Bihar Gramin Bank Amnaour IFSC Code

If you’re looking to manage your funds for the Bihar Gramin Bank Amnaour branch, understanding the IFSC code is essential. This branch is located in Amnaour, within the Saran district of Bihar. The Indian Financial System Code (IFSC) is a unique 11-character identifier that ensures your money transfers are directed accurately. Whether you’re sending money through National Electronic Funds Transfer (NEFT), Real-Time Gross Settlement (RTGS), or Immediate Payment Service (IMPS), the correct IFSC code acts like a digital address, ensuring your transaction reaches the right bank and branch quickly and safely.

Branch Details

Bank Name	Bihar Gramin Bank
Branch Name	Amnaour
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	108025
Branch Address	Amnaour, SARAN, 841301, 9297955189
Contact Number	9297955189
City	SARAN
District	SARAN
Reason	CHAPRA
Pincode	841301
State	Bihar

Merger Update

Bihar Gramin Bank is a Regional Rural Bank (RRB) sponsored by Punjab National Bank. To streamline operations and ensure unified banking services, various regional rural banks in Bihar have undergone mergers. For instance, banks like Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have merged into larger entities, eventually operating under a common framework. As a result of these consolidation efforts, all branches, including the Amnaour branch of Bihar Gramin Bank, now use a single, unified IFSC code: PUNB0MBGB06. This code is issued and managed under the sponsorship of Punjab National Bank.

It’s important to note that any old IFSC codes previously associated with regional rural banks in Bihar, such as those from UBGB or DBGB, have been revoked and are no longer valid for transactions. Always use the new, consolidated IFSC code PUNB0MBGB06 for any fund transfers to ensure your transactions are processed correctly.

What is an IFSC Code?

The IFSC code is a unique identifier used by banks for electronic fund transfers. It’s an 11-character alphanumeric code that helps identify specific bank branches across India. The structure of the IFSC code is straightforward:

• The first four characters identify the bank. For the Amnaour branch, this is PUNB, which stands for Punjab National Bank, the sponsoring bank.
• The fifth character is always a zero (0). This character is reserved for future use and helps distinguish the bank code from the branch code.
• The last six characters identify the specific branch. In this case, MBGB06 points directly to the Amnaour branch of Bihar Gramin Bank.

For example, in PUNB0MBGB06, PUNB identifies Punjab National Bank, the ‘0’ is a control character, and MBGB06 is the specific code for the Amnaour branch.

How to Use the IFSC Code

Using the IFSC code correctly is crucial for successful electronic fund transfers. Here’s how you typically use it for different transaction types:

• NEFT (National Electronic Funds Transfer) and RTGS (Real-Time Gross Settlement):
  1. Log in to your net banking or mobile banking application.
  2. Select the “Fund Transfer” or “Payments” option.
  3. Choose “NEFT” or “RTGS” as your transfer method.
  4. Add a new beneficiary if you haven’t already. You’ll need the beneficiary’s name, account number, bank name (Bihar Gramin Bank), and the correct IFSC code (PUNB0MBGB06).
  5. Enter the amount you wish to transfer.
  6. Confirm the details and complete the transaction.
• IMPS (Immediate Payment Service):
  1. Access your mobile banking app or internet banking portal.
  2. Select the “IMPS” option.
  3. You can usually send money using the beneficiary’s Mobile Number & MMID (Mobile Money Identifier) or Account Number & IFSC. For the latter, you will enter the beneficiary’s Bihar Gramin Bank account number and the IFSC code (PUNB0MBGB06).
  4. Input the transfer amount.
  5. Verify all the information before confirming the payment.

Always double-check the IFSC code, account number, and beneficiary name before initiating any transfer to avoid delays or incorrect transfers.

Benefits of Knowing Your IFSC Code

Knowing the correct IFSC code for the Amnaour branch offers several practical advantages:

• Accurate Fund Transfers: It ensures your money reaches the intended recipient’s specific bank and branch without errors.
• Faster Transactions: Correct IFSC codes help banks process NEFT, RTGS, and IMPS transactions quickly, often within minutes for IMPS.
• Enhanced Security: The unique code acts as a safeguard, minimizing the chances of funds being misdirected.
• Online Banking Convenience: It enables seamless use of internet and mobile banking services for various financial transactions from anywhere.
• Essential for Bill Payments and Salaries: Many institutions require an IFSC code for direct debit setups, salary disbursements, or receiving payments.

Contact Information

For any queries related to the Amnaour branch of Bihar Gramin Bank, or for general assistance, you can use the following contact details:

• Branch Phone Number: 9297955189
• Branch Address: Amnaour, SARAN, 841301, Bihar
• Bihar Gramin Bank Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number (Punjab National Bank – Sponsor Bank): 18001807777

FAQs

Here are some frequently asked questions about the Bihar Gramin Bank Amnaour IFSC code:

Q1: Why do I need the IFSC code for online transactions?
A1: The IFSC code acts as a unique identifier for each bank branch in India. It ensures that when you send money online via NEFT, RTGS, or IMPS, your funds are routed to the precise bank and branch of the beneficiary, preventing errors and ensuring smooth processing.

Q2: Is the IFSC code different from the MICR code?
A2: Yes, they are different. The IFSC (Indian Financial System Code) is used for online electronic fund transfers. The MICR (Magnetic Ink Character Recognition) code is a 9-digit numerical code printed on cheque leaves, primarily used for processing physical cheques efficiently.

Q3: Where can I find the correct IFSC code for the Amnaour branch?
A3: You can find the IFSC code (PUNB0MBGB06) on your bank passbook, cheque book, or by visiting the official website of Bihar Gramin Bank or Punjab National Bank. Reliable third-party financial websites also list these codes, but it’s always best to verify from official sources.

Q4: What happens if I use an incorrect IFSC code?
A4: If you enter an incorrect IFSC code, your transaction will likely be rejected by the bank. The funds will either not be debited from your account or will be returned to you, typically within a few hours to a few working days, depending on the bank’s processing times. It’s crucial to use the correct code to avoid delays.

Q5: Can I use the Amnaour branch’s IFSC code for other Bihar Gramin Bank branches?
A5: No, each branch has a unique IFSC code for its last six characters. While the first five characters (PUNB0) might be the same for all Bihar Gramin Bank branches sponsored by Punjab National Bank, the last six characters (MBGB06) are specific to the Amnaour branch. Always use the exact IFSC code for the beneficiary’s specific branch.