Bihar Gramin Bank Kaina IFSC Code

When you need to send money digitally to someone in Kaina, Samastipur, Bihar, having the correct bank details is essential. This includes the Indian Financial System Code (IFSC) for the Bihar Gramin Bank branch located there. The IFSC code acts like a unique address for the specific bank branch, ensuring your funds reach the right destination quickly and safely through systems like NEFT, RTGS, and IMPS.

Branch Details Table

Bank Name	Bihar Gramin Bank
Branch Name	Kaina
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	3988
Branch Address	Kaina, Samastipur, 848209
Contact Number	9523097254
City	Samastipur
District	Samastipur
Reason	SAMASTIPUR
Pincode	848209
State	Bihar

Merger Update

Bihar Gramin Bank was formed from the merger of two regional rural banks: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). This merger brought all branches under a single, unified banking entity, sponsored by Punjab National Bank. Due to this restructuring, *all* Bihar Gramin Bank branches, including the Kaina branch, now use a common IFSC code format.

The assigned IFSC code for all Bihar Gramin Bank branches, including Kaina, is PUNB0MBGB06. It is crucial to understand that any old IFSC codes previously used by Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB) branches have been revoked. These old codes are no longer valid for any financial transactions. Always use PUNB0MBGB06 when performing fund transfers to or from any Bihar Gramin Bank branch. This ensures that your transaction is processed correctly through the Punjab National Bank’s system, which sponsors Bihar Gramin Bank.

What is an IFSC Code?

The IFSC Code, or Indian Financial System Code, is an 11-character alphanumeric code. It’s used to identify every bank branch in India uniquely. This code is crucial for online fund transfers because it helps direct money to the correct bank and branch.

The 11 characters are structured in a specific way:

• The first four characters represent the bank name. For Bihar Gramin Bank, since it’s sponsored by Punjab National Bank, these characters are “PUNB”.
• The fifth character is always “0” (zero). This character is reserved for future use and remains constant across all IFSC codes.
• The last six characters identify the specific branch. In this case, “MBGB06” denotes the specific Bihar Gramin Bank branch. The “MBGB” part indicates the regional rural bank itself (erstwhile Madhya Bihar Gramin Bank or now unified Bihar Gramin Bank), and “06” identifies the specific branch within that structure.

Every bank branch has its own unique IFSC, making sure no two branches share the same code.

How to Use an IFSC Code

You will need the IFSC code whenever you want to transfer money electronically using systems like NEFT, RTGS, or IMPS. Here’s a general step-by-step guide:

1. Log In to Your Bank: Access your internet banking portal or mobile banking application.
2. Navigate to Fund Transfer: Look for options like “Fund Transfer,” “Payments,” or “Send Money.”
3. Add a Beneficiary: If you’re sending money to this account for the first time, you’ll need to add it as a beneficiary.
4. Enter Beneficiary Details: You’ll be asked for the beneficiary’s name, account number, account type (savings, current), and importantly, the IFSC code (PUNB0MBGB06).
5. Verify Details: Double-check all the entered information, especially the account number and IFSC code, to prevent errors.
6. Enter Amount and Confirm: Specify the amount you wish to transfer and confirm the transaction.

For offline transfers at a bank branch, you’ll fill out a NEFT or RTGS form. This form will also require the beneficiary’s IFSC code along with their account details.

Benefits of Knowing the IFSC Code

Knowing the correct IFSC code for Bihar Gramin Bank Kaina branch offers several advantages:

• It ensures that your electronic fund transfers like NEFT, RTGS, and IMPS are routed to the precise branch, preventing money from going to the wrong account.
• It standardizes the identification of bank branches across India, making inter-bank transactions more efficient.
• It plays a vital role in secure and swift digital transactions, supporting the modern banking infrastructure.
• It helps in verifying the authenticity of bank branch details when dealing with financial transactions.
• It is a mandatory requirement for initiating almost all forms of online and offline bank-to-bank money transfers within India.

Contact Section

• Branch Phone Number: 9523097254
• Branch Address: Kaina, Samastipur, 848209
• Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number (Bihar Gramin Bank): 18001807777

FAQs

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

Q2: Why did the IFSC code for Bihar Gramin Bank branches change?
A2: The IFSC codes changed because Uttar Bihar Gramin Bank and Dakshin Bihar Gramin Bank merged to form Bihar Gramin Bank. This led to a unified IFSC code structure for all its branches, sponsored by Punjab National Bank.

Q3: Can I still use an old UBGB or DBGB IFSC code for a transaction to Bihar Gramin Bank Kaina?
A3: No, you cannot. All old IFSC codes belonging to Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB) are now invalid. You must use the new code, PUNB0MBGB06, for all transactions to any Bihar Gramin Bank branch.

Q4: What services can I use the Bihar Gramin Bank Kaina IFSC code for?
A4: You can use this IFSC code for all types of electronic fund transfers, including NEFT (National Electronic Funds Transfer), RTGS (Real Time Gross Settlement), and IMPS (Immediate Payment Service), whether you are initiating the transfer online or at a bank branch.

Q5: Is the Kaina branch of Bihar Gramin Bank still operational?
A5: Yes, the Kaina branch of Bihar Gramin Bank is fully operational and provides all standard banking services. The merger simply updated its official identifier and sponsoring bank details.