Bihar Gramin Bank Kamta IFSC Code

The Bihar Gramin Bank branch in Kamta, located in the SARAN district of Bihar, plays a crucial role for many residents. When you need to send money online, whether through NEFT, RTGS, or IMPS, knowing the correct Indian Financial System Code (IFSC) for this specific branch is essential. This unique 11-character code acts like a digital address, ensuring your funds reach the intended bank and branch safely and accurately. Without it, online transfers simply cannot happen.

Branch Details

Bank Name	Bihar Gramin Bank
Branch Name	Kamta
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	100554
Branch Address	Kamta, SARAN, 841403
Contact Number	9297955234
City	SARAN
District	SARAN
Reason	CHAPRA
Pincode	841403
State	Bihar

Merger Update

Bihar Gramin Bank, to which the Kamta branch belongs, was formed through a significant merger. This bank is the result of combining two former regional rural banks: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB).

Due to this merger, a unified system was put in place. All branches of the newly formed Bihar Gramin Bank, including the Kamta branch, now use a single, standardized IFSC code. This code is PUNB0MBGB06. It is crucial to understand that any old IFSC codes previously associated with Uttar Bihar Gramin Bank or Dakshin Bihar Gramin Bank branches have been revoked. They are no longer valid for any financial transactions. Always use the new, unified IFSC code, PUNB0MBGB06, when transferring funds to or from any Bihar Gramin Bank account. Punjab National Bank acts as the sponsor bank for Bihar Gramin Bank, which is reflected in the IFSC code itself.

What is an IFSC Code?

An IFSC code, or Indian Financial System Code, is an 11-character alphanumeric code. It’s used to identify every bank branch in India that participates in online fund transfers. Think of it as a unique digital fingerprint for a specific bank branch.

The structure of the IFSC code PUNB0MBGB06 breaks down like this:

• The first four characters represent the bank name. For Bihar Gramin Bank, this is PUNB, standing for Punjab National Bank, its sponsor bank.
• The fifth character is always a 0 (zero). This is a control character, reserved for future use.
• The last six characters identify the specific branch. In this case, MBGB06 refers to the Kamta branch of Bihar Gramin Bank.

This structure ensures that each branch has a distinct code, preventing errors during money transfers.

How to Use the IFSC Code

Using an IFSC code is straightforward when you want to send money online. Here’s a step-by-step guide for common fund transfer methods like NEFT, RTGS, and IMPS:

1. Log In: Access your internet banking portal or mobile banking application using your credentials.
2. Select Transfer Option: Look for “Fund Transfer” or “Payments.” You will usually see options like NEFT (National Electronic Funds Transfer), RTGS (Real-Time Gross Settlement), or IMPS (Immediate Payment Service). Choose the one that suits your needs.
3. Add Beneficiary: If you are sending money to this account for the first time, you will need to add them as a “beneficiary.” This involves providing their details.
4. Enter Beneficiary Details: You will be asked for:
   • Beneficiary Name (the account holder’s name)
   • Beneficiary Account Number (the account number for the Kamta branch)
   • Bank Name (Bihar Gramin Bank)
   • Branch Name (Kamta)
   • The IFSC Code: PUNB0MBGB06
5. Verify and Confirm: Double-check all the entered details, especially the account number and IFSC code, to avoid errors. Then, enter the amount you wish to transfer and confirm the transaction.

Once confirmed, the funds will be transferred electronically to the Bihar Gramin Bank, Kamta branch.

Benefits of Knowing the IFSC Code

Knowing the correct IFSC code for your bank branch, or for someone you are sending money to, offers several important benefits:

• Accurate Transfers: It ensures your money goes to the correct bank and branch, preventing misdirected funds.
• Fast Online Transactions: IFSC is mandatory for quick online transfers via NEFT, RTGS, and IMPS, making banking efficient.
• Enhanced Security: The unique code adds a layer of security, as funds are directed precisely where they are intended.
• Convenience: It allows you to manage your finances and send money from anywhere, anytime, without needing to visit a physical bank branch.
• Facilitates Digital Banking: It’s a cornerstone of India’s digital banking infrastructure, supporting a cashless economy.

Contact Information

Should you need to reach out to the Bihar Gramin Bank’s Kamta branch or its head office, here are the details:

• Kamta Branch Phone Number: 9297955234
• Kamta Branch Address: Kamta, SARAN, 841403, Bihar
• Bihar Gramin Bank Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Bihar Gramin Bank Toll-Free Number: 18001807777

FAQs

What does IFSC stand for?

IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code used to uniquely identify every bank branch in India that participates in electronic fund transfers.

Why is the Kamta branch IFSC code PUNB0MBGB06 and not related to Bihar Gramin Bank directly?

Bihar Gramin Bank is sponsored by Punjab National Bank. Therefore, its IFSC code reflects the sponsor bank’s identifier, “PUNB,” at the beginning. The “MBGB” part is specific to “Madhya Bihar Gramin Bank” as the parent entity under the overall Gramin Bank structure, which Bihar Gramin Bank is part of after the merger.

Can I use an old Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB) IFSC code for a Bihar Gramin Bank account?

No, you cannot. Following the merger that formed Bihar Gramin Bank, all old IFSC codes from UBGB and DBGB have been revoked. You must use the new, unified IFSC code PUNB0MBGB06 for any transactions involving Bihar Gramin Bank accounts, including the Kamta branch.

Is the IFSC code different for NEFT, RTGS, and IMPS transactions?

No, the IFSC code remains the same regardless of the type of online fund transfer method you choose (NEFT, RTGS, or IMPS). The IFSC code identifies the destination bank branch, not the method of transfer.

How can I find the IFSC code for another Bihar Gramin Bank branch?

You can find the IFSC code for other Bihar Gramin Bank branches by visiting the official website of Bihar Gramin Bank or Punjab National Bank. Many banking apps and third-party financial websites also provide IFSC code lookup tools. You will typically need to select the bank, state, district, and branch name to find the correct code.