Bihar Gramin Bank Kopa IFSC Code

Understanding your bank’s details, especially the IFSC code, is key for smooth financial transactions. This guide focuses on the Bihar Gramin Bank branch located in Kopa, within the Saran district of Bihar. The Indian Financial System Code (IFSC) is a unique 11-character identifier crucial for various digital fund transfers, including National Electronic Funds Transfer (NEFT), Real-Time Gross Settlement (RTGS), and Immediate Payment Service (IMPS). Knowing this code ensures your money reaches the correct recipient quickly and securely, making banking convenient and reliable.

Branch Details

Here are the essential details for the Bihar Gramin Bank, Kopa branch:

Bank Name	Bihar Gramin Bank
Branch Name	Kopa
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	100557
Branch Address	Kopa, SARAN, 841415, 9297955245
Contact Number	9297955245
City	SARAN
District	SARAN
Reason	CHAPRA
Pincode	841415
State	Bihar

Merger Update

The Kopa branch, now part of Bihar Gramin Bank, uses the IFSC code PUNB0MBGB06. This is important because Bihar Gramin Bank was formed through the merger of Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). Both UBGB and DBGB have merged to create Bihar Gramin Bank. All their branches, including Kopa, now operate under this single, unified IFSC code, which is sponsored by Punjab National Bank.

If you previously used an IFSC code for a branch that was part of UBGB or DBGB, those old codes are no longer valid for transactions. You must now use PUNB0MBGB06 for all fund transfers related to Bihar Gramin Bank branches.

What is an IFSC Code?

The Indian Financial System Code (IFSC) is an 11-character alphanumeric code. It uniquely identifies every bank branch in India participating in the NEFT, RTGS, and IMPS systems. Think of it like a specific address for a bank branch in the digital world. The code is structured in a clear way:

• The first four characters represent the bank’s name. For Bihar Gramin Bank’s Kopa branch, “PUNB” indicates Punjab National Bank, the sponsor bank.
• The fifth character is always a zero (0). This character is reserved for future use and helps distinguish the bank code from the branch code.
• The last six characters identify the specific branch. For the Kopa branch, “MBGB06” points directly to this particular location.

So, PUNB0MBGB06 breaks down to: PUNB (Punjab National Bank) + 0 (filler) + MBGB06 (Kopa branch identifier for Bihar Gramin Bank).

How to Use the IFSC Code

Using the IFSC code is a straightforward process when you want to send money digitally. Here’s how it generally works for common transfer methods:

1. Gather Recipient Details: You will need the recipient’s full name, account number, account type (savings or current), the bank’s name (Bihar Gramin Bank), and the branch name (Kopa).
2. Input IFSC Code: When you initiate a fund transfer via NEFT, RTGS, or IMPS through online banking or a mobile app, you will be prompted to enter the recipient’s IFSC code. For the Kopa branch, this is PUNB0MBGB06.
3. Select Transfer Type: Choose the appropriate transfer method (NEFT, RTGS, or IMPS) based on the amount and urgency of the transfer.
4. Confirm Details: Double-check all entered information, especially the account number and IFSC code, to avoid errors. An incorrect IFSC code can lead to delays or money being sent to the wrong account.

Always verify the IFSC code with the recipient or their bank statement before making a transfer.

Benefits of Knowing Your IFSC Code

Having the correct IFSC code at hand offers several advantages for banking:

• Facilitates Digital Transfers: It is essential for sending and receiving money through NEFT, RTGS, and IMPS, enabling quick and efficient transactions.
• Ensures Accuracy: The unique code helps direct funds to the exact bank and branch, minimizing the risk of errors and misdirected payments.
• Saves Time: With the correct IFSC, you can complete transactions quickly from home or on the go, without needing to visit a physical bank branch.
• Increases Security: The system relies on accurate codes to ensure funds are handled securely within the banking network.
• Widely Accepted: All major banks and financial institutions in India use the IFSC system, making it a universal standard for interbank transfers.

Contact Information

For inquiries or assistance regarding the Bihar Gramin Bank, Kopa branch, or the bank’s head office, you can use the following contact details:

• Kopa Branch Phone Number: 9297955245
• Kopa Branch Address: Kopa, SARAN, 841415
• Bihar Gramin Bank Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Bihar Gramin Bank Toll-Free Number: 18001807777

Frequently Asked Questions (FAQs)

Q1: What does PUNB0MBGB06 stand for?
A1: PUNB0MBGB06 is the Indian Financial System Code (IFSC) for the Bihar Gramin Bank, Kopa branch. “PUNB” represents Punjab National Bank, its sponsor. The “0” is a reserved character, and “MBGB06” identifies the specific Kopa branch.

Q2: Is the Kopa branch still functional after the bank merger?
A2: Yes, the Kopa branch is fully functional. It is now part of Bihar Gramin Bank, which was formed by the merger of Uttar Bihar Gramin Bank and Dakshin Bihar Gramin Bank. The branch operates under the new, unified IFSC code PUNB0MBGB06.

Q3: Can I use an old IFSC code for Bihar Gramin Bank?
A3: No, if you had an old IFSC code for a branch that was previously under Uttar Bihar Gramin Bank or Dakshin Bihar Gramin Bank, it is no longer valid. You must use the new unified IFSC code, PUNB0MBGB06, for all transactions related to Bihar Gramin Bank branches, including Kopa.

Q4: What is the MICR code for Bihar Gramin Bank Kopa branch?
A4: The MICR (Magnetic Ink Character Recognition) code for the Bihar Gramin Bank, Kopa branch, is 800811002. This code is primarily used for processing cheques.

Q5: Why is the fifth character of the IFSC code always ‘0’?
A5: The fifth character of an IFSC code is always zero (0). It acts as a control character and is kept for future use. It helps distinguish the bank identifier from the specific branch identifier within the 11-character code.