Bihar Gramin Bank Kursakanta IFSC Code

The Bihar Gramin Bank branch at Kursakanta serves customers in Kursakanta village, in Araria district of Bihar (PIN 854331). For online fund transfers such as NEFT, RTGS and IMPS you must use the correct IFSC. The IFSC uniquely identifies the bank and branch within the Indian electronic payment system. Using the wrong code can delay transfers or cause failed transactions.

Branch Details

Merger Update

Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) were consolidated under Punjab National Bank for backend processing of electronic payments. As a result, the single IFSC code now in use for these rural branches is PUNB0MBGB06. Old IFSC codes issued under UBGB or DBGB have been revoked for NEFT/RTGS/IMPS. Use only the new IFSC PUNB0MBGB06 when making transfers to avoid failures or delays.

What is IFSC Code?

IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code used to identify bank branches in electronic fund transfers.

• First 4 characters — Bank code (letters). Example: PUNB for Punjab National Bank.
• 5th character — Always 0 (reserved).
• Last 6 characters — Branch identifier (can be letters and/or digits). Example: MBGB06.

So the IFSC PUNB0MBGB06 breaks down as PUNB | 0 | MBGB06. This identifies the exact branch for electronic routing.

How to Use IFSC Code (NEFT, RTGS, IMPS)

• Collect beneficiary details: name, bank name, account number, and IFSC (PUNB0MBGB06 for Kursakanta).
• Log in to your bank’s internet banking or mobile app, or visit a branch.
• Choose transfer type: NEFT, RTGS or IMPS. (IMPS and NEFT are usually available 24×7; RTGS is for time-sensitive, higher-value transfers. Check your bank’s limits.)
• Enter beneficiary account number and IFSC exactly as provided. Even one wrong character can route funds incorrectly or cause failure.
• Verify beneficiary name shown by the system before confirming. If the name mismatch is large, the bank may block the transfer until manual verification.
• Confirm and authenticate the transaction using OTP or transaction password.
• Save the UTR/transaction reference number for tracking and reconciliation.

Benefits of Knowing the IFSC

• Enables accurate routing of NEFT, RTGS and IMPS payments to the correct branch.
• Reduces failed transfers and the time needed to resolve them.
• Required for adding beneficiaries in netbanking and mobile apps.
• Helps businesses automate payment reconciliation when you store IFSC with supplier/customer records.
• Useful for filling forms where branch identification is mandatory (loan disbursal, salary credits).

Contact

Branch phone no: 9297954375

Branch Address: Kursakanta, ARARIA, 854331

Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR

Toll free no: 18001807777

FAQs

• Q: Is PUNB0MBGB06 the only valid IFSC for this branch?

  A: Yes. PUNB0MBGB06 is the valid IFSC to use. Old IFSCs previously under UBGB/DBGB have been revoked after the merger and will not work for NEFT/RTGS/IMPS.

• Q: What happens if I enter a wrong IFSC?

  A: If the IFSC points to a different valid branch, the funds may go to that branch and require manual recovery. If the IFSC is invalid, the transfer will usually fail and reverse. Always double-check the code and beneficiary details.

• Q: Do I need IFSC for UPI payments?

  A: No. UPI uses virtual payment addresses and mobile numbers, not IFSC. IFSC is required for NEFT, RTGS and IMPS when sending funds directly to an account number.

• Q: Where can I verify the IFSC before sending money?

  A: Verify with the beneficiary, check a bank cheque leaf or passbook that shows the IFSC, or confirm with the branch phone number (9297954375). Always confirm via an official source before transferring large sums.

• Q: Is IFSC case-sensitive or space-sensitive?

  A: IFSC is typically written in uppercase without spaces. Banks’ online forms accept the standard 11-character format; entering lowercase or extra spaces can cause a mismatch. Use PUNB0MBGB06 exactly.

Kriti Kumari

Kritti Kumari is a banker and MBA graduate who writes about banking, finance, and customer-friendly services. She simplifies complex financial products into easy guides, helping readers understand Bihar Gramin Bank’s offerings and make smarter money decisions.