Bihar Gramin Bank Kanhauli-Ii IFSC Code

The Bihar Gramin Bank’s Kanhauli-Ii branch is located in SIWAN, Bihar. This specific branch, like all others, uses a unique code called the Indian Financial System Code (IFSC). An IFSC code is crucial for any electronic fund transfers. Whether you are sending money through NEFT, RTGS, or IMPS, this code ensures your funds reach the correct bank and the right branch, making your transactions safe and accurate.

Branch Details Table

Bank Name	Bihar Gramin Bank
Branch Name	Kanhauli-Ii
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	100663
Branch Address	Kanhauli-Ii, SIWAN, 841235
Contact Number	9297954478
City	SIWAN
District	SIWAN
Region	SIWAN
Pincode	841235
State	Bihar

Merger Update Section

Bihar Gramin Bank, which the Kanhauli-Ii branch belongs to, was formed through important mergers of regional rural banks in Bihar. This includes entities that eventually led to the current structure, alongside banks like the erstwhile Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) that also underwent consolidation. Today, all branches of Bihar Gramin Bank operate under the sponsorship of Punjab National Bank.

This means they use a unified IFSC code, PUNB0MBGB06, for all electronic fund transfers. If you previously had accounts with or performed transactions for banks like UBGB or DBGB, their old IFSC codes are now revoked. These old codes are no longer valid. You must use only the new, standardized IFSC code, PUNB0MBGB06, for any transactions to or from the Kanhauli-Ii branch or any other Bihar Gramin Bank branch.

What is IFSC Code?

IFSC stands for Indian Financial System Code. It is a unique 11-character alphanumeric code. The Reserve Bank of India (RBI) assigns these codes to identify each bank branch in India. This ensures that money sent through electronic transfers goes to the correct destination.

• The first four characters identify the bank. For example, PUNB stands for Punjab National Bank, which is the sponsor bank for Bihar Gramin Bank.
• The fifth character is always a zero (0). This digit is reserved for future use.
• The last six characters identify the specific branch. For the Kanhauli-Ii branch, these are MBGB06. These six characters are unique to this particular branch.

How to Use IFSC Code

You will need the IFSC code when you want to transfer money electronically using systems like NEFT, RTGS, or IMPS. Here’s a simple guide:

1. Log in to your banking service: Access your net banking portal or mobile banking application.
2. Select fund transfer: Choose the option to transfer funds.
3. Add beneficiary (if new): If you are sending money to someone for the first time, you will need to add them as a beneficiary. This usually involves entering their name, account number, and the recipient’s bank’s IFSC code.
4. Choose transfer type: Select NEFT, RTGS, or IMPS based on your preference and the amount you wish to transfer.
5. Enter details: Input the beneficiary’s account number, confirm the bank name (Bihar Gramin Bank), and enter the IFSC code PUNB0MBGB06 for the Kanhauli-Ii branch.
6. Enter amount and confirm: Type in the amount you want to send and confirm all the details before proceeding with the transaction.

Benefits of Knowing Your IFSC Code

Knowing the correct IFSC code for your bank or for someone you are sending money to offers several advantages:

• Accurate Transfers: It ensures that your money reaches the right bank and the exact branch without errors.
• Faster Processing: Electronic transfers using IFSC codes are processed quickly, often within minutes or a few hours.
• Enhanced Security: The unique identification helps prevent fraudulent transactions by directing funds to verified branches.
• Enables Online Banking: It is essential for using modern banking facilities like net banking and mobile apps for transfers.
• Mandatory for Electronic Payments: You cannot perform NEFT, RTGS, or IMPS transactions without a valid IFSC code.

Contact Information

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

• Kanhauli-Ii Branch Phone Number: 9297954478
• Kanhauli-Ii Branch Address: Kanhauli-Ii, SIWAN, 841235
• Bihar Gramin Bank Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number: 18001807777

Frequently Asked Questions (FAQs)

Q1: What do the parts of PUNB0MBGB06 represent?
A: In PUNB0MBGB06, the first four characters “PUNB” identify Punjab National Bank as the sponsor bank. The fifth character is always ‘0’. The last six characters “MBGB06” specifically identify the Kanhauli-Ii branch of Bihar Gramin Bank.

Q2: Is the IFSC code the same for all Bihar Gramin Bank branches?
A: No. While the first five characters (“PUNB0”) might be common across many branches sponsored by Punjab National Bank, the last six characters are unique to each specific branch. This means the Kanhauli-Ii branch has a distinct IFSC code from other Bihar Gramin Bank branches.

Q3: Can I use an old IFSC code if I previously dealt with UBGB or DBGB?
A: No, you should not use any old IFSC codes from former banks like Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB). After mergers, all branches of Bihar Gramin Bank now use the unified IFSC code PUNB0MBGB06 for this branch. Old codes are no longer valid for electronic transfers.

Q4: Why is the fifth character in an IFSC code always zero?
A: The fifth character in an IFSC code is kept as ‘0’ (zero) by the Reserve Bank of India. This is a standard practice and is reserved for future use. It acts as a placeholder, allowing for potential changes or expansions in the IFSC code structure later on, if needed.

Q5: What is the main difference between NEFT and RTGS fund transfers?
A: The main difference lies in processing time and transaction limits. NEFT (National Electronic Funds Transfer) processes transactions in batches, so funds are settled periodically. There is generally no minimum or maximum amount. RTGS (Real Time Gross Settlement) processes transactions individually and in real-time, meaning the transfer is almost immediate. RTGS usually has a minimum transaction amount, often 2 lakhs INR or more.