Bihar Gramin Bank Kasba IFSC Code

When you need to send or receive money, understanding your bank’s details is crucial. For residents and businesses in Kasba, Purnia, knowing the correct Indian Financial System Code (IFSC) for Bihar Gramin Bank is essential for smooth electronic fund transfers. This code acts like a unique digital address for your bank branch, ensuring that money sent via systems like NEFT (National Electronic Funds Transfer), RTGS (Real Time Gross Settlement), and IMPS (Immediate Payment Service) reaches the right account without delays or errors.

Branch Details Table

Bank Name	Bihar Gramin Bank
Branch Name	Kasba
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	100763
Branch Address	Kasba, PURNIA, 854330, 9297955803
Contact Number	9297955803
City	PURNIA
District	PURNIA
Reason	PURNEA
Pincode	854330
State	Bihar

Merger Update

Bihar Gramin Bank, which serves the Kasba branch, was formed from the significant merger of two earlier regional rural banks: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). This consolidation has streamlined banking operations across Bihar.

Following this merger, all branches under Bihar Gramin Bank, including the Kasba branch, now operate under a single, unified IFSC code structure sponsored by Punjab National Bank. The specific IFSC for the Kasba 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old IFSC codes previously associated with Uttar Bihar Gramin Bank or Dakshin Bihar Gramin Bank are now revoked and are no longer valid for transactions. Always use the new, valid IFSC code PUNB0MBGB06 for all electronic fund transfers involving the Bihar Gramin Bank, Kasba branch.

What is an IFSC Code?

The IFSC Code is an 11-character alphanumeric code assigned by the Reserve Bank of India (RBI) to identify each bank branch uniquely. It’s crucial for online banking transactions like NEFT, RTGS, and IMPS.

The structure of the IFSC code is straightforward:

• The first four characters identify the bank. For example, “PUNB” stands for Punjab National Bank, the sponsor bank for Bihar Gramin Bank.
• The fifth character is always a “0” (zero). This is a control character reserved for future use.
• The last six characters uniquely identify the specific bank branch. For the Kasba branch, these are “MBGB06”.

How to Use IFSC Code

Using the IFSC code is a standard part of initiating electronic fund transfers. Here’s how it works for different transaction types:

For NEFT (National Electronic Funds Transfer):

NEFT allows you to transfer money from one bank account to another across India. Transactions are processed in batches.

1. Log in to your online banking portal or mobile app.
2. Go to the ‘Fund Transfer’ or ‘Payments’ section.
3. Select ‘NEFT’ as the transfer type.
4. Add the beneficiary (the person you’re sending money to) if they’re not already listed. You’ll need their name, account number, account type, and the correct IFSC code (PUNB0MBGB06 for Bihar Gramin Bank Kasba).
5. Enter the amount you wish to transfer.
6. Confirm the details and complete the transaction.

For RTGS (Real Time Gross Settlement):

RTGS is designed for large-value transactions, typically for amounts of ₹2 Lakhs and above. Funds are transferred in real-time, individually.

1. Access your online banking or mobile app.
2. Navigate to the ‘Fund Transfer’ or ‘Payments’ menu.
3. Choose ‘RTGS’ for the transaction type.
4. Input the beneficiary’s details: name, account number, account type, and the IFSC code (PUNB0MBGB06).
5. Specify the amount (must be ₹2 Lakhs or more).
6. Review all information carefully before authorizing the payment.

For IMPS (Immediate Payment Service):

IMPS allows for instant, 24/7 fund transfers, even on holidays. It’s suitable for smaller, urgent transfers.

1. Open your bank’s mobile app or internet banking.
2. Select ‘IMPS’ as the payment method.
3. Provide the beneficiary’s bank account number and the IFSC code (PUNB0MBGB06). Alternatively, you might use their Mobile Money Identifier (MMID) and mobile number.
4. Enter the transfer amount.
5. Verify the details and proceed with the transfer. The funds are usually credited almost instantly.

Benefits of Knowing Your IFSC Code

Having the correct IFSC code at hand offers several advantages:

• Guaranteed Accuracy: Ensures your funds reach the intended beneficiary’s account and branch without misdirection.
• Faster Transactions: Speeds up the processing of NEFT, RTGS, and IMPS payments by eliminating manual verification steps.
• Prevents Errors: Reduces the risk of transaction failures or funds being sent to the wrong account due to incorrect branch identification.
• Facilitates Online Banking: Essential for using internet banking and mobile banking apps for various financial transactions.
• Secure Transfers: Contributes to the overall security of your digital financial transactions by providing a unique identifier.

Contact Section

For any banking inquiries related to the Kasba branch of Bihar Gramin Bank, or for general assistance, you can use the following contact information:

• Branch Phone Number (Kasba Branch): 9297955803
• Branch Address (Kasba Branch): Kasba, PURNIA, 854330, Bihar
• Head Office Address (Bihar Gramin Bank): SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number (Customer Care): 18001807777

FAQs

Here are some common questions about IFSC codes and bank operations:

Q1: What is the full IFSC code for Bihar Gramin Bank Kasba branch?
A1: The full IFSC code for the Bihar Gramin Bank Kasba branch is PUNB0MBGB06.

Q2: Why did the IFSC code change for banks like Bihar Gramin Bank?
A2: The IFSC code changed due to the merger of Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB), which formed Bihar Gramin Bank. This merger led to a new, unified IFSC structure under the sponsor bank, Punjab National Bank, to streamline operations and ensure consistency.

Q3: Can I still use an old IFSC code for Bihar Gramin Bank?
A3: No, old IFSC codes associated with Uttar Bihar Gramin Bank or Dakshin Bihar Gramin Bank are no longer valid. You must use the new and correct IFSC code, PUNB0MBGB06, for all electronic fund transfers to the Kasba branch.

Q4: What’s the main difference between NEFT, RTGS, and IMPS?
A4: NEFT processes transactions in batches, typically with a delay of a few hours. RTGS handles large-value transactions (₹2 Lakhs and above) in real-time, individually. IMPS offers instant, 24/7 fund transfers for smaller amounts, even on holidays, using mobile or internet banking.

Q5: How can I find the correct IFSC code for other Bihar Gramin Bank branches?
A5: You can find the correct IFSC code for any Bihar Gramin Bank branch on the bank’s official website, your passbook or chequebook, or by contacting the bank’s customer care at the provided toll-free number.