Bihar Gramin Bank Ambika Asthan IFSC Code

The Bihar Gramin Bank branch at Ambika Asthan is located in Gopalganj district, Bihar (Pincode 841438). This page lists the branch contact details and the IFSC required for online fund transfers. The IFSC code is essential for routing electronic payments through NEFT, RTGS and IMPS. Entering the correct IFSC ensures the payment reaches the right bank and branch and speeds up settlement and reconciliation.

Branch Details

Bank Name	Bihar Gramin Bank
Branch Name	Ambika Asthan
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	100531
Branch Address	Ambika Asthan, GOPALGANJ, 841438, 9297954531
Contact Number	9297954531
City	GOPALGANJ
District	GOPALGANJ
Reason	GOPALGANJ
Pincode	841438
State	Bihar

Merger Update

Important: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been reorganized and their branches now operate under the Punjab National Bank sponsored structure. All former UBGB/DBGB IFSC codes have been revoked. For this Ambika Asthan branch use the single, current IFSC PUNB0MBGB06 for NEFT, RTGS and IMPS. Old UBGB/DBGB IFSCs will not work for electronic transfers.

What is IFSC Code?

The IFSC (Indian Financial System Code) is an 11-character alphanumeric code that uniquely identifies a bank branch in India for electronic payments. Its structure is:

• First 4 characters — bank identifier (letters). Example: PUNB stands for Punjab National Bank.
• 5th character — reserved and is always 0 in standard IFSC codes.
• Last 6 characters — branch identifier (alphanumeric). Example: MBGB06 identifies the specific branch.

So, in PUNB0MBGB06, PUNB = bank, 0 = reserved, MBGB06 = Ambika Asthan branch code.

How to Use IFSC Code

Use the IFSC when adding a beneficiary in netbanking, mobile banking or at your bank branch. Steps:

• Open your bank’s netbanking or mobile app and go to “Add Beneficiary” or “New Payee”.
• Choose transfer type: NEFT, RTGS or IMPS (IMPS for instant transfers, NEFT for batch settlement, RTGS for large-value transfers—check your bank for minimums and charges).
• Enter beneficiary name and account number exactly as in the beneficiary’s bank records.
• Enter IFSC: PUNB0MBGB06. Verify each character; the 5th character is zero (0).
• Enter amount and purpose. Confirm charges and limits shown by your bank.
• Verify beneficiary details returned by the system (bank name and branch). If they match, approve the addition.
• Initiate the transfer. Note the UTR/transaction reference for tracking and reconciliation.

Practical notes:

• NEFT: no standard minimum; settlement happens in half-hourly batches (timings depend on operational hours and 24×7 availability in many banks).
• RTGS: used for high-value transfers; banks may set a minimum (commonly ₹2,00,000). Check with your bank.
• IMPS: immediate, 24×7; single-transaction limits vary by bank (often up to ₹2 lakh but check your bank’s limit).
• If the IFSC is wrong but the account number belongs to a different branch, funds may be routed incorrectly or returned. If the account number and IFSC do not match, the transfer can fail or be delayed.

Benefits

• Accurate routing: IFSC ensures payment goes to the intended bank and branch.
• Faster processing: Electronic systems use IFSC for automated clearing and quicker settlement.
• Saves time: No need to visit a branch for interbank transfers when you have the IFSC.
• Better reconciliation: Businesses and banks use IFSC to reconcile inward remittances.
• Required for online forms: Many banks and payment gateways mandate IFSC to add beneficiaries.
• Reduces human error: A single code identifies branch details instead of manual entry of full branch data.

Contact

Branch phone: 9297954531

Branch address: Ambika Asthan, GOPALGANJ, 841438

Head office address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR

Toll-free number: 18001807777

FAQs

• Q: Can I use the old UBGB IFSC for transfers?

  A: No. Old UBGB/DBGB IFSCs have been revoked. Use the current IFSC PUNB0MBGB06 for this branch.

• Q: What is the difference between IFSC and MICR?

  A: IFSC (11 characters) is used for electronic fund transfers (NEFT/RTGS/IMPS). MICR (9 digits, here 800811002) is used mainly by banks and clearing houses for processing cheques.

• Q: If I enter the wrong IFSC but the correct account number, will the money reach the beneficiary?

  A: It depends. If the wrong IFSC points to a different bank/branch and the account number exists there, funds could be misrouted. If the account number and IFSC do not match any account, the transfer will usually fail and be returned. Always verify the IFSC and account number.

• Q: How long does NEFT/RTGS/IMPS take to reach Ambika Asthan branch?

  A: IMPS is instant (real-time). NEFT settlement is typically in scheduled batches; many banks now support 24×7 NEFT. RTGS is for large-value transfers and is usually immediate during operational hours. Actual timing depends on your bank and cut-off times.

• Q: Where can I confirm the IFSC before sending money?

  A: Confirm with the beneficiary, the branch (phone 9297954531), or your bank’s beneficiary-verification screen. The netbanking/mobile app usually displays the bank and branch name after you enter the IFSC—verify that before authorizing the transfer.