If you’re looking to manage your funds for the Bihar Gramin Bank’s TAKIA KALAN branch, located in Nalanda, Bihar, understanding its Indian Financial System Code (IFSC) is essential. This unique code acts like a digital address for bank branches, making sure your money goes to the right place. Whether you’re sending money through National Electronic Funds Transfer (NEFT), Real Time Gross Settlement (RTGS), or Immediate Payment Service (IMPS), the correct IFSC code ensures your transactions are processed smoothly and securely.
Branch Details
Here are the key details for the Bihar Gramin Bank, TAKIA KALAN branch:
| Bank Name | Bihar Gramin Bank |
| Branch Name | TAKIA KALAN |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 6900 |
| Branch Address | TAKIA KALAN, Nalanda, 803101 |
| Contact Number | 9523596900 |
| City | Nalanda |
| District | Nalanda |
| Reason | BIHARSHARIF |
| Pincode | 803101 |
| State | Bihar |
Merger Update for Bihar Gramin Bank
It’s important to know about recent changes concerning Bihar Gramin Bank. This bank was formed as a result of the merger of two prominent regional rural banks: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). Both of these banks have now merged and operate under the sponsorship of Punjab National Bank (PNB). Consequently, all branches, including TAKIA KALAN, now use a unified IFSC code structure, which begins with “PUNB”.
For the TAKIA KALAN branch, the new and *only* valid IFSC code for all financial transactions is PUNB0MBGB06. Please be aware that any old IFSC codes previously used for Uttar Bihar Gramin Bank or Dakshin Bihar Gramin Bank branches are now revoked and will not work for current transactions. Always use the new PNB-sponsored IFSC code for a successful transfer.
What is an IFSC Code?
The IFSC Code, or Indian Financial System Code, is a unique 11-character alphanumeric code. It’s designed by the Reserve Bank of India (RBI) to identify individual bank branches participating in online money transfer systems.
Here’s how the 11 characters are structured:
- The first four characters represent the bank’s name. For example, in PUNB0MBGB06, “PUNB” stands for Punjab National Bank, the sponsor bank.
- The fifth character is always a zero (0). This character is reserved for future use and acts as a control digit.
- The last six characters identify the specific branch. In our example, “MBGB06” uniquely points to the TAKIA KALAN branch of Bihar Gramin Bank.
How to Use the IFSC Code
Using the IFSC code is straightforward when initiating an online fund transfer. Here’s a general guide for NEFT, RTGS, and IMPS:
- Log in to your Net Banking or Mobile Banking App: Access your bank account online or through your smartphone app.
- Select Fund Transfer Option: Look for options like “NEFT,” “RTGS,” or “IMPS.”
- Add Beneficiary: If you’re sending money to someone for the first time, you’ll need to add them as a beneficiary.
- Enter Beneficiary Details: You will typically need the following information for the person you are sending money to:
- Beneficiary Name
- Beneficiary Account Number (and confirm it)
- Bank Name (e.g., Bihar Gramin Bank)
- Branch Name (e.g., TAKIA KALAN)
- IFSC Code (PUNB0MBGB06)
- Transfer Amount
- Confirm and Transact: Review all the details carefully, then confirm the transaction. Your bank will send an OTP (One Time Password) to your registered mobile number for verification. Enter the OTP to complete the transfer.
For NEFT and RTGS, transactions are processed in batches or continuously during banking hours. IMPS offers instant, 24/7 transfers.
Benefits of Knowing Your IFSC Code
Knowing the correct IFSC code for your bank branch is highly beneficial for several reasons:
- Accurate Fund Transfers: Ensures that money is transferred to the correct recipient bank and branch, avoiding errors and delays.
- Facilitates Online Transactions: Essential for using NEFT, RTGS, and IMPS services for quick and efficient money transfers.
- Secure Transactions: Reduces the risk of fraudulent transfers by accurately identifying the destination branch.
- Required for Bill Payments and Investments: Many online bill payment systems, investment platforms, and e-commerce sites require an IFSC code for bank-to-bank transfers.
- Easy to Locate Branch Details: You can use the IFSC code to find specific branch information online if needed.
Contact Information
Should you need to get in touch with the bank, here are the relevant contact details:
- Branch Phone Number (TAKIA KALAN): 9523596900
- Branch Address (TAKIA KALAN): TAKIA KALAN, Nalanda, 803101, Bihar
- Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
- Toll-Free Number: 18001807777
Frequently Asked Questions (FAQs)
Q1: What should I do if I accidentally use an old IFSC code for Bihar Gramin Bank?
A1: If you use an old, revoked IFSC code, your transaction will likely fail. The funds will typically be returned to your account within a few hours or up to a day. You will then need to re-initiate the transfer using the correct, updated IFSC code: PUNB0MBGB06.
Q2: Is the IFSC code different for different types of online transactions like NEFT, RTGS, or IMPS?
A2: No, the IFSC code remains the same regardless of the type of online fund transfer you choose (NEFT, RTGS, or IMPS). It’s a unique identifier for the branch, not for the transaction type.
Q3: Can I find the IFSC code for my Bihar Gramin Bank branch on my passbook or cheque book?
A3: Yes, the IFSC code is usually printed on your bank passbook and on the cheque leaves of your cheque book. It’s typically found near the account number or branch details. However, due to the recent merger, always double-check with the latest information, especially if your passbook or cheque book is older.
Q4: What is the MICR Code and how is it different from an IFSC Code?
A4: The MICR (Magnetic Ink Character Recognition) Code is a 9-digit numerical code printed on cheque leaves using special magnetic ink. Its main purpose is to facilitate the processing and clearing of cheques. The IFSC code, on the other hand, is an 11-character alphanumeric code used for electronic fund transfers. While both identify a bank branch, they serve different functions in the banking system.
Q5: What is the minimum and maximum amount I can transfer using NEFT, RTGS, and IMPS with this IFSC code?
A5: For NEFT, there is no minimum or maximum amount. For RTGS, the minimum amount for a single transaction is INR 2 lakh, with no upper limit. For IMPS, you can typically transfer up to INR 5 lakh per transaction, although individual bank limits may vary. These limits are set by the RBI and the banks, not by the IFSC code itself.
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.