Bihar Gramin Bank Kusaha IFSC Code

Welcome to the guide for Bihar Gramin Bank’s Kusaha branch. This branch is located in Kusaha, within the Supaul district of Bihar. When you need to transfer funds electronically, whether through NEFT, RTGS, or IMPS, having the correct IFSC (Indian Financial System Code) is essential. This unique code helps identify the bank and its specific branch, ensuring your money reaches the right destination without any delays.

Branch Details

Bank Name	Bihar Gramin Bank
Branch Name	Kusaha
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	108134
Branch Address	Kusaha, SUPAUL, 852213
Contact Number	9297954220
City	SUPAUL
District	SUPAUL
Pincode	852213
State	Bihar

Merger Update

The IFSC code PUNB0MBGB06 used by the Kusaha branch of Bihar Gramin Bank reflects important changes in the regional banking landscape. Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have merged to form a new entity, which now operates under the sponsorship of Punjab National Bank. As a result of this merger, all old IFSC codes belonging to UBGB and DBGB have been revoked. The new, unified IFSC code PUNB0MBGB06 is the only valid code for financial transactions with branches covered by this merged structure. It is crucial to use this specific code for all your fund transfers to ensure they are processed correctly.

What is IFSC Code?

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code. It’s used to uniquely identify every bank branch participating in online money transfers in India. Think of it as a digital address for a bank branch. The structure of the code is easy to understand:

• The first four characters represent the bank’s name. For example, ‘PUNB’ stands for Punjab National Bank, which sponsors Bihar Gramin Bank.
• The fifth character is always a ‘0’ (zero). This is reserved for future use.
• The last six characters identify the specific branch. For the Kusaha branch, these are ‘MBGB06’.

This unique code ensures that when you send money, it goes to the correct bank and the exact branch you intend.

How to Use IFSC Code

Using the IFSC code is a straightforward process when you’re making an online fund transfer. Here’s how it works for NEFT, RTGS, and IMPS transactions:

• Gather Receiver Details: Before starting, you will need the beneficiary’s (the person receiving the money) account number, their full name, and the correct IFSC code for their bank branch (in this case, PUNB0MBGB06 for Bihar Gramin Bank, Kusaha).
• Log In to Net Banking/Mobile Banking: Access your bank’s online platform or mobile app.
• Select Fund Transfer Option: Look for options like “NEFT,” “RTGS,” or “IMPS” within the transfer menu. Choose the one that suits your needs based on the amount and urgency of the transfer.
• Add Beneficiary: If you haven’t transferred to this person before, you’ll need to add them as a new beneficiary. You’ll input their name, account number, and the IFSC code PUNB0MBGB06.
• Verify and Confirm: Double-check all the details you’ve entered, especially the account number and IFSC code, to avoid any errors. Once confirmed, your bank will process the transfer.

For NEFT and RTGS, funds are typically transferred between banks during specific operating hours, while IMPS offers instant transfers 24/7.

Benefits of Knowing IFSC Code

Having the correct IFSC code for your bank branch is highly beneficial for several reasons:

• Seamless Fund Transfers: It enables quick and accurate online money transfers via NEFT, RTGS, and IMPS, ensuring your money reaches the right account.
• Essential for Online Transactions: Many online payment platforms, digital wallets, and investment services require an IFSC for linking bank accounts or making direct payments.
• Avoids Errors: The unique nature of the IFSC code minimizes the risk of sending money to the wrong bank or branch, reducing potential financial losses and hassles.
• Access to Centralized Payment Systems: It allows your bank branch to participate in India’s robust and secure electronic fund transfer systems, simplifying inter-bank transactions.
• Convenient for Beneficiaries: If you’re receiving money, providing your IFSC code to the sender makes it easy for them to transfer funds to your account.

Contact Section

If you need to get in touch with the Bihar Gramin Bank Kusaha branch or its head office, here are the details:

• Branch Phone Number: 9297954220
• Branch Address: Kusaha, SUPAUL, 852213, Bihar
• Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number: 18001807777

FAQs

Here are some frequently asked questions about the Bihar Gramin Bank Kusaha branch and its IFSC code:

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

Q2: Is the Kusaha branch part of the recent bank mergers?
A2: While the Kusaha branch is of Bihar Gramin Bank, the IFSC code PUNB0MBGB06 is associated with the merger of Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) under Punjab National Bank. This code is now valid for transactions involving branches under this consolidated structure, ensuring unified operations.

Q3: Can I use an old IFSC code if my branch was previously UBGB or DBGB?
A3: No, old IFSC codes for Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) are no longer valid. You must use the new, consolidated IFSC code PUNB0MBGB06 for all your fund transfer needs.

Q4: What is the purpose of the ‘0’ in the IFSC code PUNB0MBGB06?
A4: The fifth character, ‘0’ (zero), in the IFSC code is a control digit. It is reserved for future use and helps maintain the standard structure of the code across all bank branches.

Q5: How can I confirm the correct IFSC code for any other branch?
A5: You can always confirm the correct IFSC code by checking your bank’s passbook, chequebook, or by visiting the bank’s official website. Reliable third-party financial portals also provide updated IFSC information.