The MANIKPUR branch of Bihar Gramin Bank is located in the Arwal district of Bihar. For any online money transfer to an account at this branch, you need a specific code called the Indian Financial System Code (IFSC). This code is essential for ensuring your funds are routed correctly through systems like National Electronic Funds Transfer (NEFT), Real-Time Gross Settlement (RTGS), and Immediate Payment Service (IMPS). Without the correct IFSC code, your transaction may be delayed or rejected.
Bihar Gramin Bank, MANIKPUR Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | MANIKPUR |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | MBGB06 |
| Branch Address | MANIKPUR, Arwal, Bihar – 804421 |
| Contact Number | 9771464115 |
| City | Arwal |
| District | Arwal |
| Region | AURANGABAD |
| Pincode | 804421 |
| State | Bihar |
Important Update on Bank Merger
Previously, banking in the region was handled by Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). Following a significant amalgamation, Dakshin Bihar Gramin Bank is now sponsored by Punjab National Bank (PNB). As a result of this change, all old IFSC codes, particularly those used for DBGB, have been discontinued.
All branches, including MANIKPUR, now use a new IFSC code structure that starts with ‘PUNB’. The valid IFSC code for this branch is PUNB0MBGB06. Please ensure you use only this new code for all future transactions to avoid failures or delays. Using an old, revoked IFSC code will result in your transaction not being processed.
What is an IFSC Code?
An IFSC code is an 11-character alphanumeric code that uniquely identifies a bank branch participating in electronic funds transfer systems in India. The code is structured to provide specific information about the bank and its branch.
Let’s break down the MANIKPUR branch IFSC code, PUNB0MBGB06:
- PUNB: The first four letters represent the sponsor bank, which is Punjab National Bank.
- 0: The fifth character is always a zero. It is reserved for future use.
- MBGB06: The last six characters identify the specific branch. In this case, it points to the MANIKPUR branch of Bihar Gramin Bank.
How to Use the IFSC Code for Fund Transfers
Using the IFSC code for an online money transfer is a straightforward process. When you initiate a payment using NEFT, RTGS, or IMPS through your net banking portal or mobile app, you will need to add the recipient (beneficiary) first.
Follow these general steps:
- Log in to your internet banking account or mobile banking application.
- Navigate to the ‘Fund Transfer’ or ‘Payments’ section.
- Choose the option to ‘Add a new beneficiary’ or ‘Add a new payee’.
- You will be asked to enter the beneficiary’s details: their name, account number, and the bank’s IFSC code.
- In the IFSC code field, carefully enter PUNB0MBGB06 for the MANIKPUR branch.
- After the beneficiary is successfully added, you can select them from your list and transfer funds.
Benefits of Using the Correct IFSC Code
- Transaction Accuracy: The code ensures that your money is sent to the exact bank and branch you intend, eliminating routing errors.
- Prevents Delays: A correct IFSC code helps in the smooth and rapid processing of funds. An incorrect code can cause the transaction to be held or reversed, leading to significant delays.
- Enables Electronic Payments: It is a mandatory requirement for participating in India’s primary electronic payment networks like NEFT, RTGS, and IMPS.
- Secure Transfers: By correctly identifying the destination branch, the IFSC code adds a layer of verification, contributing to the security of the transaction.
Contact Information
For direct assistance, you can reach out to the branch or the head office.
- Branch Contact Number: 9771464115
- Branch Address: MANIKPUR, Arwal, Bihar – 804421
- Head Office Address: Shri Vishnu Commercial Complex, Asochak, Patna – 800030, Bihar
- Toll-Free Number: 1800-180-7777
Frequently Asked Questions (FAQs)
1. Can I still use my old Dakshin Bihar Gramin Bank (DBGB) IFSC code for a transfer?
No. All old IFSC codes associated with DBGB are now invalid due to the sponsorship change to Punjab National Bank. You must use the new code, PUNB0MBGB06, for all transactions to the MANIKPUR branch.
2. What happens if I accidentally enter the wrong IFSC code?
If the IFSC code you entered does not exist, the transaction will be rejected by the system. If it corresponds to another branch, the funds could be sent there and may require a lengthy process to be rerouted or returned, causing delays.
3. Is the IFSC code the same for every branch of Bihar Gramin Bank?
No. While the first four letters (‘PUNB’) might be common due to the sponsor bank, the last six characters are unique to each branch. Always verify the code for the specific branch you are sending money to.
4. Where else can I find the IFSC code for a bank branch?
The IFSC code is printed on the cheque leaves and on the front page of the bank passbook provided by the branch. You can also find it on the official website of Bihar Gramin Bank.
5. What is the difference between NEFT, RTGS, and IMPS?
NEFT (National Electronic Funds Transfer) processes transactions in batches, so it may take a little time. RTGS (Real-Time Gross Settlement) is for high-value transactions (typically above ₹2 lakh) and settles them individually in real-time. IMPS (Immediate Payment Service) is a 24/7 service that transfers funds instantly.
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.