Bihar Gramin Bank Kishanpur IFSC Code

Welcome to the details page for Bihar Gramin Bank’s Kishanpur branch. This branch is located in Supaul district, Bihar. When you need to transfer money electronically, whether it’s for a small amount or a large one, understanding the Indian Financial System Code (IFSC) is crucial. This unique code ensures that your funds reach the correct bank and branch without any delays through systems like NEFT, RTGS, and IMPS.

Branch Details

Bank Name	Bihar Gramin Bank
Branch Name	Kishanpur
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	100703
Branch Address	Kishanpur, SUPAUL, 852219, 9297954249
Contact Number	9297954249
City	SUPAUL
District	SUPAUL
Reason	SAHARSA
Pincode	852219
State	Bihar

Merger Update

Bihar Gramin Bank is a Regional Rural Bank that was formed through the amalgamation of several other banks, including Uttar Bihar Gramin Bank (UBGB) and Madhya Bihar Gramin Bank. It now operates under the sponsorship of Punjab National Bank (PNB). This means that all branches, including Kishanpur, use new IFSC codes structured under PNB’s sponsorship. The IFSC code PUNB0MBGB06 is the currently valid code for the Bihar Gramin Bank, Kishanpur branch. Any older IFSC codes, especially those previously used by Uttar Bihar Gramin Bank branches, have been revoked and are no longer valid for transactions. Always use the new, updated IFSC code for all your fund transfers to ensure they are processed correctly.

What is an IFSC Code?

The IFSC, or Indian Financial System Code, is an 11-character alphanumeric code. It’s unique to each bank branch participating in online fund transfers. This code helps identify the specific bank branch for NEFT, RTGS, and IMPS transactions.

• The first four characters represent the bank name. For Bihar Gramin Bank sponsored by PNB, this is usually “PUNB”.
• The fifth character is always a “0” (zero). This is kept for future use.
• The last six characters identify the specific branch. For Kishanpur, these are “MBGB06”.

How to Use the IFSC Code

You’ll need the IFSC code when initiating online fund transfers. Here’s how it’s used for common transaction types:

For NEFT (National Electronic Funds Transfer)

NEFT is a nation-wide electronic fund transfer system. It processes transactions in batches throughout the day. To use NEFT:

1. Log in to your bank’s online banking portal or mobile app.
2. Select the ‘NEFT’ option for fund transfer.
3. Add the beneficiary (the person you’re sending money to) if not already added.
4. You’ll need the beneficiary’s name, account number, bank name, and the correct IFSC code (PUNB0MBGB06 for Kishanpur branch).
5. Enter the amount you wish to transfer and confirm the details.

For RTGS (Real Time Gross Settlement)

RTGS is designed for large-value transactions. Funds are transferred individually and in real-time. To use RTGS:

1. Access your bank’s online banking.
2. Choose the ‘RTGS’ transfer option.
3. Enter the beneficiary’s details: name, account number, bank name, and the correct IFSC code (PUNB0MBGB06).
4. Specify the amount. Note that RTGS usually has a minimum transfer limit, often Rs. 2 lakh.
5. Review and confirm the transaction.

For IMPS (Immediate Payment Service)

IMPS allows instant, 24/7 fund transfers, even on holidays. To use IMPS:

1. Open your bank’s mobile banking app or internet banking.
2. Select the ‘IMPS’ transfer option.
3. Provide the beneficiary’s mobile number and MMID (Mobile Money Identifier) or their account number and the correct IFSC code (PUNB0MBGB06).
4. Enter the amount.
5. Verify the details and proceed with the transfer. The funds are credited almost instantly.

Benefits of Knowing Your IFSC Code

Knowing the correct IFSC code for Bihar Gramin Bank, Kishanpur branch, offers several advantages:

• Accurate Transfers: It ensures your money goes to the exact branch and account you intend, preventing misdirected funds.
• Faster Processing: Correct IFSC codes enable quick processing of NEFT, RTGS, and IMPS transactions.
• Security: It adds an extra layer of verification, making online transactions safer.
• Convenience: Facilitates hassle-free online banking from anywhere, anytime.
• Mandatory for Online Transfers: It’s a required piece of information for all electronic fund transfers in India.

Contact Information

• Kishanpur Branch Phone Number: 9297954249
• Kishanpur Branch Address: Kishanpur, SUPAUL, 852219, Bihar
• Bihar Gramin Bank Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number: 18001807777

Frequently Asked Questions

Here are some common questions about IFSC codes:

Q1: What is the IFSC code for Bihar Gramin Bank Kishanpur branch?
A1: The IFSC code for Bihar Gramin Bank, Kishanpur branch, is PUNB0MBGB06.

Q2: Is an IFSC code required for all bank transfers?
A2: Yes, an IFSC code is mandatory for all inter-bank electronic fund transfers within India, including NEFT, RTGS, and IMPS. It is not needed for transfers between accounts in the same branch or same bank, but it’s often still useful to have.

Q3: How can I verify if an IFSC code is correct?
A3: You can verify an IFSC code through your bank’s official website, mobile app, or by contacting customer service. You can also find it on your cheque book or bank passbook. It’s always best to cross-check before making a transaction.

Q4: What happens if I use an incorrect IFSC code?
A4: If you enter an incorrect IFSC code, your transaction will likely fail and be returned to your account. In rare cases, if the incorrect code belongs to another valid branch, your funds might be transferred to the wrong account. Always double-check the code to avoid such issues.

Q5: Does the MICR code serve the same purpose as the IFSC code?
A5: No, the MICR (Magnetic Ink Character Recognition) code is different from the IFSC code. The MICR code is a 9-digit numerical code used mainly for processing cheques and clearing purposes. It identifies the bank and branch. The IFSC code, on the other hand, is specifically for electronic fund transfers like NEFT, RTGS, and IMPS.