Bihar Gramin Bank Araria IFSC Code

The Bihar Gramin Bank branch in Araria provides essential banking services to the local community. For anyone looking to send or receive money online, understanding the branch’s Indian Financial System Code (IFSC) is critical. This unique code is a requirement for all major electronic fund transfer systems in India, including National Electronic Funds Transfer (NEFT), Real-Time Gross Settlement (RTGS), and Immediate Payment Service (IMPS). It ensures that your money is routed correctly and securely to the intended bank branch without any errors.

Bihar Gramin Bank, Araria Branch Details

Bank Name	Bihar Gramin Bank
Branch Name	Araria
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	MBGB06
Branch Address	Araria, ARARIA, 854311, 9297954355
Contact Number	9297954355
City	ARARIA
District	ARARIA
Reason	ARARIA
Pincode	854311
State	Bihar

Important Update on Bank Merger

Previously, banking services in the region were provided by two separate entities: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). These two banks have now been merged to form a single entity, 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As a result of this merger, all old IFSC codes belonging to UBGB and DBGB are now invalid and have been revoked. A single, unified IFSC code is now used for all branches of Bihar Gramin Bank, which is PUNB0MBGB06. Please ensure you use only this new code for all future transactions to avoid failures or delays.

What is an IFSC Code?

The Indian Financial System Code (IFSC) is an 11-character alphanumeric code assigned by the Reserve Bank of India (RBI) to identify every bank branch participating in the electronic funds transfer network. The code has a specific structure that helps route transactions accurately.

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

• PUNB: The first four letters represent the bank’s name. 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 use.
• MBGB06: The last six characters identify the specific branch. For all branches of the newly merged Bihar Gramin Bank, this part is ‘MBGB06’.

How to Use the IFSC Code for Fund Transfers

Using the IFSC code is a straightforward part of any online money transfer. Whether you are using a mobile banking app or a web portal, the steps are generally the same.

1. Log in to your net banking or mobile banking application.
2. Navigate to the ‘Fund Transfer’ or ‘Payments’ section and select the payment method (NEFT, RTGS, or IMPS).
3. Add a new beneficiary or payee. You will be prompted to enter the recipient’s details.
4. Enter the recipient’s name, bank account number, and the IFSC code: PUNB0MBGB06.
5. Double-check all the details, especially the account number and IFSC code, to ensure accuracy.
6. Enter the amount you wish to transfer and confirm the transaction, usually with an OTP or transaction password.

Benefits of Using the Correct IFSC Code

• Ensures Accuracy: The code directs your funds to the exact bank and branch, eliminating the risk of money being sent to the wrong location.
• Prevents Delays: Using the correct IFSC code helps in the smooth and swift processing of your transaction without any holds or rejections.
• Required for Automation: Electronic payment systems rely on the IFSC code to automate the fund transfer process, making it fast and efficient.
• Unique Identification: It provides a unique identity to each bank branch, which is crucial for the integrity of the national payment systems.

Contact Information

For any direct inquiries, you can reach out to the branch or the head office.

• Branch Contact Number: 9297954355
• Branch Address: Araria, ARARIA, 854311, Bihar
• Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number: 18001807777

Frequently Asked Questions

1. Why does the Bihar Gramin Bank IFSC code start with ‘PUNB’?

The code starts with ‘PUNB’ because Punjab National Bank (PNB) is the sponsor bank for Bihar Gramin Bank after the merger of UBGB and DBGB. The IFSC format reflects the sponsor bank.

2. Can I still use my old Uttar Bihar Gramin Bank (UBGB) IFSC code?

No. All old IFSC codes from both Uttar Bihar Gramin Bank and Dakshin Bihar Gramin Bank are now discontinued. Using an old code will result in a failed transaction. You must use the new code, PUNB0MBGB06.

3. Is the IFSC code PUNB0MBGB06 the same for all Bihar Gramin Bank branches?

Yes, following the merger and system integration, a single IFSC code (PUNB0MBGB06) has been implemented for all branches of Bihar Gramin Bank for centralized processing.

4. What happens if I enter the wrong IFSC code?

If the IFSC code you enter does not exist, the transaction will be rejected immediately. If it corresponds to a different branch, your fund transfer could be delayed or credited to an incorrect account, leading to a lengthy reversal process.

5. How can I verify the correct IFSC code for a transaction?

You can confirm the IFSC code on your bank’s official website, on your chequebook, or by contacting the branch directly. For Bihar Gramin Bank, the current and correct code is PUNB0MBGB06.