Bihar Gramin Bank Ganpatganj IFSC Code

When you need to send money to a bank account in Ganpatganj, Supaul, Bihar, understanding the Indian Financial System Code (IFSC) is essential. This unique code acts like a digital address, ensuring your funds reach the correct branch and account without delays. Whether you’re making an NEFT, RTGS, or IMPS transfer, having the right IFSC code is the first step to a successful transaction.

Branch Details

Here are the specific details for the Bihar Gramin Bank branch in Ganpatganj:

Bank Name	Bihar Gramin Bank
Branch Name	Ganpatganj
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	100726
Branch Address	Ganpatganj, SUPAUL, 852213, 9297954245
Contact Number	9297954245
City	SUPAUL
District	SUPAUL
Reason	SAHARSA
Pincode	852213
State	Bihar

Merger Update

Bihar Gramin Bank was formed through the merger of two important regional rural banks: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). After this merger, all branches, including Ganpatganj, now operate under the sponsorship of Punjab National Bank (PNB).

As a result of this merger, all older IFSC codes previously associated with UBGB or DBGB are no longer valid. For any financial transaction with Bihar Gramin Bank, including the Ganpatganj branch, you must use the new and unified IFSC code: PUNB0MBGB06. Using any old code will cause your transaction to fail.

What is an IFSC Code?

The IFSC (Indian Financial System Code) is an 11-character alpha-numeric code used to identify all bank branches participating in online fund transfers. It helps ensure that money sent via NEFT, RTGS, or IMPS reaches the correct recipient account in the right branch.

The structure of the IFSC code is quite specific:

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

How to Use an IFSC Code

Using the IFSC code is a straightforward process when you’re making online fund transfers. Here’s how it works for different types of transactions:

1. For NEFT (National Electronic Funds Transfer): This system processes transactions in batches.
   • Log into your bank’s online banking portal or mobile app.
   • Select “NEFT” as the transfer type.
   • Enter the beneficiary’s name, account number, and the correct IFSC code (PUNB0MBGB06 for Ganpatganj branch).
   • Input the amount you wish to transfer.
   • Confirm the details and complete the transaction.
2. For RTGS (Real Time Gross Settlement): This is for large-value transactions, processed individually and immediately.
   • Access your online banking or mobile app.
   • Choose “RTGS” for the transfer.
   • Provide the beneficiary’s name, account number, and the IFSC code (PUNB0MBGB06).
   • Specify the transfer amount.
   • Review and confirm all information before sending.
3. For IMPS (Immediate Payment Service): This allows instant, 24/7 fund transfers.
   • Open your bank’s mobile banking app.
   • Select “IMPS” for the transfer.
   • Enter the beneficiary’s account number and the IFSC code (PUNB0MBGB06).
   • Input the amount.
   • Verify the details and authorize the transaction.

Always double-check the IFSC code and account number before initiating a transfer to prevent errors.

Benefits of Knowing Your IFSC Code

Having the correct IFSC code at hand offers several advantages:

• Ensures Accuracy: It directs your money to the precise bank branch, preventing funds from going to the wrong account.
• Facilitates Online Transfers: It is a mandatory requirement for all major electronic fund transfer systems like NEFT, RTGS, and IMPS.
• Speeds Up Transactions: A correct IFSC helps process your transfers quickly and without delays.
• Enhances Security: By clearly identifying the destination branch, it adds a layer of security to your financial transactions.
• Simplifies Bill Payments: Many online bill payment services and e-commerce platforms ask for IFSC codes for refunds or direct bank transfers.

Contact Information

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

• Ganpatganj Branch Phone Number: 9297954245
• Ganpatganj Branch Address: Ganpatganj, SUPAUL, 852213, Bihar
• Bihar Gramin Bank Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number (for general inquiries): 18001807777

Frequently Asked Questions (FAQs)

Q1: Is the IFSC code PUNB0MBGB06 only for the Ganpatganj branch?

A: No, PUNB0MBGB06 is the IFSC code for the Ganpatganj branch specifically. Each branch of Bihar Gramin Bank will have a unique last six characters for its IFSC code, while the first five characters (PUNB0) will remain the same as they denote Punjab National Bank sponsorship.

Q2: What happens if I use an old IFSC code from Uttar Bihar Gramin Bank or Dakshin Bihar Gramin Bank?

A: If you use an old IFSC code, your transaction will likely fail. The system will not recognize the old code as valid for Bihar Gramin Bank, and the funds will not be transferred. Always use the current IFSC code, PUNB0MBGB06, for the Ganpatganj branch.

Q3: Do I need an IFSC code for cash deposits or withdrawals at the branch counter?

A: No, an IFSC code is primarily for electronic fund transfers (NEFT, RTGS, IMPS). You do not need it for cash deposits or withdrawals made directly at the bank branch counter.

Q4: Where can I find the IFSC code for other Bihar Gramin Bank branches?

A: You can find IFSC codes on your bank passbook, cheque book, or by visiting the official website of Bihar Gramin Bank or Punjab National Bank. Many reliable third-party financial websites also provide this information.

Q5: Is the MICR code the same as the IFSC code?

A: No, the MICR (Magnetic Ink Character Recognition) code is different from the IFSC code. The MICR code (like 800811002 for Ganpatganj) is a 9-digit code primarily used for processing physical cheques. The IFSC code is for electronic transfers.