The Bihar Gramin Bank branch in Amarpur, located in the Banka district of Bihar, provides essential banking services to the local community. For anyone looking to send or receive money online through this branch, understanding its Indian Financial System Code (IFSC) is critical. This unique code acts like a digital address, ensuring that electronic fund transfers through services like NEFT (National Electronic Funds Transfer), RTGS (Real-Time Gross Settlement), and IMPS (Immediate Payment Service) are routed correctly and securely to the intended bank branch.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Amarpur |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | MBGB06 |
| Branch Address | Amarpur, Banka, 813101, Bihar |
| Contact Number | 8102918758 |
| City | Banka |
| District | Banka |
| Region | BHAGALPUR |
| Pincode | 813101 |
| State | Bihar |
Important Merger Update
Bihar Gramin Bank was formed through the merger of two former regional rural banks: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). Following this amalgamation, the bank is now sponsored by Punjab National Bank (PNB). As a result, all branches, including Amarpur, operate under a new, unified IFSC code structure. The old IFSC codes previously used by UBGB and DBGB branches are now invalid and have been revoked. For any online transaction, you must use the new IFSC code, PUNB0MBGB06, to ensure your funds are processed correctly.
What is an IFSC Code?
The Indian Financial System Code (IFSC) is an 11-character alphanumeric code assigned by the Reserve Bank of India (RBI) to every bank branch participating in the electronic funds transfer network. This code is essential for uniquely identifying a specific branch during an online transaction.
The structure of the IFSC code PUNB0MBGB06 can be broken down as follows:
- PUNB: The first four alphabetic characters represent the name of the sponsor bank, which is Punjab National Bank.
- 0: The fifth character is always a zero. It is reserved for future use.
- MBGB06: The last six characters represent the unique code for the specific branch. In this case, it identifies the Amarpur branch of Bihar Gramin Bank.
How to Use the IFSC Code for Fund Transfers
Using the IFSC code for an online money transfer is a straightforward process. Whether you are using your bank’s mobile app or internet banking portal, the steps are generally the same for NEFT, RTGS, or IMPS.
- Log In: Access your net banking account or mobile banking application.
- Select Fund Transfer: Navigate to the “Fund Transfer” or “Payments” section and choose the transfer type (NEFT, RTGS, or IMPS).
- Add Beneficiary: You will need to add the recipient as a beneficiary. To do this, you must enter their account details, including:
- Beneficiary’s Name
- Beneficiary’s Bank Account Number
- Bank Name (Bihar Gramin Bank)
- IFSC Code (PUNB0MBGB06)
- Branch Name (Amarpur)
- Verify and Confirm: Double-check all the details, especially the account number and IFSC code, to prevent errors. Once confirmed, you can proceed to enter the amount and complete the transaction.
Benefits of Using the Correct IFSC Code
- Ensures Accuracy: The primary benefit is that it routes your money to the exact intended bank branch, eliminating guesswork.
- Prevents Errors and Delays: Using the correct code minimizes the chances of a failed transaction or delays caused by misdirected funds.
- Enables Fast Processing: It allows for automated, straight-through processing of transactions without manual intervention.
- Supports All Online Transfers: The code is mandatory for all major online payment systems in India, including NEFT, RTGS, and IMPS.
Contact Information
For direct assistance or specific queries, you can reach out to the branch or the bank’s head office.
- Branch Contact Number: 8102918758
- Branch Address: Amarpur, Banka, Bihar – 813101
- Head Office Address: Bihar Gramin Bank, SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
- Toll-Free Number: 18001807777
Frequently Asked Questions
Can I still use my old Dakshin Bihar Gramin Bank (DBGB) IFSC code for a transaction?
No. After the merger, all old IFSC codes from both DBGB and UBGB are no longer active. You must use the new IFSC code, PUNB0MBGB06, for all transactions with the Amarpur branch.
What happens if I enter the wrong IFSC code?
If the code you enter does not exist, the transaction will be rejected immediately. If you enter the IFSC code of a different branch, the funds could be sent there, causing significant delays in either receiving the money back or getting it credited to the correct account.
Why does the Bihar Gramin Bank IFSC code start with ‘PUNB’?
The first four letters of the IFSC code represent the sponsor bank. Since Punjab National Bank (PNB) is the sponsor bank for Bihar Gramin Bank, the code begins with ‘PUNB’.
Is the IFSC code the same for all branches of Bihar Gramin Bank?
No. While the first part of the code (‘PUNB0’) might be common, the last six characters are unique to each individual branch to ensure proper identification.
Where can I find the IFSC code on my chequebook?
The IFSC code is typically printed on the top portion of a cheque leaf, often near the branch address details. You can also find it in your bank passbook.
Kritti Kumari is a banker and MBA graduate who writes about banking, finance, and customer-friendly services. She simplifies complex financial products into easy guides, helping readers understand Bihar Gramin Bank’s offerings and make smarter money decisions.