
   • Bank Name (e.g., Bihar Gramin Bank)
   • IFSC Code (PUNB0MBGB06 for Amour branch)
   • Branch Name (e.g., Amour)
5. Confirm Details: Double-check all entered information, especially the account number and IFSC code, to prevent errors.
6. Enter Amount and Complete Transfer: Specify the amount you wish to send and authorize the transaction, usually with an OTP (One-Time Password) or transaction password.

For transfers where you are the recipient, you simply need to provide your bank’s name, your account number, and the correct IFSC code (PUNB0MBGB06) to the sender.

Benefits

Knowing and using the correct IFSC code offers several important benefits:

• Accuracy in Transfers: The primary benefit is ensuring that your funds go to the exact intended bank branch, minimizing the risk of misdirected payments.
• Faster Processing: IFSC codes enable banks to automate the routing of funds, leading to quicker processing times for NEFT, RTGS, and IMPS transactions.
• Enhanced Security: By identifying specific branches, the IFSC system adds a layer of security, reducing the chances of fraud in electronic transfers.
• Required for Online Banking: It is a mandatory piece of information for almost all online and mobile banking fund transfer services. You cannot initiate an NEFT, RTGS, or IMPS transaction without it.
• Avoid Transaction Failures: Using an incorrect or outdated IFSC code will typically result in a failed transaction, causing delays and inconvenience. Having the correct code ensures smooth processing.

Contact Section

If you need to get in touch with Bihar Gramin Bank for general inquiries or specific branch details, here are the contact options:

• Branch Phone Number (Amour): 9297954120
• Branch Address (Amour): Amour, PURNIA, 854315, Bihar
• Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number: 18001807777

FAQs

Here are some common questions about IFSC codes and their usage:

Q1: What happens if I use an incorrect IFSC code?
A1: If you enter an incorrect IFSC code, your transaction will most likely fail. The banking system will not be able to identify the correct destination branch, and the funds will not be debited from your account or will be reversed if debited. Always double-check the code before confirming a transaction.

Q2: Where can I find the correct IFSC code for my bank branch?
A2: You can find the correct IFSC code on your bank’s cheque book, your passbook, or your bank’s official website. Many third-party financial websites also list IFSC codes, but it’s always best to verify from official bank sources or through reliable services like the one provided here.

Q3: Is the IFSC code unique for every bank branch?
A3: Yes, every bank branch participating in electronic funds transfer has a unique 11-character IFSC code. No two branches, even within the same bank, will share the exact same IFSC code. This uniqueness is crucial for accurate routing of funds.

Q4: Can I transfer money without an IFSC code?
A4: For electronic fund transfers like NEFT, RTGS, and IMPS, an IFSC code is mandatory. However, if you are making a cash deposit at a branch or using specific bank-to-bank internal transfers (if available), an IFSC might not be strictly needed, but for interbank electronic transfers, it’s essential.

Q5: What is the main difference between NEFT, RTGS, and IMPS regarding IFSC use?
A5: While all three systems require an IFSC code, they differ in speed and amount limits. NEFT transactions are processed in batches and have no minimum/maximum amount. RTGS is for large-value, real-time transfers (minimum ₹2 Lakh). IMPS allows instant, 24/7 transfers, usually with lower maximum limits. The IFSC code ensures funds go to the right place regardless of the transfer method.