Bihar Gramin Bank KADIRGANJ IFSC Code

The KADIRGANJ branch of Bihar Gramin Bank is located in Nawada, a city within the Nawada district of Bihar. When you need to transfer money electronically, whether through NEFT, RTGS, or IMPS, having the correct Indian Financial System Code (IFSC) for this specific branch is essential. This unique code acts like a digital address, ensuring your funds reach the right bank and branch quickly and securely, preventing delays or misdirected transfers.

Branch Details

Bank Name	Bihar Gramin Bank
Branch Name	KADIRGANJ
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	7285
Branch Address	KADIRGANJ, Nawada, 805104, 9771464285
Contact Number	9771464285
City	Nawada
District	Nawada
Reason	NAWADA
Pincode	805104
State	Bihar

Merger Update

The KADIRGANJ branch, part of Bihar Gramin Bank, operates under a unified structure following significant mergers of regional rural banks in Bihar. This bank was formed from the consolidation of various entities, including what were previously Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). As a result of these mergers, and with Punjab National Bank acting as its sponsor, a single, standardized IFSC code, PUNB0MBGB06, is now used for its branches.

It is crucial to understand that any old IFSC codes previously associated with branches of Uttar Bihar Gramin Bank or Dakshin Bihar Gramin Bank are no longer valid for any electronic fund transfers. For any NEFT, RTGS, or IMPS transactions to or from the KADIRGANJ branch, you must exclusively use the current, unified IFSC code: PUNB0MBGB06. Using an outdated code will lead to transaction failure.

What is IFSC Code?

The IFSC (Indian Financial System Code) is a unique 11-character code assigned by the Reserve Bank of India (RBI) to identify every bank branch in the country. It helps ensure that electronic money transfers are directed to the correct destination, even if multiple branches have similar names.

The 11 characters of an IFSC code follow a specific structure:

• The first four characters represent the bank’s name. For example, in PUNB0MBGB06, “PUNB” stands for Punjab National Bank, the sponsoring bank for Bihar Gramin Bank.
• The fifth character is always a zero (0). This character is reserved for future use and acts as a control digit.
• The last six characters uniquely identify the specific bank branch. In this case, “MBGB06” points directly to the KADIRGANJ branch of Bihar Gramin Bank.

How to Use IFSC Code

Using the IFSC code is a straightforward process when you’re making an electronic fund transfer. Here’s a general guide for NEFT, RTGS, and IMPS transactions:

1. Log In: Access your online banking account or mobile banking app.
2. Select Transfer Type: Choose the type of transfer you want to make (NEFT, RTGS, or IMPS).
3. Add Beneficiary: If you’re sending money to a new recipient, you’ll need to add them as a beneficiary. This usually involves providing the following details:
   • Beneficiary’s Name
   • Beneficiary’s Account Number
   • Confirm Beneficiary’s Account Number
   • Beneficiary’s Bank Name (e.g., Bihar Gramin Bank)
   • Beneficiary’s Branch Name (e.g., KADIRGANJ)
   • The correct IFSC Code (e.g., PUNB0MBGB06)
4. Enter Amount: Specify the amount you wish to transfer.
5. Confirm Details: Double-check all the entered information, especially the account number and IFSC code, to avoid any errors.
6. Authorize Transaction: Complete the transfer by entering your transaction password or OTP (One-Time Password).

For cash deposits at the bank counter or other over-the-counter services, the IFSC code is typically not required, but it’s always good to have the branch address or branch code handy.

Benefits of Knowing IFSC Code

Having the correct IFSC code for your bank branch, or for someone you’re sending money to, offers several important advantages:

• Accurate Transfers: Ensures your money goes to the exact intended recipient’s bank and branch without misdirection.
• Faster Processing: Facilitates quick and efficient processing of NEFT, RTGS, and IMPS transactions.
• Enhanced Security: Reduces the risk of fraud or errors in electronic fund transfers.
• Seamless Online Banking: Essential for setting up beneficiaries and initiating transfers through internet or mobile banking platforms.
• Standardized Identification: Provides a universal standard for identifying bank branches across India.
• Easy Verification: Helps in verifying the authenticity of bank details provided by others for transactions.

Contact Information

For any inquiries related to the KADIRGANJ branch of Bihar Gramin Bank, or the bank in general, you can use the following contact details:

• KADIRGANJ Branch Phone Number: 9771464285
• KADIRGANJ Branch Address: KADIRGANJ, Nawada, 805104, Bihar
• Bihar Gramin Bank Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number for Bihar Gramin Bank: 18001807777

FAQs

Here are answers to some common questions about IFSC codes and Bihar Gramin Bank:

Q: Is the IFSC code PUNB0MBGB06 only for the KADIRGANJ branch?

A: No, while the last six characters “MBGB06” specifically identify the KADIRGANJ branch, the first five characters “PUNB0” are common across many branches of Bihar Gramin Bank as it’s sponsored by Punjab National Bank.

Q: What should I do if I use an old IFSC code for a merged bank?

A: If you use an old IFSC code, your transaction will likely fail. The bank’s system will not recognize the old code, and the money will not be transferred. Always ensure you use the current and valid IFSC code, which for KADIRGANJ branch of Bihar Gramin Bank is PUNB0MBGB06.

Q: Is the IFSC code mandatory for all bank transactions?

A: The IFSC code is mandatory for electronic fund transfers like NEFT, RTGS, and IMPS. It is not typically required for cash deposits or withdrawals directly at the bank counter, but it helps when filling out slips or forms.

Q: Where can I find the correct IFSC code for any branch?

A: You can find the correct IFSC code on your bank’s passbook, cheque book, or by visiting the official website of Bihar Gramin Bank or the Reserve Bank of India (RBI). Online banking portals also display the IFSC code for branches.

Q: Can I use the KADIRGANJ branch’s IFSC code for other Bihar Gramin Bank branches?

A: No, each branch has its unique IFSC code (specifically, the last six characters change). While the first five characters might be the same for other Bihar Gramin Bank branches, you must use the exact IFSC code for the specific branch where the beneficiary’s account is held.