Bihar Gramin Bank BHARTHAULI IFSC Code

The Bharthauli branch of Bihar Gramin Bank is located in Aurangabad, Bihar. For any online money transfer to this branch, you need its unique Indian Financial System Code (IFSC). This 11-character code acts as a specific address for the branch, ensuring that funds sent through services like National Electronic Funds Transfer (NEFT), Real-Time Gross Settlement (RTGS), and Immediate Payment Service (IMPS) reach the correct account without errors or delays.

Branch Details

Bank Name	Bihar Gramin Bank
Branch Name	BHARTHAULI
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	7094
Branch Address	BHARTHAULI, Aurangabad, 824101, 9771464094
Contact Number	9771464094
City	Aurangabad
District	Aurangabad
Region	AURANGABAD
Pincode	824101
State	Bihar

Important Merger Update

Bihar Gramin Bank was formed by merging two regional rural banks: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). After this amalgamation, the bank is sponsored by Punjab National Bank (PNB). As a result, all branches now use a new, unified IFSC code structure. The old IFSC codes previously used by UBGB and DBGB are no longer valid and have been discontinued. For any transaction to the Bharthauli branch or any other Bihar Gramin Bank branch, you must use the new IFSC code, which starts with ‘PUNB’. Using an old code will result in a failed transaction.

What is an IFSC Code?

An IFSC code is an 11-character alphanumeric code that uniquely identifies a bank branch participating in the NEFT system. The Reserve Bank of India (RBI) assigns these codes to ensure the smooth and accurate processing of electronic payments. The structure of the code can be broken down as follows:

• First 4 Characters: These represent the name of the bank. For Bihar Gramin Bank, the code is PUNB, which stands for its sponsor, Punjab National Bank.
• Fifth Character: This is always a zero (0). It is a control character reserved for future use.
• Last 6 Characters: This part of the code identifies the specific branch. For the Bharthauli branch, it is MBGB06.

How to Use the IFSC Code for Fund Transfers

Using the IFSC code for an online money transfer is a straightforward process. Whether you are using a mobile banking app or an internet banking portal, the steps are generally the same.

1. Log in to your net banking account or mobile banking application.
2. Navigate to the ‘Fund Transfer’ or ‘Payments’ section and select NEFT, RTGS, or IMPS.
3. Choose the option to add a new beneficiary or payee.
4. Enter the recipient’s details: their name, account number, and bank name.
5. In the IFSC code field, carefully enter PUNB0MBGB06 for the Bharthauli branch.
6. Verify all the details to ensure accuracy and confirm the addition of the beneficiary.
7. Once the beneficiary is added, you can initiate the transfer by entering the amount and your transaction password or PIN.

Benefits of Using the Correct IFSC Code

• Ensures Accuracy: The primary benefit is that it routes your money to the exact intended bank branch, eliminating transfer errors.
• Prevents Delays: A correct code allows for automated processing, which means your transaction is completed faster without manual intervention.
• Avoids Transaction Failures: Using an incorrect or outdated IFSC code is one of the most common reasons for a transaction to be rejected.
• Secure Transactions: The code is a key part of the security framework for electronic payments in India, ensuring funds are handled correctly.

Contact Information

For any direct inquiries or assistance, you can contact the branch or the head office.

Branch Contact:
Phone: 9771464094
Address: BHARTHAULI, Aurangabad, Bihar – 824101

Head Office:
Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll-Free Number: 18001807777

Frequently Asked Questions

1. What is the correct IFSC code for Bihar Gramin Bank, Bharthauli branch?
The correct and updated IFSC code for the Bharthauli branch is PUNB0MBGB06.

2. Can I still use my old Dakshin Bihar Gramin Bank (DBGB) IFSC code?
No. Following the merger, all old IFSC codes for both Dakshin Bihar Gramin Bank and Uttar Bihar Gramin Bank are invalid. You must use the new code for all transactions to avoid failure.

3. Why does the Bihar Gramin Bank IFSC code start with ‘PUNB’?
The code starts with ‘PUNB’ because Bihar Gramin Bank is sponsored by Punjab National Bank (PNB). The first four letters of an IFSC code represent the sponsor or parent bank.

4. What is the difference between an IFSC code and a MICR code?
An IFSC code is used for online fund transfers like NEFT and RTGS. A MICR (Magnetic Ink Character Recognition) code is a 9-digit code found at the bottom of a cheque leaf, used for the faster processing of cheques.

5. What should I do if my transaction fails even with the correct IFSC code?
If a transaction fails, first double-check that you have entered the beneficiary’s account number and the IFSC code correctly. If the details are correct, the issue might be a temporary network problem or a restriction on the beneficiary’s account. It is best to contact your bank’s customer support for assistance.