Bihar Gramin Bank AZIMABAD IFSC Code

The Bihar Gramin Bank branch in AZIMABAD is located in the Bhojpur district of Bihar. For anyone looking to send or receive money electronically to an account at this branch, the Indian Financial System Code (IFSC) is essential. This unique 11-character code identifies the specific bank branch involved in online transactions, ensuring that funds transferred through systems like NEFT, RTGS, and IMPS are routed correctly and without delay.

Branch Details

Merger and Updated IFSC Code

Bihar Gramin Bank was formed through the amalgamation of two other regional rural banks: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). Following this merger, the bank is now sponsored by Punjab National Bank (PNB). As a result, the IFSC codes for all branches were updated. The old IFSC codes previously used by UBGB and DBGB branches are now invalid and have been revoked. For all electronic fund transfers to any Bihar Gramin Bank branch, including Azimabad, you must use the new IFSC code, which starts with ‘PUNB’. Using an old code will result in a failed transaction.

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 ensures that money is sent to the correct bank and branch.

The structure of the IFSC code PUNB0MBGB06 can be broken down as follows:

• PUNB: The first four letters represent the name of the bank. In this case, ‘PUNB’ stands for Punjab National Bank, the sponsor bank for Bihar Gramin Bank.
• 0: The fifth character is always a zero. It is reserved for future use.
• MBGB06: The last six characters identify the specific branch. For the Azimabad branch, this unique identifier is ‘MBGB06’.

How to Use the IFSC Code for Fund Transfers

Using the IFSC code for online transactions is a straightforward process. Whether you are using a mobile banking app or an internet banking portal, the steps are generally the same.

1. Log In: Access your bank’s net banking website or mobile application.
2. Add Beneficiary: Navigate to the ‘Fund Transfer’ section and choose to add a new beneficiary or payee.
3. Enter Details: You will be asked to provide the recipient’s details, including their name, bank account number, and the IFSC code of their bank branch. For the Azimabad branch, you would enter PUNB0MBGB06.
4. Select Transfer Type: Choose the method of transfer, such as NEFT (for standard transfers), RTGS (for high-value transfers), or IMPS (for instant transfers).
5. Confirm and Authenticate: Verify all the details entered are correct and confirm the transaction, usually with a one-time password (OTP) sent to your registered mobile number.

Benefits of Using the Correct IFSC Code

• Accuracy: It eliminates confusion between bank branches with similar names or locations, ensuring your money reaches the exact account intended.
• Speed: Correct codes enable automated processing, which makes transactions faster and more efficient.
• Error Prevention: The primary purpose of the code is to prevent misdirected funds, saving you from the hassle of transaction failures or reversals.
• Universal Requirement: It is mandatory for all major online payment systems in India, including NEFT, RTGS, and IMPS.

Contact Information

For any direct inquiries, you can contact the branch or the bank’s head office.

• Branch Phone Number: 9771464009
• Branch Address: AZIMABAD, Bhojpur, Bihar – 802164
• Head Office Address: Bihar Gramin Bank, SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number: 18001807777

Frequently Asked Questions

What happens if I use an old Dakshin Bihar Gramin Bank IFSC code?

Your transaction will fail. Since the merger, all old IFSC codes from both Dakshin Bihar Gramin Bank and Uttar Bihar Gramin Bank have been deactivated. You must use the new ‘PUNB’ prefixed code.

Is the IFSC code PUNB0MBGB06 the same for all branches of Bihar Gramin Bank?

No. While the first four letters ‘PUNB’ are common for all branches due to the sponsorship by PNB, the last six characters are unique to each specific branch. PUNB0MBGB06 is only for the Azimabad branch.

Where can I find the IFSC code for my branch?

The IFSC code is printed on the cheque leaves of your bank-issued chequebook. It is also mentioned on your account passbook and can be found on the bank’s official website.

What is the difference between an IFSC code and a MICR code?

The IFSC code is used for online fund transfers (NEFT, RTGS, IMPS). The MICR (Magnetic Ink Character Recognition) code is a 9-digit code found at the bottom of a cheque leaf, used for the physical processing and clearing of cheques.

Do I need an IFSC code for UPI transactions?

No, you do not need to enter an IFSC code for standard UPI transactions made through a mobile app. UPI uses a Virtual Payment Address (VPA) to identify accounts, simplifying the process. However, the banking system uses the IFSC code in the background to route the funds.

Kriti Kumari

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.