The Bihar Gramin Bank branch in Kasma is located in the Aurangabad district of Bihar. To transfer money to an account at this branch, you need a specific code called the Indian Financial System Code (IFSC). This 11-character code is essential for all online fund transfers, including National Electronic Funds Transfer (NEFT), Real-Time Gross Settlement (RTGS), and Immediate Payment Service (IMPS). It acts like a unique address, ensuring your money reaches the correct bank branch without any errors.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | KASMA |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 7109 |
| Branch Address | KASMA, Aurangabad, 824125 |
| Contact Number | 9771464109 |
| City | Aurangabad |
| District | Aurangabad |
| Region | AURANGABAD |
| Pincode | 824125 |
| State | Bihar |
Important Merger Update
Bihar Gramin Bank was formed by merging two regional rural banks: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). Following this amalgamation, the banking operations are now sponsored by Punjab National Bank (PNB).
As a result, all branches of the newly formed Bihar Gramin Bank, including the Kasma branch, use a single, unified IFSC code: PUNB0MBGB06. The old IFSC codes previously used by UBGB and DBGB branches are no longer valid and have been discontinued. Using an old code will cause your transaction to fail. For any fund transfer to any Bihar Gramin Bank branch, you must use the new, correct IFSC code.
What is an IFSC Code?
The IFSC is an 11-character alphanumeric code that uniquely identifies a bank branch participating in the NEFT system. The Reserve Bank of India (RBI) assigns these codes to ensure the accuracy of electronic fund transfers.
The structure of the code PUNB0MBGB06 can be broken down as follows:
- PUNB: The first four letters represent the name of the sponsor bank, which is Punjab National Bank.
- 0: The fifth character is always a zero. It is reserved for future use.
- MBGB06: The last six characters identify the bank. In this case, it is a unified code for all branches of the former Madhya Bihar Gramin Bank (which became Dakshin Bihar Gramin Bank and now Bihar Gramin Bank).
How to Use the IFSC Code for Fund Transfers
Using the IFSC code for an online money transfer is a straightforward process. Whether you are using your bank’s mobile app or internet banking portal, the steps are generally the same.
1. Add a Beneficiary: Log in to your net banking or mobile banking account and navigate to the “Fund Transfer” section. You will need to add the recipient as a “beneficiary” first.
2. Enter Details: You will be asked to provide the following information for the person or account you want to send money to:
- Beneficiary’s Full Name (as per their bank account)
- Beneficiary’s Account Number
- Bank Name: Bihar Gramin Bank
- IFSC Code: PUNB0MBGB06
3. Verify and Confirm: Double-check that all the details, especially the account number and IFSC code, are correct. Once confirmed, you can proceed to transfer funds using NEFT, RTGS, or IMPS.
Benefits of Using the IFSC Code
- Accuracy: The code ensures that your funds are sent to the exact bank and branch, eliminating the risk of misdirected payments.
- Security: It adds a layer of verification to electronic transactions, making them more secure.
- Efficiency: IFSC codes enable automated processing of transfers, which makes services like NEFT, RTGS, and IMPS fast and reliable.
- Nationwide Reach: It facilitates smooth inter-bank transactions anywhere in India.
Contact Information
For any specific queries, you can contact the branch directly or reach out to the head office.
Kasma Branch
Phone: 9771464109
Address: KASMA, Aurangabad, Bihar – 824125
Bihar Gramin Bank Head Office
Address: Shri Vishnu Commercial Complex, Asochak, Patna – 800030, Bihar
Toll-Free Number: 1800-180-7777
Frequently Asked Questions
1. Is PUNB0MBGB06 the IFSC code for only the Kasma branch?
No. After the merger of regional rural banks in Bihar, PUNB0MBGB06 became the single, centralized IFSC code for all branches of Bihar Gramin Bank.
2. What happens if I use an old IFSC code from Dakshin Bihar Gramin Bank?
If you use an old, discontinued IFSC code, your transaction will be rejected. You must use the new code to ensure the transfer is successful.
3. What is the difference between an IFSC code and a MICR code?
The IFSC code is used for online fund transfers like NEFT and RTGS. The MICR (Magnetic Ink Character Recognition) code is a 9-digit code found on the bottom of a cheque leaf and is used for the faster processing of cheques.
4. Where can I find the IFSC code for my branch?
The IFSC code is printed on the chequebooks and passbooks issued by the bank. You can also find it on your bank’s official website or by contacting customer support.
5. Do I need an IFSC code for a UPI transaction?
No, you do not need an IFSC code for standard UPI payments made to a VPA (Virtual Payment Address) or by scanning a QR code. However, if you are adding a bank account to your UPI app using the “Account Number + IFSC” method, you will need to provide it.
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.