Bihar Gramin Bank KUJAPI IFSC Code

Welcome to KUJAPI, a part of the Gaya district in Bihar. When you need to send or receive money electronically, understanding your bank’s Indian Financial System Code, or IFSC code, is very important. This unique code helps identify specific bank branches for transactions like National Electronic Funds Transfer (NEFT), Real Time Gross Settlement (RTGS), and Immediate Payment Service (IMPS). Using the correct IFSC code ensures your money reaches the right account without any delays or errors.

Branch Details Table

Bank Name	Bihar Gramin Bank
Branch Name	KUJAPI
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	7246
Branch Address	KUJAPI, Gaya, 823002, 9771464246
Contact Number	9771464246
City	Gaya
District	Gaya
Reason	GAYA
Pincode	823002
State	Bihar

Merger Update Section

Bihar Gramin Bank was formed after the merger of Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). This created a unified rural bank to serve the regions of Bihar more effectively. Since its formation, Bihar Gramin Bank has been sponsored by Punjab National Bank. This sponsorship means that all its IFSC codes begin with the prefix “PUNB0,” followed by digits specific to Bihar Gramin Bank and its branches. For the KUJAPI branch, the valid IFSC code is PUNB0MBGB06.

It is crucial to understand that any old IFSC codes previously used for Uttar Bihar Gramin Bank or Dakshin Bihar Gramin Bank are now invalid. For any financial transactions to or from Bihar Gramin Bank branches, including KUJAPI, you must always use the new and unified IFSC code that starts with “PUNB0”. Using an old or incorrect code will cause your transaction to fail.

What is IFSC Code?

The IFSC code is an 11-character alphanumeric code that uniquely identifies every bank branch participating in online fund transfers. It acts like a digital address for your bank branch.

• The first four characters identify the bank itself. For example, “PUNB” stands for Punjab National Bank, the sponsoring bank for Bihar Gramin Bank.
• The fifth character is always a ‘0’ (zero). This character is reserved for future use and helps keep the code standardized.
• The last six characters identify the specific branch. For the KUJAPI branch, these are “MBGB06”. These characters are unique to that particular branch within the bank.

Understanding this structure helps you verify the code and ensure it matches the bank and branch you intend to send money to.

How to Use IFSC Code

Using the IFSC code is simple and essential for most modern bank transfers. Here are the general steps:

1. Log In: Access your net banking portal, mobile banking app, or visit your bank branch to initiate a fund transfer.
2. Choose Transfer Type: Select the type of electronic fund transfer you wish to make: NEFT, RTGS, or IMPS.
3. Add Beneficiary: If you haven’t already, you’ll need to add the recipient’s details. This typically includes their full name, account number, and the crucial IFSC code for their specific bank branch.
4. Enter Amount: Input the amount of money you wish to transfer.
5. Review and Confirm: Double-check all the details, especially the account number and IFSC code. A small mistake can lead to funds being sent to the wrong person. Once confirmed, authorize the transaction.

The system uses the IFSC code to route your payment accurately to the correct recipient bank and branch.

Benefits of Knowing Your IFSC Code

Knowing and using the correct IFSC code offers several important benefits:

• Accurate Fund Transfers: It ensures your money goes to the exact bank and branch you intend, minimizing errors.
• Faster Processing: The automated system uses IFSC codes to quickly process NEFT, RTGS, and IMPS transactions.
• Enables Online Banking: Without an IFSC code, you cannot conduct electronic fund transfers through internet banking or mobile apps.
• Prevents Misdirection of Funds: It acts as a unique identifier, preventing your money from being sent to an incorrect or non-existent bank branch.
• Standardized Identification: Provides a universal way to identify any bank branch in India involved in electronic payments.

Contact Section

For any queries or assistance related to the KUJAPI branch of Bihar Gramin Bank, you can use the following contact details:

• Branch Phone Number: 9771464246
• Branch Address: KUJAPI, Gaya, 823002
• Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number: 18001807777

FAQs Section

Here are some frequently asked questions about IFSC codes:

Q1: What does IFSC stand for?
A1: IFSC stands for Indian Financial System Code. It is a unique code used for electronic fund transfers in India.

Q2: Is the IFSC code mandatory for all bank transfers?
A2: The IFSC code is mandatory for all electronic fund transfers through NEFT, RTGS, and IMPS. For cash deposits or withdrawals at a branch, it is not required.

Q3: Can I use an old IFSC code for a Bihar Gramin Bank transaction?
A3: No, old IFSC codes for Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB) are no longer valid. You must use the current IFSC code, which starts with “PUNB0,” for all transactions with Bihar Gramin Bank.

Q4: How can I find the IFSC code for other bank branches?
A4: You can usually find the IFSC code printed on your bank passbook or cheque leaf. It is also available on the official website of your bank, through your mobile banking app, or by contacting your branch directly.

Q5: What is the main difference between NEFT, RTGS, and IMPS?
A5: All three use the IFSC code for transfers. NEFT processes transactions in batches, typically within a few hours. RTGS is for high-value transfers (usually above ₹2 lakh) and processes them individually and in real-time. IMPS allows instant, 24/7 transfers for smaller amounts, even on holidays.