Bihar Gramin Bank Tamkuhan IFSC Code

The Tamkuhan branch of Bihar Gramin Bank is an important banking hub for residents in and around Tamkuhan, located in the West Champaran district of Bihar, with the pincode 845104. For anyone needing to send or receive money through digital channels like National Electronic Funds Transfer (NEFT), Real Time Gross Settlement (RTGS), or Immediate Payment Service (IMPS), understanding and using the Indian Financial System Code (IFSC) is absolutely essential. This unique code ensures that your funds are directed accurately to the intended bank and branch, making financial transactions smooth and secure.

Branch Details

Here are the key details for the Tamkuhan branch:

Bank Name	Bihar Gramin Bank
Branch Name	Tamkuhan
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	100312
Branch Address	Tamkuhan, WEST CHAMPARAN, 845104
Contact Number	9297954099
City	WEST CHAMPARAN
District	WEST CHAMPARAN
Reason	BETTIAH
Pincode	845104
State	Bihar

Merger Update for Gramin Banks

In Bihar, several Regional Rural Banks (RRBs) have undergone mergers and reorganizations to streamline operations and enhance banking services. For instance, Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have merged over time, leading to new structures and updated identification codes.

The Tamkuhan branch, as part of a Gramin Bank in Bihar, now uses the IFSC code PUNB0MBGB06. This code structure indicates its sponsorship by Punjab National Bank (PNB). Due to these mergers and updates, any older IFSC codes previously used by banks like UBGB or DBGB for their branches are now revoked. For any financial transaction, it is crucial to use only the current and valid IFSC code, such as PUNB0MBGB06 for this branch, to ensure your money reaches the correct destination without delay.

What is an IFSC Code?

The IFSC Code, or Indian Financial System Code, is a unique 11-character alphanumeric code. It’s used to identify every bank branch participating in online money transfers within India. Think of it as a specific digital address for each bank branch.

The structure of an IFSC code is standard:

• The first four characters represent the bank 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.
• The last six characters identify the specific branch. In PUNB0MBGB06, “MBGB06” identifies the particular branch within the Gramin Bank network under PNB’s sponsorship.

This systematic structure helps the Reserve Bank of India (RBI) track and manage electronic fund transfers efficiently across different banks and their branches.

How to Use an IFSC Code

Using the IFSC code correctly is vital for any online fund transfer. Here’s a simple guide for common methods:

1. For NEFT (National Electronic Funds Transfer) and RTGS (Real Time Gross Settlement):
   • Log in to your bank’s online banking portal or mobile app.
   • Select the NEFT or RTGS option for fund transfer.
   • Add a new beneficiary or select an existing one.
   • Enter the beneficiary’s details: full name, account number, account type (savings, current, etc.), and the crucial IFSC code (e.g., PUNB0MBGB06).
   • Confirm the amount you wish to transfer.
   • Review all details before confirming the transaction.
2. For IMPS (Immediate Payment Service):
   • Access your mobile banking app or internet banking.
   • Choose the IMPS option.
   • You will need either the beneficiary’s Mobile Number and MMID (Mobile Money Identifier) or their Bank Account Number and IFSC code (e.g., PUNB0MBGB06).
   • Enter the transfer amount.
   • Verify the details and proceed with the transfer. IMPS transactions are usually processed instantly.

Always double-check the IFSC code and account number before making a transfer. An incorrect code can lead to delays or, in rare cases, funds being sent to the wrong account.

Benefits of Knowing the IFSC Code

Understanding and using the correct IFSC code offers several key advantages:

• Accurate Fund Routing: It ensures your money goes to the exact bank and branch you intend. This prevents misdirection of funds.
• Faster Transactions: With the correct IFSC, electronic transfers like NEFT, RTGS, and IMPS are processed quickly and efficiently.
• Enhanced Security: The unique code adds a layer of security, as it precisely identifies the destination of your funds, reducing fraud risks.
• Mandatory for Online Transfers: IFSC is a non-negotiable requirement for all inter-bank electronic fund transfers within India.
• Branch Identification: It helps in clearly identifying specific bank branches, especially useful in areas where multiple branches of the same bank exist.

Contact Information

For any queries or assistance related to the Tamkuhan branch or its services, you can use the following contact details:

• Branch Phone Number: 9297954099
• Branch Address: Tamkuhan, WEST CHAMPARAN, 845104, Bihar
• Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number (for general inquiries): 18001807777

Frequently Asked Questions

Q1: Is the IFSC code for Bihar Gramin Bank Tamkuhan branch always the same?

A1: Yes, the IFSC code PUNB0MBGB06 is a permanent identifier for the Tamkuhan branch. It generally does not change unless there is a major bank merger, acquisition, or a significant change in the bank’s structure, which would be communicated by the bank.

Q2: Can I transfer money using only the account number and no IFSC code?

A2: No, for inter-bank online transfers like NEFT, RTGS, or IMPS, the IFSC code is mandatory. It’s essential for routing the transaction to the correct bank and branch. For transfers within the same bank, the IFSC might not be strictly required by some systems, but it’s always good practice to have it.

Q3: What if I use an incorrect IFSC code during a transfer?

A3: If you enter an incorrect IFSC code, the transaction will likely fail. The system will detect that the code does not match the beneficiary’s bank and branch, and the transfer will not go through. In some cases, if the incorrect code belongs to another valid branch, your funds might be sent to the wrong place, requiring a reversal process, which can be complicated and time-consuming.

Q4: How can I confirm the correct IFSC code for any bank branch?

A4: You can confirm the correct IFSC code in several ways: check the bank’s official website, look at your passbook or cheque book (it’s usually printed on them), or use reliable third-party financial aggregators online. It’s always best to verify directly with the bank if you have any doubts.

Q5: Is MICR code similar to IFSC code?

A5: No, while both are bank codes, they serve different purposes. The MICR (Magnetic Ink Character Recognition) code is a 9-digit numerical code printed on cheque leaves, primarily used for clearing cheques. The IFSC code is an 11-character alphanumeric code used for electronic fund transfers. They are distinct and not interchangeable.