IFSC Code of FINO Payments Bank, Ganjbazar Branch, Bihar

This page lists the IFSC code, branch address, contact number and fund-transfer information for FINO Payments Bank, GANJBAZAR branch in MUZAFFARPUR. The 11-digit IFSC FINO0001226 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with FINO Payments Bank at the GANJBAZAR location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for FINO Payments Bank – GANJBAZAR is FINO0001226. The first four letters FINO are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001226 map to this branch in MUZAFFARPUR, BIHAR.

About the bank

FINO Payments Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Ganjbazar branch in Muzaffarpur, Bihar is part of this network and uses the IFSC code FINO0001226 for all electronic settlement.

About the Ganjbazar branch

The Ganjbazar branch of FINO Payments Bank is situated at GANJBAZAR,MUSTFAGANJ,MINAPUR,DIST -MUZAFFARPUR,BIHAR -843128. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code FINO0001226 is used.

Branch details at a glance

Why every FINO Payments Bank branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including GANJBAZAR of FINO Payments Bank — its own 11-character IFSC. The code FINO0001226 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC FINO0001226 the same way you would treat your account number — verify it once and save it carefully for future use.

MICR & cheque-truncation details

Cheques drawn on the Ganjbazar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC FINO0001226 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC FINO0001226

Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC FINO0001226 across all three.

NEFT to FINO Payments Bank, GANJBAZAR using IFSC FINO0001226

National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.

To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC FINO0001226, and confirm that the system picks up FINO Payments Bank – GANJBAZAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to GANJBAZAR

If you need to transfer ₹2 lakh or more in one go to an account at FINO Payments Bank's GANJBAZAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC FINO0001226 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to FINO Payments Bank – GANJBAZAR, use IMPS. With IFSC FINO0001226 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Ganjbazar

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC FINO0001226:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at GANJBAZAR is still linked to IFSC FINO0001226.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

UPI payments and IFSC FINO0001226

UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at FINO Payments Bank – GANJBAZAR is still mapped to IFSC FINO0001226. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.

If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC FINO0001226 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Ganjbazar branch is mapped to IFSC FINO0001226 on the RBI payments network. The branch generally supports the full retail product catalogue of FINO Payments Bank, including:

• Resident savings accounts and salary accounts
• Current accounts for businesses and professionals
• Fixed deposits, recurring deposits and tax-saver deposits
• Demand drafts, banker's cheques and pay orders
• Retail loans — personal, vehicle, education, gold and home
• Credit cards and overdraft facilities (subject to eligibility)
• Third-party investment products such as mutual funds and insurance (through tie-ups)

Whichever product you choose, the IFSC for incoming credits remains FINO0001226.

Products and services

Customers walking into the Ganjbazar branch can access most of FINO Payments Bank's standard product suite, including:

• Account opening – savings, current, NRI, salary
• Term deposits and recurring deposits
• Retail and small-business loans
• Insurance and mutual-fund tie-ups
• Locker, safe deposit and ATM card services
• Online and mobile banking activation
• Electronic transfers via IFSC FINO0001226

Online banking and IFSC FINO0001226

FINO Payments Bank customers can register for net banking and the bank's official mobile app once their account at the GANJBAZAR branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC FINO0001226 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.

Reaching the branch

The Ganjbazar branch sits at GANJBAZAR,MUSTFAGANJ,MINAPUR,DIST -MUZAFFARPUR,BIHAR -843128. If you are travelling from outside Muzaffarpur, search for the branch on a maps application using the bank name and locality, or call 9934123471 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC FINO0001226 and your account number.

Common mistakes to avoid when using IFSC FINO0001226

An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to FINO Payments Bank – GANJBAZAR, double-check for these issues:

• Confusing 0 with O. The fifth character of every IFSC is the digit 0, not the letter O. Read carefully.
• Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters: FINO0001226.
• Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
• Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
• Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.

Working hours

Branch counters at Ganjbazar are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to FINO0001226 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC FINO0001226 for FINO Payments Bank – GANJBAZAR, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

Branch address & contact

Frequently asked questions

Summary

The IFSC code FINO0001226 belongs to FINO Payments Bank's GANJBAZAR branch, located at GANJBAZAR,MUSTFAGANJ,MINAPUR,DIST -MUZAFFARPUR,BIHAR -843128 in MUZAFFARPUR, BIHAR. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.