Bihar Gramin Bank Tilkamanjhi IFSC Code

The Bihar Gramin Bank branch in Tilkamanjhi, located in the city of Bhagalpur, Bihar, is a key financial touchpoint for the local community. For anyone looking to send or receive money online through this branch, understanding its unique codes is essential. The Indian Financial System Code (IFSC) is a critical piece of information that directs digital transactions like NEFT, RTGS, and IMPS to the correct bank branch, ensuring your funds are routed accurately and without delay.

Branch Details

Bank Name: Bihar Gramin Bank
Branch Name: Tilkamanjhi
IFSC Code: PUNB0MBGB06
MICR Code: 800811002
Branch Code: 3628
Branch Address: Tilkamanjhi, Bhagalpur, 812001, 8102918703
Contact Number: 8102918703
City: Bhagalpur
District: Bhagalpur
Reason: BHAGALPUR
Pincode: 812001
State: Bihar

Important Merger Update

Previously, Bihar was served by two separate regional rural banks: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). These two banks have since merged to form a single entity, now known as Bihar Gramin Bank. This new bank is sponsored by Punjab National Bank (PNB).

As a result of this merger, all old IFSC codes belonging to the former UBGB and DBGB branches have been discontinued. All branches, including Tilkamanjhi, now use a new, standardized IFSC code format that starts with “PUNB” to reflect the sponsorship by Punjab National Bank. For any online fund transfer, it is crucial to use only the new IFSC code, PUNB0MBGB06. Using an old, revoked code will cause the transaction to fail.

What is an IFSC Code?

The IFSC is an 11-character alphanumeric code that uniquely identifies every bank branch participating in India’s electronic fund transfer network. The code is structured to provide specific information about the bank and its branch.

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

• PUNB: The first four letters represent the name of the bank. In this case, it signifies Punjab National Bank, the sponsor bank for Bihar Gramin Bank.
• 0: The fifth character is always a zero. It is reserved for future system upgrades or use by the Reserve Bank of India.
• MBGB06: The last six characters identify the specific branch. This part of the code ensures your money is routed directly to the Tilkamanjhi branch.

How to Use the IFSC Code for Fund Transfers

Using the IFSC code for online banking is a straightforward process. Whether you are using NEFT (National Electronic Funds Transfer), RTGS (Real-Time Gross Settlement), or IMPS (Immediate Payment Service), the steps are generally the same.

1. Log into your net banking portal or mobile banking application.
2. Navigate to the “Fund Transfer” or “Payments” section.
3. Select the option to add a new beneficiary or payee.
4. Enter the recipient’s details: their name, account number, and the bank name.
5. You will be prompted to enter the IFSC code of the recipient’s branch. For the Tilkamanjhi branch, you would enter PUNB0MBGB06.
6. After verifying the details, confirm the addition of the new beneficiary. You can now transfer funds to this account.

Benefits of Using the Correct IFSC Code

• Accuracy: It eliminates errors by ensuring that funds are sent to the exact intended bank branch, not just the right bank.
• Speed: Correct codes enable automated processing, which makes transactions like IMPS and NEFT much faster.
• Security: The code acts as a layer of verification, reducing the risk of funds being misdirected.
• Accessibility: It allows you to perform transactions from anywhere, at any time, without needing to visit a bank.

Contact Information

For direct assistance or specific queries, you can reach out to the branch or the bank’s head office.

Branch Contact
Phone Number: 8102918703
Address: Tilkamanjhi, Bhagalpur, Bihar – 812001

Head Office
Address: Shri Vishnu Commercial Complex, Asochak, Patna – 800030, Bihar
Toll-Free Number: 1800-180-7777

Frequently Asked Questions

Why does the Bihar Gramin Bank IFSC code start with ‘PUNB’?
Following the merger of Uttar and Dakshin Bihar Gramin Banks, the new entity, Bihar Gramin Bank, is sponsored by Punjab National Bank (PNB). The IFSC codes were standardized to reflect this sponsorship, which is why they begin with ‘PUNB’.

Can I still use my old Dakshin Bihar Gramin Bank (DBGB) IFSC code?
No. All IFSC codes associated with the former DBGB and UBGB are now invalid. You must use the new codes starting with ‘PUNB’ for all transactions to be successful.

What happens if I enter the wrong IFSC code?
If you enter an incorrect or non-existent IFSC code, the transaction will most likely be rejected by the banking system, and the money will be credited back to your account. In a rare case where the wrong code corresponds to another valid branch, the funds could be misrouted, leading to delays and a lengthy process to recover them.

Is the IFSC code the same as the MICR code?
No, they serve different purposes. The IFSC code is used for online fund transfers like NEFT and RTGS. The MICR (Magnetic Ink Character Recognition) code is a 9-digit code found at the bottom of a cheque leaf, used for the physical processing of cheques.

Do I need an IFSC code for UPI payments?
For standard UPI payments made from one person’s VPA (Virtual Payment Address) to another (e.g., using a mobile number or QR code), you do not need an IFSC code. However, an IFSC code is required if you are using your UPI app to add a beneficiary’s bank account for a direct transfer.