Bihar Gramin Bank MOAPKALA IFSC Code

The Bihar Gramin Bank branch in MOAPKALA is located in the Bhojpur district of Bihar. For anyone looking to send or receive money electronically to an account at this branch, the Indian Financial System Code (IFSC) is essential. This unique 11-character code identifies the specific bank branch in online transactions, ensuring that funds transferred through systems like NEFT, RTGS, or IMPS are routed correctly and securely to the intended recipient.

Branch Details

Bank Name: Bihar Gramin Bank
Branch Name: MOAPKALA
IFSC Code: PUNB0MBGB06
MICR Code: 800811002
Branch Code: 7058
Branch Address: MOAPKALA, Bhojpur, 802222
Contact Number: 9771464058
City: Bhojpur
District: Bhojpur
Region: ARA
Pincode: 802222
State: Bihar

Merger and IFSC Update

It’s important to note that Bihar Gramin Bank was formed by the merger of two former regional rural banks: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). Following this amalgamation, the bank is now sponsored by Punjab National Bank (PNB). As a result of this change, all old IFSC codes belonging to the former UBGB and DBGB have been revoked and are no longer valid. For all electronic transactions, you must use the new IFSC codes, which begin with the prefix ‘PUNB’. For the MOAPKALA branch, the only valid IFSC code is PUNB0MBGB06. Using an old code will result in a failed transaction.

What is an IFSC Code?

The IFSC is an 11-character alphanumeric code assigned by the Reserve Bank of India (RBI) to every bank branch participating in the electronic funds transfer network. The code has a specific structure that helps route transactions efficiently.

Let’s break down the IFSC code for the MOAPKALA branch, PUNB0MBGB06:

• PUNB: The first four letters represent the bank’s name. In this case, ‘PUNB’ stands for Punjab National Bank, the sponsor bank for Bihar Gramin Bank.
• 0: The fifth character is always a zero. It is reserved for future use.
• MBGB06: The last six characters uniquely identify the specific branch. In this instance, ‘MBGB06’ points directly to the MOAPKALA branch.

How to Use the IFSC Code

Using the IFSC code for an online money transfer is a straightforward process. Whether you are using Net Banking or a mobile banking app for NEFT, RTGS, or IMPS, the steps are generally the same.

1. Log in to your internet banking portal or mobile banking application.
2. Navigate to the ‘Fund Transfer’ or ‘Payments’ section.
3. Add a new beneficiary or payee. You will be prompted to enter their details.
4. Enter the recipient’s name, bank account number, and the bank’s IFSC code. For this branch, you would enter PUNB0MBGB06.
5. After adding the beneficiary, you can initiate the transfer by entering the amount and confirming the transaction.

Benefits of Using the Correct IFSC Code

• Accuracy: It eliminates errors by pinpointing the exact destination branch, ensuring your money goes to the right place.
• Speed: The code automates the routing process, which makes electronic transfers faster and more efficient than manual methods.
• Security: It adds a layer of verification to the transaction, reducing the risk of funds being misdirected.
• Requirement: It is mandatory for all major Indian electronic payment systems, including NEFT, RTGS, and IMPS.

Contact Information

For any direct queries or assistance, you can reach out to the branch or the head office.

Branch Contact
Phone: 9771464058
Address: MOAPKALA, Bhojpur, Bihar – 802222

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

Frequently Asked Questions

Can I still use my old Dakshin Bihar Gramin Bank (DBGB) IFSC code?
No. All IFSC codes from the pre-merger banks (DBGB and UBGB) are now invalid. You must use the new code, PUNB0MBGB06, for the MOAPKALA branch to ensure your transaction is successful.

What happens if I enter the wrong IFSC code?
If the IFSC code you enter does not exist, the transaction will likely be rejected immediately by your bank. If the code exists but points to the wrong branch, the funds could be delayed or, in rare cases, credited to a wrong account if other details also match. It’s crucial to double-check the code before confirming a transfer.

Is the IFSC code the same for all Bihar Gramin Bank branches?
No. Each branch of Bihar Gramin Bank has its own unique IFSC code. While the first four letters (‘PUNB’) will be the same for all branches, the last six characters are specific to each branch location.

Where can I find the IFSC code for my branch?
You can find the IFSC code printed on the cheque leaves of your bank-issued chequebook and on the first page of your passbook. It is also available on the bank’s official website.

Why does the IFSC code start with ‘PUNB’ for Bihar Gramin Bank?
The code starts with ‘PUNB’ because Punjab National Bank is the sponsor bank for Bihar Gramin Bank. The IFSC system uses the sponsor bank’s identifier for its associated regional rural banks.