Bihar Gramin Bank Amame Majhar IFSC Code

In the quiet village of Amame Majhar, located in the West Champaran district of Bihar, managing your money smoothly is important. Whether you need to send money to family, pay bills, or receive funds, understanding your bank’s details is key. For digital transactions like NEFT, RTGS, or IMPS, the Indian Financial System Code (IFSC) is a crucial piece of information. This unique code acts like a digital address for your bank branch, ensuring your money reaches the correct destination without issues.

Branch Details Table

Here are the essential details for the Bihar Gramin Bank branch in Amame Majhar:

Bank Name	Bihar Gramin Bank
Branch Name	Amame Majhar
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	100245
Branch Address	Amame Majhar, WEST CHAMPARAN, 845459, 9297954012
Contact Number	9297954012
City	WEST CHAMPARAN
District	WEST CHAMPARAN
Reason	BETTIAH
Pincode	845459
State	Bihar

Merger Update

You might remember banks like Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). These two important regional rural banks have merged to form a single, stronger entity: the Bihar Gramin Bank. This merger was sponsored by Punjab National Bank.

As a result of this merger, all branches of the former UBGB and DBGB now operate under the Bihar Gramin Bank. This also means that their IFSC codes have changed. The new IFSC codes for Bihar Gramin Bank branches, including Amame Majhar, follow a consistent format, typically starting with PUNB0MBGB. The “MBGB” part signifies the Maha Gramin Bank, which is the merged entity known as Bihar Gramin Bank.

It is very important to note that the old IFSC codes previously used by Uttar Bihar Gramin Bank or Dakshin Bihar Gramin Bank branches are now revoked and are no longer valid for any bank transactions. For any fund transfers to or from the Amame Majhar branch, you must use the new and valid IFSC code: PUNB0MBGB06.

What is IFSC Code?

The IFSC Code, or Indian Financial System Code, is a unique 11-character code. It is given to every bank branch in India by the Reserve Bank of India (RBI). This code helps identify bank branches accurately during electronic fund transfers. Think of it as a specific address for a bank branch in the digital world.

The 11 characters of the IFSC code are structured in a particular way:

• The first four characters represent the bank name. For example, in PUNB0MBGB06, “PUNB” stands for Punjab National Bank, the sponsor bank of Bihar Gramin Bank.
• The fifth character is always a ‘0’ (zero). This character is reserved for future use and currently acts as a control character.
• The last six characters identify the specific branch. In PUNB0MBGB06, “MBGB06” refers to the Amame Majhar branch of Bihar Gramin Bank.

This structure ensures that each branch has its own distinct code, which prevents errors in money transfers.

How to Use IFSC Code

You will need the IFSC code when you want to send or receive money through various electronic transfer methods. Here’s how it’s typically used:

• NEFT (National Electronic Funds Transfer): This system allows you to send money from one bank account to another across India. When you initiate an NEFT transaction, either online or at a bank branch, you will need to provide the beneficiary’s (the person receiving money) bank account number, their name, and the IFSC code of their bank branch. The funds are settled in batches throughout the day.
• RTGS (Real Time Gross Settlement): RTGS is used for high-value transactions, typically for amounts of 2 lakh rupees or more. It provides immediate or “real-time” transfer of funds. Similar to NEFT, you need the beneficiary’s account number, name, and their bank branch’s IFSC code. The transfer happens individually, not in batches.
• IMPS (Immediate Payment Service): IMPS offers instant 24/7 fund transfers, even on holidays. It’s often used for smaller, quick payments. When using IMPS via mobile banking or internet banking, you will need the beneficiary’s mobile number and MMID (Mobile Money Identifier), or their account number and IFSC code.

Always double-check the IFSC code, account number, and beneficiary name before confirming any transaction. A small error can lead to funds being sent to the wrong account.

Benefits

Knowing and using the correct IFSC code offers several important benefits:

• Ensures Accuracy: It directs your funds to the precise branch, preventing transfer errors and delays.
• Facilitates Electronic Transfers: It is essential for all major digital payment systems like NEFT, RTGS, and IMPS, making online banking possible.
• Saves Time: Electronic transfers using IFSC are much faster than traditional methods like cheques or cash deposits.
• Increases Security: The unique identification helps in tracking transactions and maintaining a secure financial system.
• Supports National Connectivity: It links all bank branches in India under a standardized system, enabling seamless inter-bank transfers across the country.

Contact

If you need to get in touch with the Amame Majhar branch or the Bihar Gramin Bank head office, here are the details:

• Amame Majhar Branch Phone Number: 9297954012
• Amame Majhar Branch Address: Amame Majhar, WEST CHAMPARAN, 845459
• Bihar Gramin Bank Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Bihar Gramin Bank Toll-Free Number: 18001807777

FAQs

Q1: Is the IFSC code for Bihar Gramin Bank Amame Majhar branch truly unique?

Yes, absolutely. The IFSC code PUNB0MBGB06 is a unique 11-character identifier specifically assigned to the Bihar Gramin Bank Amame Majhar branch by the Reserve Bank of India. No other bank branch in India shares this exact code.

Q2: What should I do if I accidentally used an old IFSC code from Uttar Bihar Gramin Bank for a transfer?

If you use an old, revoked IFSC code, the transaction will likely fail. The banking system is designed to reject transfers with invalid codes. If the money was debited from your account, it should typically be reversed within a few hours or a business day. Always verify the current IFSC code before initiating a transfer, especially after bank mergers.

Q3: Can I find the IFSC code for Bihar Gramin Bank Amame Majhar on my passbook?

Yes, your bank passbook is one of the most reliable places to find your branch’s IFSC code. It is usually printed on the first page or inside cover. You can also find it on cheque leaves, on the bank’s official website, or by contacting customer service.

Q4: Do I need the IFSC code for cash deposits or withdrawals at the branch?

No, you generally do not need the IFSC code for simple cash deposits or withdrawals made directly at your home branch. The IFSC code is primarily for electronic fund transfers (NEFT, RTGS, IMPS) between different bank branches.

Q5: What does “MBGB” in the IFSC code PUNB0MBGB06 stand for?

In the context of Bihar Gramin Bank, “MBGB” stands for “Maha Gramin Bank.” This part of the code identifies the merged entity that is now Bihar Gramin Bank, which is sponsored by Punjab National Bank (PUNB).