Bihar Gramin Bank KUSMHARA IFSC Code

The Bihar Gramin Bank branch in KUSMHARA, located in Rohtas, Bihar, is an important financial touchpoint for the local community. For anyone looking to send or receive money digitally, understanding the bank’s Indian Financial System Code (IFSC) is essential. This unique code ensures that funds transferred through systems like NEFT, RTGS, and IMPS reach the correct bank branch without any errors, making your transactions secure and efficient.

Branch Details

Bank Name	Bihar Gramin Bank
Branch Name	KUSMHARA
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	6902
Branch Address	KUSMHARA, Rohtas, 802218
Contact Number	9523596902
City	Rohtas
District	Rohtas
Reason	SASARAM
Pincode	802218
State	Bihar

Merger Update

The Bihar Gramin Bank has a history of mergers aimed at strengthening rural banking services. Previously, Dakshin Bihar Gramin Bank (DBGB) and Uttar Bihar Gramin Bank (UBGB) were separate entities. These two banks merged to form Madhya Bihar Gramin Bank. Later, Madhya Bihar Gramin Bank was renamed Bihar Gramin Bank. This unified bank operates under the sponsorship of Punjab National Bank.

Because of this merger, all old IFSC codes belonging to Uttar Bihar Gramin Bank or Dakshin Bihar Gramin Bank are no longer active. For any transactions with Bihar Gramin Bank branches, including KUSMHARA, you must use the current, unified IFSC codes. For the KUSMHARA branch, the valid IFSC code is PUNB0MBGB06. Using any revoked or outdated IFSC code will cause your transaction to fail.

What is IFSC Code?

The IFSC stands for Indian Financial System Code. It is an 11-character code used to identify all bank branches involved in digital money transfers. This code is crucial for National Electronic Funds Transfer (NEFT), Real Time Gross Settlement (RTGS), and Immediate Payment Service (IMPS) transactions. Each character in the code holds specific information:

• The first four characters represent the bank name. For Bihar Gramin Bank, sponsored by Punjab National Bank, these are “PUNB”.
• The fifth character is always a “0” (zero). This is a control character reserved for future use.
• The last six characters identify the specific branch. For the KUSMHARA branch, these are “MBGB06”. This part helps to pinpoint the exact branch within the bank for your transfer.

How to Use IFSC Code

Using the IFSC code correctly is vital for seamless digital fund transfers. Here are the steps you generally follow when initiating a transfer via NEFT, RTGS, or IMPS:

1. Log In: Access your bank’s online banking portal or mobile application.
2. Select Transfer Option: Go to the “Fund Transfer” or “Payments” section.
3. Choose Transfer Type: Select the type of transfer you want to make (NEFT, RTGS, or IMPS).
4. Add Beneficiary Details: If you haven’t already, you’ll need to add the details of the person or entity receiving the money. This includes:
   • The beneficiary’s full name.
   • The beneficiary’s account number (and confirm it).
   • The beneficiary’s bank name (e.g., Bihar Gramin Bank).
   • The beneficiary bank’s IFSC code (PUNB0MBGB06 for KUSMHARA branch).
5. Enter Amount: Specify the amount of money you wish to send.
6. Review and Confirm: Carefully review all the entered details, especially the account number and IFSC code, to ensure accuracy. Once everything looks correct, confirm the transaction.

A correct IFSC code ensures your money goes to the right account at the right branch, preventing delays or failed transactions.

Benefits of Knowing Your IFSC Code

Having the correct IFSC code at hand offers several advantages:

• Accurate Transfers: It guarantees that your funds are transferred to the precise bank and branch you intend.
• Faster Digital Transactions: It is a mandatory detail for quick NEFT, RTGS, and IMPS transfers, speeding up the entire process.
• Prevents Errors: It minimizes the chances of manual errors that can occur with traditional methods, such as wrong branch identification.
• Mandatory for Electronic Payments: You cannot initiate an NEFT, RTGS, or IMPS transaction without providing the beneficiary’s IFSC code.
• Unique Identification: Each IFSC code uniquely identifies a specific bank branch, making the financial system highly organized.

Contact Information

For inquiries related to the KUSMHARA branch of Bihar Gramin Bank, you can use the following contact details:

• Branch Phone Number: 9523596902
• Branch Address: KUSMHARA, Rohtas, 802218, Bihar

For general inquiries or to contact the head office:

• Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number: 18001807777

Frequently Asked Questions

Here are some common questions about IFSC codes and Bihar Gramin Bank:

Q1: Is the IFSC code PUNB0MBGB06 valid for all Bihar Gramin Bank branches?
A: No, the IFSC code PUNB0MBGB06 is specific to the KUSMHARA branch. While all Bihar Gramin Bank IFSC codes start with “PUNB0”, the last six characters will differ for each branch to uniquely identify it.

Q2: Can I still use an old IFSC code from Dakshin Bihar Gramin Bank or Uttar Bihar Gramin Bank?
A: No, all old IFSC codes from Dakshin Bihar Gramin Bank (DBGB) and Uttar Bihar Gramin Bank (UBGB) have been revoked. You must use the new unified IFSC codes, such as PUNB0MBGB06 for KUSMHARA, for any transactions with Bihar Gramin Bank.

Q3: What do the first four characters “PUNB” in the IFSC code signify?
A: “PUNB” stands for Punjab National Bank. This indicates that Bihar Gramin Bank operates under the sponsorship of Punjab National Bank, which is common for Regional Rural Banks (RRBs).

Q4: What is the main difference between NEFT and RTGS?
A: NEFT (National Electronic Funds Transfer) processes money transfers in batches at specific intervals throughout the day. RTGS (Real Time Gross Settlement) processes individual transactions continuously, in “real time,” and is generally used for larger value transfers.

Q5: How can I find the correct IFSC code for another branch of Bihar Gramin Bank?
A: You can find the correct IFSC code by visiting the official website of Bihar Gramin Bank, checking your bank passbook or cheque book, or by contacting the bank’s customer service or your specific branch directly.