Bihar Gramin Bank Anjua IFSC Code

If you’re looking to send or receive money at the Bihar Gramin Bank branch in Anjua, West Champaran, Bihar, understanding its Indian Financial System Code (IFSC) is essential. This unique 11-character code acts like a digital address for your bank branch. It is crucial for electronic fund transfers through systems like NEFT (National Electronic Funds Transfer), RTGS (Real Time Gross Settlement), and IMPS (Immediate Payment Service). Without the correct IFSC, these online transactions simply cannot go through, ensuring your money reaches the right destination safely.

Branch Details Table

Bank Name	Bihar Gramin Bank
Branch Name	Anjua
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	100280
Branch Address	Anjua, WEST CHAMPARAN, 845455, 9297948738
Contact Number	9297948738
City	WEST CHAMPARAN
District	WEST CHAMPARAN
Reason	BETTIAH
Pincode	845455
State	Bihar

Merger Update

The Bihar Gramin Bank, including its Anjua branch, was formed from the amalgamation of two previous Regional Rural Banks: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). As a result of this merger, all branches now operate under a single, unified IFSC code structure, which is sponsored by Punjab National Bank (PNB).

Specifically, the IFSC code for all branches of Bihar Gramin Bank, including Anjua, is PUNB0MBGB06. It is very important to note that any old IFSC codes previously used by Uttar Bihar Gramin Bank or Dakshin Bihar Gramin Bank are now revoked and are no longer valid for any transactions. For any fund transfers to or from a Bihar Gramin Bank account, you must use the new, consolidated IFSC code PUNB0MBGB06. Using an old or incorrect code will lead to transaction failure or delays.

What is IFSC Code?

The IFSC Code, or Indian Financial System Code, is an 11-character alpha-numeric code assigned by the Reserve Bank of India (RBI) to identify individual bank branches participating in online banking. Each character in the code has a specific meaning:

• The first four characters represent the bank’s name. For Bihar Gramin Bank, under PNB sponsorship, these are “PUNB”.
• The fifth character is always a ‘zero’ (0). This character is reserved for future use and currently acts as a control digit.
• The last six characters uniquely identify the specific bank branch. In the case of Anjua branch’s IFSC, “MBGB06” refers to the Bihar Gramin Bank (MBGB) and its specific branch code (06 for Anjua).

This standardized structure ensures that every branch has a unique digital fingerprint, preventing errors during electronic fund transfers.

How to Use IFSC Code

Using the IFSC code is a straightforward process when you are making online fund transfers. Here’s how it typically works for NEFT, RTGS, and IMPS:

1. Log in to Your Net Banking or Mobile Banking App: Access your bank’s online platform.
2. Select Fund Transfer Option: Look for options like “NEFT,” “RTGS,” or “IMPS Transfer.”
3. Add a New Beneficiary: If you’re sending money to someone for the first time, you’ll need to add them as a beneficiary.
4. Enter Beneficiary Details:
   • Beneficiary Name: The name of the person or entity you are sending money to.
   • Beneficiary Account Number: The account number of the recipient.
   • Confirm Beneficiary Account Number: Re-enter the account number to ensure accuracy.
   • IFSC Code: Input the correct IFSC code for the recipient’s branch. For the Bihar Gramin Bank Anjua branch, this would be PUNB0MBGB06.
   • Bank Name and Branch Name: These details will often auto-populate once you enter the IFSC code correctly. Verify that they match Bihar Gramin Bank, Anjua.
5. Enter Amount and Remarks: Specify the amount you wish to transfer and add any relevant remarks.
6. Confirm and Authenticate: Review all details carefully before confirming the transfer. You will usually need to authenticate the transaction using an OTP (One Time Password) or a transaction PIN.

Always double-check the IFSC code and account number before initiating a transfer. Even a single digit error can cause the transaction to fail or, worse, send money to the wrong account.

Benefits

Knowing and using the correct IFSC code offers several important advantages for financial transactions:

• Secure Transactions: It acts as a unique identifier, ensuring your funds are directed to the specific bank branch you intend, minimizing the risk of errors or misdirection.
• Faster Transfers: IFSC is vital for electronic payment systems like NEFT, RTGS, and IMPS, which enable quick and efficient fund transfers across different banks and branches.
• Accuracy: By precisely identifying the recipient’s bank and branch, the IFSC code significantly reduces the chances of incorrect transfers.
• Mandatory for Online Banking: It is a compulsory requirement for setting up online beneficiaries and for processing any inter-bank electronic fund transfers.
• Convenience: It allows you to manage your banking transactions digitally from anywhere, without needing to visit a physical bank branch for transfers.

Contact

For any inquiries related to the Anjua branch or Bihar Gramin Bank services, you can use the following contact information:

• Anjua Branch Phone Number: 9297948738
• Anjua Branch Address: Anjua, WEST CHAMPARAN, 845455
• Bihar Gramin Bank Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number for Bihar Gramin Bank: 18001807777

FAQs

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

Q1: Is the IFSC code PUNB0MBGB06 valid only for the Anjua branch?
A1: No, the IFSC code PUNB0MBGB06 is the unified code for all branches of Bihar Gramin Bank. Due to the merger of Uttar Bihar Gramin Bank and Dakshin Bihar Gramin Bank, a single IFSC code structure sponsored by Punjab National Bank is now used across all its branches.

Q2: What happens if I use an old IFSC code from Uttar Bihar Gramin Bank or Dakshin Bihar Gramin Bank?
A2: If you use an old IFSC code, your transaction will likely fail. The old codes have been revoked, and the banking system will not recognize them for current transfers to any Bihar Gramin Bank account. Always use PUNB0MBGB06.

Q3: Can I find the IFSC code on my passbook?
A3: Yes, the IFSC code is typically printed on the first page of your bank passbook. It’s also often found on cheque leaves issued by the bank.

Q4: What should I do if my online transfer fails due to an incorrect IFSC code?
A4: If your transfer fails, you will usually receive a notification from your bank. Double-check the IFSC code you entered against the correct one (PUNB0MBGB06 for Bihar Gramin Bank) and the recipient’s account number, then attempt the transfer again. If issues persist, contact your bank’s customer service.

Q5: Is the MICR Code also important for online transfers?
A5: While the IFSC code is crucial for NEFT, RTGS, and IMPS, the MICR (Magnetic Ink Character Recognition) code is primarily used for processing physical cheques. It helps in the speedy clearance of cheques by identifying the bank and branch through a special magnetic ink. For electronic fund transfers, the IFSC code is the primary identifier.