Bihar Gramin Bank Andama IFSC Code

The Andama branch of Bihar Gramin Bank is located in the Darbhanga district of Bihar. For anyone looking to send money to an account at this branch, understanding the Indian Financial System Code (IFSC) is essential. This unique 11-character code is required for all online fund transfers, including National Electronic Funds Transfer (NEFT), Real-Time Gross Settlement (RTGS), and Immediate Payment Service (IMPS). It acts like a specific address, ensuring your money reaches the correct bank branch without any errors.

Branch Details

Bank Name: Bihar Gramin Bank

Branch Name: Andama

IFSC Code: PUNB0MBGB06

MICR Code: 800811002

Branch Code: 100462

Branch Address: Andama, DARBHANGA, 846001, 9297955068

Contact Number: 9297955068

City: DARBHANGA

District: DARBHANGA

Pincode: 846001

State: Bihar

Important Merger Update

Bihar Gramin Bank was formed by the merger of two former regional rural banks: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). The newly formed bank is sponsored by Punjab National Bank (PNB). Because of this sponsorship, the new IFSC codes for all Bihar Gramin Bank branches begin with ‘PUNB’.

It is crucial to note that all old IFSC codes belonging to the former Uttar Bihar Gramin Bank or Dakshin Bihar Gramin Bank are now invalid and have been revoked. Using an old code will cause your transaction to fail. For all online fund transfers to the Andama branch, you must use the new IFSC code, PUNB0MBGB06.

What is an IFSC Code?

An IFSC code is a unique 11-character alphanumeric code assigned by the Reserve Bank of India (RBI) to identify every bank branch participating in the electronic funds transfer system. The code’s structure ensures that every transaction is routed correctly.

Let’s break down the IFSC code for the Andama branch, PUNB0MBGB06:

• PUNB: The first four alphabetic characters represent the bank’s name. In this case, it is ‘PUNB’ for Punjab National Bank, the sponsor bank.
• 0: The fifth character is always a zero. It is reserved for future use.
• MBGB06: The last six characters identify the specific bank branch. This part of the code directs the funds to the correct location, which is the Andama branch.

How to Use the IFSC Code for Fund Transfers

Using the IFSC code for an online transaction is straightforward. When you add a new beneficiary or payee in your net banking or mobile banking app, you will be asked for the following details:

1. Beneficiary Name: The full name of the person or company you are sending money to, as it appears on their bank account.
2. Account Number: The recipient’s correct bank account number.
3. Bank Name: Bihar Gramin Bank.
4. IFSC Code: Enter PUNB0MBGB06 to specify the Andama branch.

After entering these details, you can proceed with your NEFT, RTGS, or IMPS transaction. Double-checking the IFSC code and account number is the best way to prevent transfer errors.

Benefits of Using the Correct IFSC Code

• Accuracy: The primary benefit is ensuring your money is sent to the exact intended bank branch, eliminating guesswork and potential errors.
• Speed: Correct IFSC codes enable automated systems to process transactions quickly without manual intervention, leading to faster fund transfers.
• Error Prevention: The banking system uses the IFSC code to validate the branch details. If you enter an invalid code, the system will often alert you, preventing the transaction from being sent to the wrong place.
• Security: It adds a layer of verification to the fund transfer process, confirming that the account number is associated with the specified branch.

Contact Information

For direct assistance, you can reach out to the branch or the bank’s head office.

Branch Contact:

• Phone Number: 9297955068
• Address: Andama, DARBHANGA, Bihar – 846001

Head Office Contact:

• Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number: 18001807777

Frequently Asked Questions

1. Why does the Bihar Gramin Bank IFSC code start with ‘PUNB’?
The code starts with ‘PUNB’ because Bihar Gramin Bank is sponsored by Punjab National Bank (PNB) following the merger of UBGB and DBGB. PNB manages the central payment gateway for the bank.

2. Can I still use my old Uttar Bihar Gramin Bank (UBGB) IFSC code?
No. All IFSC codes associated with the former UBGB and DBGB are now permanently inactive. Using them will result in a failed transaction. You must use the new codes provided by Bihar Gramin Bank.

3. What happens if I accidentally enter the wrong IFSC code?
If the IFSC code you enter does not exist, your bank’s system will likely reject the transaction immediately. If the code exists but belongs to a different branch, the funds might be sent there and then returned, causing delays. In rare cases, if the account number also matches at the wrong branch, the transaction could be miscredited, which is why double-checking is so important.

4. Is the IFSC code required for all types of bank transactions?
No. The IFSC code is specifically for electronic fund transfers like NEFT, RTGS, and IMPS. It is not needed for cash deposits, cheque transactions, or UPI payments, which use a Virtual Payment Address (VPA).

5. Is the MICR code the same as the IFSC code?
No. The MICR (Magnetic Ink Character Recognition) code is a 9-digit code used for processing cheques. The IFSC code is an 11-character code used for online fund transfers. While both identify a bank branch, they are used for different payment systems.