Bihar Gramin Bank Muradpur (Kursela) IFSC Code

If you are looking to send money digitally to the Bihar Gramin Bank branch in Muradpur (Kursela), Purnia, Bihar, you will need to use a specific bank code. This code is known as the Indian Financial System Code, or IFSC. It is crucial for ensuring that your fund transfers, whether through NEFT (National Electronic Funds Transfer), RTGS (Real Time Gross Settlement), or IMPS (Immediate Payment Service), reach the correct bank and branch without any issues. The IFSC acts like a unique address for each bank branch, making digital transactions safe and accurate.

Branch Details

Bank Name	Bihar Gramin Bank
Branch Name	Muradpur (Kursela)
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	100865
Branch Address	Muradpur (Kursela), PURNIA, 854101
Contact Number	9297955814
City	PURNIA
District	PURNIA
Pincode	854101
State	Bihar

Merger Update

Bihar Gramin Bank was formed through the merger of two regional rural banks: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). Both of these banks previously operated under different IFSC codes. However, after their merger, all branches now function under the sponsorship of Punjab National Bank (PNB). This means that there is a single, unified IFSC code for all transactions with Bihar Gramin Bank branches. The valid IFSC code for the Muradpur (Kursela) branch, and indeed for all Bihar Gramin Bank branches, is PUNB0MBGB06. It is important to note that any old IFSC codes previously used for UBGB or DBGB branches are now revoked and will not work for current transactions. Always use PUNB0MBGB06 for any fund transfers to Bihar Gramin Bank.

What is an IFSC Code?

An IFSC code is an 11-character alphanumeric code used to identify all bank branches participating in online fund transfers. This unique code helps to direct your money to the exact branch you intend. The structure of the IFSC code PUNB0MBGB06 can be broken down as follows:

• The first four characters, “PUNB”, identify the parent bank, which in this case is Punjab National Bank, the sponsoring bank for Bihar Gramin Bank.
• The fifth character is always “0” (zero). This character is reserved for future use and acts as a control digit.
• The last six characters, “MBGB06”, uniquely identify the specific branch. For the Muradpur (Kursela) branch, “MBGB” refers to “Madhya Bihar Gramin Bank” (a common prefix used in the merged entity’s branch codes despite the bank being Bihar Gramin Bank) and “06” identifies this particular branch.

How to Use an IFSC Code

When you need to send money using NEFT, RTGS, or IMPS, you will typically follow these steps in your online banking portal or mobile app:

1. Log in to your online banking account or mobile banking app.
2. Select the “Fund Transfer” or “Payments” option.
3. Choose the type of transfer you want to make: NEFT, RTGS, or IMPS.
4. Add a New Beneficiary: If you are sending money to this person or entity for the first time, you will need to add them as a beneficiary.
5. Enter Beneficiary Details: You will be prompted to enter information such as:
   • Beneficiary’s Name
   • Beneficiary’s Account Number (re-enter to confirm)
   • Bank Name (Bihar Gramin Bank)
   • Branch Name (Muradpur (Kursela))
   • IFSC Code: Enter PUNB0MBGB06 here.
6. Confirm Details: Double-check all the information you have entered, especially the account number and IFSC code, to avoid errors.
7. Enter Amount and Remarks: Specify the amount you wish to transfer and add any relevant remarks.
8. Authenticate: Complete the transaction using your password or transaction PIN.

Benefits of Knowing Your IFSC Code

Knowing the correct IFSC code for your bank branch offers several advantages:

• Accurate Fund Transfers: It ensures that your money goes to the correct bank and branch, preventing delays or transfers to wrong accounts.
• Faster Transactions: NEFT, RTGS, and IMPS transfers are processed quickly when the correct IFSC is provided, often within minutes for IMPS.
• Convenience: You can easily send and receive money from anywhere, anytime, without needing to visit the bank physically.
• Security: The unique identification helps in tracking transactions and adds a layer of security to digital payments.
• Essential for Digital Banking: It is a mandatory requirement for all major digital payment methods in India.

Contact Information

Should you need to contact the bank for specific branch-related inquiries, here are the details:

• Branch Phone Number: 9297955814
• Branch Address: Muradpur (Kursela), PURNIA, 854101, Bihar
• Bihar Gramin Bank Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number: 18001807777

FAQs

Q1: Is the IFSC code PUNB0MBGB06 valid for all Bihar Gramin Bank branches?

A1: Yes, after the merger of Uttar Bihar Gramin Bank and Dakshin Bihar Gramin Bank, all branches now operate under the unified IFSC code PUNB0MBGB06, sponsored by Punjab National Bank.

Q2: What happens if I use an old IFSC code from Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB)?

A2: If you use an old IFSC code, your transaction will likely fail. The old codes have been revoked and are no longer valid for fund transfers. Always use PUNB0MBGB06 for any transactions to Bihar Gramin Bank.

Q3: Can I find the IFSC code on my bank passbook or checkbook?

A3: Yes, the IFSC code is typically printed on the first page of your bank passbook and on individual check leaves. It is a good practice to verify it with the official bank website or through reliable sources if you have any doubts, especially after a merger.

Q4: What is the difference between IFSC and MICR code?

A4: An IFSC code (Indian Financial System Code) is used for electronic fund transfers like NEFT, RTGS, and IMPS. A MICR code (Magnetic Ink Character Recognition) is a 9-digit code primarily used for processing paper-based checks. Both identify bank branches, but for different purposes.

Q5: Is it safe to share the IFSC code with others?

A5: Yes, it is generally safe to share your IFSC code. It is a publicly available code that helps others send money to your account. Unlike your account number or PIN, the IFSC code alone cannot be used to withdraw money from your account.