Bihar Gramin Bank Kumarbagh IFSC Code

The Bihar Gramin Bank branch in Kumarbagh is located in the West Champaran district of Bihar, India. When you need to transfer funds electronically, understanding the Indian Financial System Code (IFSC) is very important. This unique 11-character code is essential for all major online money transfer methods, including NEFT, RTGS, and IMPS. It ensures your money goes to the correct bank and branch swiftly and securely.

Branch Details Table

Bank Name	Bihar Gramin Bank
Branch Name	Kumarbagh
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	100271
Branch Address	Kumarbagh, WEST CHAMPARAN, 845450, 9297955737
Contact Number	9297955737
City	WEST CHAMPARAN
District	WEST CHAMPARAN
Main Town/Reason	BETTIAH
Pincode	845450
State	Bihar

Merger Update

Bihar Gramin Bank was formed from the merger of Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). Both of these banks previously had their own unique IFSC codes. However, after the merger, all branches, including Kumarbagh, now operate under a single, unified IFSC code: PUNB0MBGB06. This new code is aligned with Punjab National Bank (PNB), which is the sponsor bank for Bihar Gramin Bank.

It is crucial to understand that all old IFSC codes belonging to UBGB and DBGB have been revoked. They are no longer valid for any financial transactions. For any online fund transfer to or from the Kumarbagh branch of Bihar Gramin Bank, you must use the updated IFSC code PUNB0MBGB06. Using an old or incorrect code will cause your transaction to fail.

What is an IFSC Code?

The IFSC Code stands for Indian Financial System Code. It is an 11-character alphanumeric code that uniquely identifies every bank branch in India participating in online fund transfers. The Reserve Bank of India (RBI) assigns these codes to help streamline electronic transactions.

The structure of the IFSC code is straightforward:

• The first four characters represent the bank name. For example, in PUNB0MBGB06, “PUNB” indicates Punjab National Bank, the sponsor bank.
• The fifth character is always a zero (0). This character is a control digit, reserved for future use.
• The last six characters identify the specific branch. In PUNB0MBGB06, “MBGB06” uniquely points to the Kumarbagh branch of Bihar Gramin Bank.

How to Use an IFSC Code

The IFSC code is a mandatory detail when you want to send money electronically using services like NEFT, RTGS, or IMPS. Here’s a quick guide on how to use it:

1. Gather Beneficiary Details: Before starting a transfer, you will need the beneficiary’s full name, their bank account number, and the correct IFSC code for their specific branch.
2. Access Your Online Banking or Mobile App: Log in to your bank’s internet banking portal or mobile application.
3. Select Transfer Type: Choose the type of transfer you wish to make:
   • NEFT (National Electronic Funds Transfer): This service processes transactions in batches during specific hours. It’s suitable for various transfer amounts.
   • RTGS (Real Time Gross Settlement): This is for high-value transactions, typically above ₹2 lakhs. Funds are transferred individually and in real-time.
   • IMPS (Immediate Payment Service): This is an instant, 24/7 service that can be used for smaller amounts.
4. Add Beneficiary (If New): If you haven’t transferred money to this person before, you will need to add them as a beneficiary. This usually involves entering their account number, name, and the IFSC code.
5. Initiate Transfer: Once the beneficiary is added or selected, enter the amount you wish to send. The system will use the IFSC code to route the money correctly.
6. Confirm Details: Always double-check all the details, especially the account number and IFSC code, before confirming the transfer. An incorrect IFSC code will lead to a failed transaction.

Benefits of Knowing Your IFSC Code

Knowing the correct IFSC code for your bank branch, and for anyone you are sending money to, offers several important benefits:

• Unique Identification: It uniquely identifies each bank branch, ensuring money goes to the right place.
• Faster and Secure Transfers: It helps in quickly routing electronic funds, making NEFT, RTGS, and IMPS transactions efficient and secure.
• Error Reduction: Using the correct IFSC code minimizes the chances of errors during online transfers, preventing delays or misdirected funds.
• Mandatory for Online Banking: It is a compulsory detail for setting up online fund transfers to other bank accounts.
• Accessibility: It allows you to send and receive money from any bank across India, bridging geographical distances.

Contact Section

For inquiries related to the Kumarbagh branch of Bihar Gramin Bank, or for general banking assistance, you can use the following contact details:

• Kumarbagh Branch Phone Number: 9297955737
• Kumarbagh Branch Address: Kumarbagh, WEST CHAMPARAN, 845450
• Bihar Gramin Bank Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Customer Care Number: 18001807777

FAQs

Here are some common questions about the IFSC code for Bihar Gramin Bank, Kumarbagh branch:

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

Q2: Is the old Uttar Bihar Gramin Bank (UBGB) IFSC code still valid for transactions to Kumarbagh?
A2: No, all old UBGB and Dakshin Bihar Gramin Bank (DBGB) IFSC codes have been revoked after the merger. You must use the new code PUNB0MBGB06 for all transactions to the Kumarbagh branch.

Q3: What services require an IFSC code for the Kumarbagh branch?
A3: You need the IFSC code for all electronic fund transfer services like NEFT (National Electronic Funds Transfer), RTGS (Real Time Gross Settlement), and IMPS (Immediate Payment Service) when sending money to or receiving money from the Kumarbagh branch.

Q4: How can I find the correct IFSC code for another Bihar Gramin Bank branch?
A4: You can find the correct IFSC code on the bank’s official website, on your bank passbook or checkbook, or by using online IFSC code search tools. Always confirm the code from a reliable source before making a transaction.

Q5: Is Bihar Gramin Bank still an independent bank, or is it part of Punjab National Bank?
A5: Bihar Gramin Bank is a Regional Rural Bank (RRB) that functions under the sponsorship of Punjab National Bank (PNB). While it operates as Bihar Gramin Bank, its IFSC code reflects PNB as the sponsor bank (PUNB0MBGB06).