Bihar Gramin Bank Kalyanpur IFSC Code

In the vibrant region of Kalyanpur, East Champaran, Bihar, accessing banking services efficiently is key for residents and businesses alike. When you need to send or receive money electronically, especially through systems like NEFT, RTGS, or IMPS, a unique code called the Indian Financial System Code (IFSC) becomes essential. This code acts like a digital address, ensuring your funds reach the correct bank and branch without any mix-ups, making your financial transactions smooth and secure.

Branch Details Table

Bank Name	Bihar Gramin Bank
Branch Name	Kalyanpur
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	100190
Branch Address	Kalyanpur, EAST CHAMPARAN, 845413, 9297955706
Contact Number	9297955706
City	EAST CHAMPARAN
District	EAST CHAMPARAN
Reason	MOTIHARI
Pincode	845413
State	Bihar

Merger Update

It’s important to know that Bihar Gramin Bank, which now serves you, was formed by the merger of two earlier regional rural banks: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). This consolidation brought banking services under a unified structure, sponsored by Punjab National Bank.

Following this merger, all branches of the former UBGB and DBGB now operate under the name Bihar Gramin Bank. Critically, their old IFSC codes have been revoked. For any electronic fund transfer to or from the Kalyanpur branch of Bihar Gramin Bank, or any other branch of this bank, you must use the new, standardized IFSC code: PUNB0MBGB06. Using any old IFSC code for transactions will result in failure, so always double-check to ensure you’re using the correct, updated code.

What is IFSC Code?

The IFSC, or Indian Financial System Code, is a unique 11-character alphanumeric code. It’s used to identify every bank branch participating in online money transfers within India. Think of it as a specific postal code for financial transactions.

The structure of the IFSC code is straightforward:

• The first four characters represent the bank itself. For example, in PUNB0MBGB06, “PUNB” stands for Punjab National Bank, the sponsor bank of Bihar Gramin Bank.
• The fifth character is always a “0” (zero). This is a control character reserved for future use.
• The last six characters identify the specific branch. In PUNB0MBGB06, “MBGB06” uniquely points to the Kalyanpur branch.

Knowing this structure helps you understand how the code works and confirm its validity.

How to Use IFSC Code

Using the IFSC code is a key step for several common electronic fund transfer methods:

• NEFT (National Electronic Funds Transfer): For NEFT, you typically log into your internet banking portal or visit your bank. When adding a new beneficiary, you’ll need their bank name (Bihar Gramin Bank), their account number, and the specific IFSC code (PUNB0MBGB06) for their Kalyanpur branch. This system processes transfers in batches, usually within a few hours during banking hours.
• RTGS (Real Time Gross Settlement): RTGS is similar to NEFT but designed for larger value transactions, typically Rs. 2 lakh and above. The process is almost identical: enter the beneficiary’s bank, account number, and the IFSC code (PUNB0MBGB06). RTGS transactions are processed individually and in real-time, meaning funds are settled immediately.
• IMPS (Immediate Payment Service): IMPS offers instant, 24/7 fund transfers, even on holidays. You can use it via mobile banking apps or internet banking. To send money using IMPS, you’ll need the beneficiary’s mobile number, their MMID (Mobile Money Identifier), or simply their account number and the correct IFSC code (PUNB0MBGB06). The funds are credited to the recipient’s account almost instantly.

In all these methods, accurately entering the IFSC code is vital to ensure your money reaches the correct person at the Kalyanpur branch of Bihar Gramin Bank.

Benefits of Knowing Your IFSC Code

Understanding and having the correct IFSC code for your branch, like Kalyanpur, offers several practical advantages:

• Secure Fund Transfers: It ensures your money goes to the exact intended bank branch, minimizing errors and enhancing transaction security.
• Faster Processing: Correct IFSC codes enable the banking system to route funds quickly, leading to quicker crediting of money to the recipient’s account.
• Branch Identification: It acts as a unique identifier for a specific branch, making it easy for the banking system to differentiate between thousands of branches across India.
• Online Banking Essential: It’s a mandatory requirement for setting up beneficiaries and executing online transactions via internet banking and mobile banking platforms.
• Convenience: Knowing the code saves you time and hassle, as you won’t need to search for it every time you initiate a transfer.

Contact Section

For any banking inquiries related to the Kalyanpur branch of Bihar Gramin Bank, or for general assistance, you can use the following contact details:

• Branch Phone Number: 9297955706
• Branch Address: Kalyanpur, EAST CHAMPARAN, 845413, Bihar
• Bihar Gramin Bank Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number (Punjab National Bank Sponsor): 18001807777

FAQs

Q1: What exactly is an IFSC code and why is it important for Bihar Gramin Bank Kalyanpur branch?
A1: An IFSC (Indian Financial System Code) is a unique 11-character code that identifies every bank branch in India involved in online money transfers. For the Kalyanpur branch of Bihar Gramin Bank, its specific IFSC code (PUNB0MBGB06) is crucial because it ensures that when you send money via NEFT, RTGS, or IMPS, your funds are routed precisely to this particular branch, preventing delays or misdirection of funds.

Q2: Can I still use an old IFSC code if my account was with Uttar Bihar Gramin Bank or Dakshin Bihar Gramin Bank before the merger?
A2: No, you cannot. After the merger of Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) into Bihar Gramin Bank, all old IFSC codes belonging to those former entities have been revoked. You must use the new, unified IFSC code, which is PUNB0MBGB06 for the Kalyanpur branch, for all electronic transactions. Using an old code will cause your transaction to fail.

Q3: What do the different parts of the IFSC code PUNB0MBGB06 mean?
A3: The IFSC code PUNB0MBGB06 breaks down as follows: “PUNB” represents Punjab National Bank, which is the sponsor bank for Bihar Gramin Bank. The fifth character, “0,” is a control digit and is always zero. The last six characters, “MBGB06,” uniquely identify the Kalyanpur branch of Bihar Gramin Bank.

Q4: Is the IFSC code needed for all types of bank transfers?
A4: The IFSC code is specifically required for electronic fund transfers like NEFT (National Electronic Funds Transfer), RTGS (Real Time Gross Settlement), and IMPS (Immediate Payment Service). For cash deposits or withdrawals directly at the branch, or for cheque-based transactions within the same bank, the IFSC code is not typically needed, but it’s essential for any online interbank transfers.

Q5: How can I double-check if the IFSC code for Bihar Gramin Bank Kalyanpur is correct before making a transaction?
A5: You can verify the IFSC code in several ways: always confirm it with the recipient, check the bank’s official website, or refer to your bank passbook or cheque book (though for merged banks, these might have old codes). The most reliable source for Bihar Gramin Bank is often the official Punjab National Bank website or a reliable online IFSC code lookup tool. For Kalyanpur, the correct code is PUNB0MBGB06.