Bihar Gramin Bank Afour IFSC Code

The Bihar Gramin Bank branch in Afour, located in the Saran district of Bihar, plays an important role for local residents and businesses. To make online money transfers, such as NEFT, RTGS, or IMPS, you need a specific code called the Indian Financial System Code, or IFSC. This unique code ensures your funds go to the correct bank and branch quickly and safely.

Branch Details

Here are the important details for the Bihar Gramin Bank Afour branch:

Bank Name	Bihar Gramin Bank
Branch Name	Afour
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	108048
Branch Address	Afour, SARAN, 841414, 9297955187
Contact Number	9297955187
City	SARAN
District	SARAN
Reason	CHAPRA
Pincode	841414
State	Bihar

Merger Update

It’s important to know about the history of Bihar Gramin Bank. Previously, there were two separate rural banks: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). These banks have now merged to form Bihar Gramin Bank. This new entity operates under the sponsorship of Punjab National Bank.

Because of this merger, all branches of the former UBGB and DBGB now use a standardized IFSC code structure. For the Afour branch, and other specific branches under the new Bihar Gramin Bank, the IFSC 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 are now invalid. You must use only the new IFSC code, PUNB0MBGB06, for any fund transfers to ensure your transactions are successful.

What is an IFSC Code?

An IFSC code stands for Indian Financial System Code. It is an 11-character alphanumeric code used to identify all bank branches in India. This code is essential for electronic fund transfers like NEFT, RTGS, and IMPS.

The structure of an IFSC code is simple to understand:

• The first four characters represent the bank’s name. For example, ‘PUNB’ stands for Punjab National Bank (which sponsors Bihar Gramin Bank).
• The fifth character is always a zero (0). This character is reserved for future use.
• The last six characters identify the specific branch of the bank. In the case of PUNB0MBGB06, ‘MBGB06’ points to the Afour branch of Bihar Gramin Bank.

This unique code ensures that when you send money, it reaches the correct bank branch without any errors.

How to Use an IFSC Code

Using an IFSC code for online money transfers is straightforward. Here are the general steps you’ll follow when using services like NEFT, RTGS, or IMPS:

1. Log in to Net Banking or Mobile Banking: Access your bank’s online platform using your user ID and password.
2. Go to the Funds Transfer Section: Look for options like “Funds Transfer,” “NEFT,” “RTGS,” or “IMPS.”
3. Add a New Beneficiary: If you’re sending money to someone for the first time, you’ll need to add them as a new beneficiary or payee.
4. Enter Beneficiary Details:
   • Beneficiary Name (the account holder’s full name)
   • Beneficiary Account Number (the account number where you want to send money)
   • Confirm Beneficiary Account Number
   • IFSC Code: Enter PUNB0MBGB06 for the Bihar Gramin Bank Afour branch.
   • Beneficiary Bank Name (Bihar Gramin Bank)
   • Beneficiary Bank Branch (Afour)
5. Verify Details: Double-check all the entered information, especially the account number and IFSC code, to prevent errors.
6. Confirm and Transfer: Once confirmed, enter the amount you wish to transfer and complete the transaction.

Always ensure the IFSC code you use matches the exact branch where the recipient holds their account. Using the correct IFSC code, like PUNB0MBGB06 for the Afour branch, is key for successful transfers.

Benefits of Knowing Your IFSC Code

Knowing the correct IFSC code for your bank branch offers several benefits:

• Accurate Fund Transfers: It ensures your money reaches the right account at the correct branch, preventing misdirection of funds.
• Faster Transactions: IFSC codes are essential for efficient NEFT, RTGS, and IMPS transfers, allowing funds to move quickly between banks.
• Convenience: You can conduct banking transactions from anywhere, anytime, without needing to visit the branch in person.
• Security: The unique identification helps in tracking transactions, adding a layer of security to your financial dealings.
• Reduced Errors: By identifying the exact branch, it minimizes the chances of errors in financial transactions.

Contact Information

If you need to get in touch with Bihar Gramin Bank, here are the relevant contact details:

• Afour Branch Phone Number: 9297955187
• Afour Branch Address: Afour, SARAN, 841414, Bihar
• Bihar Gramin Bank Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number: 18001807777

Frequently Asked Questions

What is the IFSC code for Bihar Gramin Bank Afour branch?

The IFSC code for Bihar Gramin Bank, Afour branch, is PUNB0MBGB06.

Where can I find the IFSC code for my branch?

You can usually find your bank’s IFSC code on your cheque book, passbook, or on the bank’s official website. Online banking portals also display this information when you check your account details.

What happens if I use an incorrect IFSC code?

If you use an incorrect IFSC code, your fund transfer will likely fail. The bank’s system uses the IFSC code to route the transaction to the correct branch. An incorrect code means the system cannot find the destination, and the transaction will not go through. Your money will typically be returned to your account.

Is PUNB0MBGB06 valid for all Bihar Gramin Bank branches?

No, PUNB0MBGB06 is the specific IFSC code for the Afour branch of Bihar Gramin Bank. Each branch of Bihar Gramin Bank has its own unique IFSC code. While the first few characters might be similar due to the bank’s sponsorship (PUNB0MBGB), the last six characters will vary for different branches.

What is the difference between NEFT, RTGS, and IMPS?

• NEFT (National Electronic Funds Transfer): This is an electronic fund transfer system that operates in batches. Transfers are processed in hourly batches throughout the banking day. It’s suitable for smaller amounts and is not real-time.
• RTGS (Real Time Gross Settlement): This system processes transfers individually and in real-time. It’s designed for large value transactions, typically above ₹2 lakh. Once processed, the funds are immediately credited to the recipient’s account.
• IMPS (Immediate Payment Service): IMPS offers instant, 24/7 fund transfers, even on holidays. It’s available through mobile banking, internet banking, and ATMs. There’s no minimum or maximum amount specified by RBI, but banks may set their own limits.