Bihar Gramin Bank Kunauli IFSC Code

The Bihar Gramin Bank branch in Kunauli, located in the Supaul district of Bihar, serves a vital role for its local community. Understanding the bank’s Indian Financial System Code, or IFSC, is essential for anyone needing to transfer funds electronically. This unique code allows for smooth and secure transactions through systems like NEFT (National Electronic Funds Transfer), RTGS (Real-Time Gross Settlement), and IMPS (Immediate Payment Service), ensuring your money reaches the correct recipient quickly.

Branch Details

Here are the key details for the Bihar Gramin Bank, Kunauli branch:

Bank Name	Bihar Gramin Bank
Branch Name	Kunauli
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	100735
Branch Address	Kunauli, SUPAUL, 852139, 9297954251
Contact Number	9297954251
City	Supaul
District	Supaul
Region	Saharsa
Pincode	852139
State	Bihar

Merger Update

Bihar Gramin Bank was formed from the merger of two regional rural banks: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). Following this merger, both banks now operate under the unified identity of Bihar Gramin Bank. Importantly, all branches of Bihar Gramin Bank now use a single series of IFSC codes that begin with PUNB0MBGB06. This means the old IFSC codes previously used by UBGB or DBGB are no longer valid. For any fund transfer to or from the Kunauli branch or any other Bihar Gramin Bank branch, you must use the updated and correct IFSC code, which is PUNB0MBGB06 for the specified branch.

What is an IFSC Code?

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code that uniquely identifies every bank branch in India. It is crucial for electronic fund transfers. The code has a specific structure:

• The first four characters represent the bank name. For Bihar Gramin Bank, this is “PUNB” because it is sponsored by Punjab National Bank.
• The fifth character is always a zero (0). This character is reserved for future use.
• The last six characters identify the specific branch. For the Kunauli branch, these are “MBGB06”. These characters change for each individual branch.

So, the complete IFSC code for Bihar Gramin Bank, Kunauli branch, is PUNB0MBGB06.

How to Use the IFSC Code

Using the IFSC code is a straightforward process when you are making online fund transfers through NEFT, RTGS, or IMPS. Here are the general steps:

1. Log in to Your Net Banking or Mobile Banking App: Access your bank’s online platform.
2. Select Fund Transfer Option: Look for options like “NEFT,” “RTGS,” or “IMPS.”
3. Add a Beneficiary (if new): If you are sending money to someone for the first time, you will need to add them as a beneficiary. This usually involves providing:
   • The beneficiary’s name.
   • Their account number.
   • Their bank name (e.g., Bihar Gramin Bank).
   • The branch name (e.g., Kunauli).
   • The crucial IFSC code (PUNB0MBGB06).
4. Initiate Transfer: Once the beneficiary is added or selected, enter the amount you wish to transfer.
5. Confirm Details: Always double-check the beneficiary’s name, account number, and the IFSC code before confirming the transaction. An incorrect IFSC code can lead to delays or the money being sent to the wrong account.
6. Complete Transaction: Authorize the transfer using your PIN or OTP.

The system uses the IFSC code to correctly route your payment to the specific branch and account.

Benefits of Knowing Your IFSC Code

Knowing the correct IFSC code for your bank branch or the recipient’s branch offers several practical benefits:

• It enables secure and swift electronic fund transfers through NEFT, RTGS, and IMPS.
• It ensures your money reaches the intended recipient’s exact branch and account, reducing errors.
• It is mandatory for setting up direct debits, EMIs, and other automated payments.
• It is often required when updating KYC (Know Your Customer) details or for various financial applications.
• Having it readily available saves time when you need to make urgent transactions.

Contact Information

If you need to get in touch with the bank, here are the relevant contact details:

• Kunauli Branch Phone Number: 9297954251
• Kunauli Branch Address: Kunauli, SUPAUL, 852139, Bihar
• Bihar Gramin Bank Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number: 18001807777

Frequently Asked Questions (FAQs)

Q1: Can I use an old IFSC code from Uttar Bihar Gramin Bank for a transfer to Bihar Gramin Bank, Kunauli?
A1: No, you cannot. After the merger, all old IFSC codes for Uttar Bihar Gramin Bank and Dakshin Bihar Gramin Bank branches are revoked. You must use the new and unified IFSC code, which is PUNB0MBGB06 for the Kunauli branch of Bihar Gramin Bank.

Q2: Is the IFSC code the same for all branches of Bihar Gramin Bank?
A2: No, the first five characters (PUNB0) are common, but the last six characters are unique for each branch. For example, while Kunauli branch’s code is PUNB0MBGB06, another branch will have a different last six characters.

Q3: Where can I find the IFSC code for my bank or a recipient’s bank?
A3: You can find the IFSC code on your bank passbook, cheque book, or your bank’s official website. It is also available on third-party financial websites that list bank details.

Q4: What happens if I enter an incorrect IFSC code during a transaction?
A4: If the IFSC code is incorrect, the transaction will likely fail and be rejected by the system. In some cases, if the incorrect code points to a valid but different branch, the money might be transferred to the wrong account, leading to complications and potential loss of funds. Always verify the IFSC code carefully.

Q5: Is an IFSC code required for all types of money transfers?
A5: An IFSC code is specifically required for inter-bank electronic fund transfers via NEFT, RTGS, and IMPS. For intra-bank transfers (sending money between two accounts within the same bank), an IFSC code might not be strictly necessary, but it’s good practice to have it. Cash deposits or withdrawals do not require an IFSC code.