Bihar Gramin Bank Adapur IFSC Code

The Bihar Gramin Bank branch located in Adapur, a part of the East Champaran district in Bihar, plays a key role in serving the financial needs of the local community. For anyone looking to transfer money digitally, understanding and using the Indian Financial System Code (IFSC) is crucial. This unique code acts like a digital address for bank branches, ensuring that funds sent through systems like NEFT (National Electronic Funds Transfer), RTGS (Real Time Gross Settlement), and IMPS (Immediate Payment Service) reach the correct recipient quickly and securely. Without the correct IFSC, these modern fund transfers simply cannot happen.

Branch Details

Here are the essential details for the Bihar Gramin Bank, Adapur branch:

Bank Name	Bihar Gramin Bank
Branch Name	Adapur
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	100229
Branch Address	Adapur, EAST CHAMPARAN, 845301, 9297954600
Contact Number	9297954600
City	EAST CHAMPARAN
District	EAST CHAMPARAN
Reason	MOTIHARI
Pincode	845301
State	Bihar

Merger Update

Bihar Gramin Bank, which the Adapur branch belongs to, was formed by the merger of two significant regional rural banks: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). These merged entities now operate under the unified structure of Bihar Gramin Bank, sponsored by Punjab National Bank. Because of this sponsorship, the Adapur branch, like all other branches of Bihar Gramin Bank, uses an IFSC code that begins with ‘PUNB0’.

Specifically, the IFSC code for the Adapur branch is PUNB0MBGB06. It’s very important for customers to understand that any old IFSC codes previously associated with Uttar Bihar Gramin Bank or Dakshin Bihar Gramin Bank are no longer valid for conducting financial transactions. For all fund transfers to and from this branch, you must use the new, standardized code PUNB0MBGB06.

What is an IFSC Code?

The IFSC Code, or Indian Financial System Code, is an 11-character alphanumeric code assigned by the Reserve Bank of India (RBI) to uniquely identify every bank branch participating in online money transfer systems. It’s structured in a specific way:

• The first four characters represent the bank code. For the Adapur branch’s IFSC, “PUNB” stands for Punjab National Bank, its sponsoring bank.
• The fifth character is always a ‘0’ (zero). This character is reserved for future use and helps maintain the standard 11-character length.
• The last six characters identify the specific branch. In the code PUNB0MBGB06, “MBGB06” uniquely points to the Adapur branch of Bihar Gramin Bank within the Punjab National Bank’s system.

This unique identification system ensures that money transfers are directed precisely to the intended branch, preventing errors and ensuring transaction security.

How to Use IFSC Code

Using the IFSC code is a straightforward process when you’re making online fund transfers. Here’s how it generally works for different transaction types:

For NEFT (National Electronic Funds Transfer)

1. Log in to your bank’s online banking portal or mobile app.
2. Go to the ‘Fund Transfer’ or ‘Payments’ section.
3. Select ‘NEFT’ as the transfer type.
4. Add a new beneficiary if you haven’t already. You will need the beneficiary’s name, account number, bank name, and the correct IFSC code (PUNB0MBGB06 for Adapur branch).
5. Enter the amount you wish to transfer.
6. Confirm the details and complete the transaction.

For RTGS (Real Time Gross Settlement)

1. Access your bank’s online platform or app.
2. Choose ‘RTGS’ for your fund transfer. This is generally for larger amounts.
3. Input the beneficiary details, including their name, account number, bank, and the Adapur branch’s IFSC code (PUNB0MBGB06).
4. Specify the amount.
5. Review all information and authorize the payment.

For IMPS (Immediate Payment Service)

1. Open your mobile banking app or use internet banking.
2. Select ‘IMPS’ for an instant transfer.
3. You can often transfer using either the beneficiary’s account number and IFSC, or their Mobile Money Identifier (MMID) and mobile number. When using account number, ensure you have PUNB0MBGB06 for Adapur.
4. Enter the amount.
5. Verify the information and complete the instant transfer.

Always double-check the IFSC code and account number before confirming any transaction to avoid sending money to the wrong recipient.

Benefits of Knowing the IFSC Code

Having the correct IFSC code for your bank branch, like PUNB0MBGB06 for Bihar Gramin Bank Adapur, offers several important advantages:

• Accurate Fund Transfers: Ensures your money reaches the exact intended branch, preventing delays or misdirection of funds.
• Faster Transactions: Facilitates quick processing of NEFT, RTGS, and IMPS transactions, allowing for efficient money movement.
• Enhanced Security: The unique identification helps in tracking transactions, adding a layer of security to your financial transfers.
• Online Banking Convenience: It’s essential for all digital banking services involving inter-bank transfers, making online transactions possible from anywhere.
• Avoiding Transaction Failures: Incorrect or outdated IFSC codes can cause transactions to fail, leading to inconvenience. Knowing the correct code ensures smooth processing.

Contact Information

For inquiries or assistance regarding the Bihar Gramin Bank Adapur branch, you can use the following contact details:

• Branch Phone Number: 9297954600
• Branch Address: Adapur, EAST CHAMPARAN, 845301, Bihar
• Bihar Gramin Bank Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number: 18001807777

Frequently Asked Questions (FAQs)

Here are some common questions about IFSC codes and their usage:

Q1: What happens if I use an old IFSC code from Uttar Bihar Gramin Bank or Dakshin Bihar Gramin Bank?
A1: If you use an old or incorrect IFSC code, your transaction will likely fail. The banking system will not recognize the old code as valid for the current Bihar Gramin Bank structure, and the funds will not be transferred successfully.

Q2: Is the IFSC code PUNB0MBGB06 unique only to the Adapur branch?
A2: While the full 11-character code PUNB0MBGB06 is unique to the Adapur branch of Bihar Gramin Bank, the first five characters ‘PUNB0’ identify the sponsoring bank (Punjab National Bank) and the ‘MBGB’ portion broadly identifies Bihar Gramin Bank within PNB’s system. The final ’06’ specifically identifies the Adapur branch.

Q3: Can I find the IFSC code for Bihar Gramin Bank Adapur branch online?
A3: Yes, you can. Most bank websites, including Punjab National Bank’s, provide tools to find IFSC codes. The Reserve Bank of India (RBI) website also lists all valid IFSC codes. You can also find it on your bank’s passbook or cheque book.

Q4: Why is the fifth character always ‘0’ (zero) in an IFSC code?
A4: The fifth character being ‘0’ is a standard set by the RBI. It’s reserved for future use, possibly for expanding the code’s structure, and currently acts as a control character to maintain the 11-character standard.

Q5: What does ‘PUNB0’ signify in the IFSC code PUNB0MBGB06?
A5: ‘PUNB0’ indicates that the Bihar Gramin Bank, including its Adapur branch, is sponsored by Punjab National Bank. All Regional Rural Banks (RRBs) like Bihar Gramin Bank operate under the sponsorship of a larger public sector bank, and their IFSC codes reflect this sponsorship.