Bihar Gramin Bank Dharhara IFSC Code

The Bihar Gramin Bank branch in Dharhara is located in the Bhagalpur district of Bihar. For anyone looking to send or receive money online through this branch, understanding its Indian Financial System Code (IFSC) is essential. This unique 11-character code is required for all major electronic fund transfers in India, including National Electronic Funds Transfer (NEFT), Real-Time Gross Settlement (RTGS), and Immediate Payment Service (IMPS). The IFSC code acts like a digital address, ensuring your money reaches the correct bank branch without any errors or delays.

Branch Details

Important Merger Update

Previously, Bihar had two 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. Following this merger, Punjab National Bank (PNB) became the sponsor bank.

As a result, all old IFSC codes belonging to the former UBGB and DBGB have been discontinued. All branches of the newly formed Bihar Gramin Bank now use a new set of IFSC codes that start with ‘PUNB’. For the Dharhara branch, the only valid IFSC code for any online transaction is PUNB0MBGB06. Using an old or incorrect code will cause your transaction to fail.

What is an IFSC Code?

The Indian Financial System Code (IFSC) is a unique 11-character alphanumeric code assigned by the Reserve Bank of India (RBI) to every bank branch participating in the electronic funds transfer network. This code helps identify the specific branch involved in an online transaction, ensuring the money is routed correctly.

The structure of the IFSC code is straightforward:

• First 4 Characters: These represent the name of the bank. For Bihar Gramin Bank, it is ‘PUNB’, which stands for its sponsor, Punjab National Bank.
• Fifth Character: This is always a zero (0). It is reserved for future use.
• Last 6 Characters: This part is unique to each branch. For the Dharhara branch, it is ‘MBGB06’.

How to Use the IFSC Code for Fund Transfers

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

1. Log in to your internet banking account or mobile banking app.
2. Navigate to the ‘Fund Transfer’ or ‘Payments’ section. Select the transfer method (NEFT, RTGS, or IMPS).
3. Add a new beneficiary (the person you want to send money to). You will be asked to provide their name, bank account number, and the IFSC code of their bank branch.
4. Enter PUNB0MBGB06 in the IFSC code field if you are sending money to the Bihar Gramin Bank, Dharhara branch.
5. Double-check all the details to ensure accuracy, then enter the amount and confirm the transaction.

Benefits of Using the Correct IFSC Code

• Ensures Accuracy: It directs your funds to the exact bank and branch, eliminating the risk of sending money to the wrong location.
• Prevents Failures: Using the correct code is mandatory for electronic transfers. An incorrect code will lead to a failed transaction.
• Speeds Up Transfers: The code allows for automated processing of transactions, making transfers faster and more efficient.
• Secure Transactions: It is a key component in the security framework for online banking, helping to verify the destination of funds.

Contact Information

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

• Branch Phone Number: 8102926345
• Branch Address: Dharhara, Bhagalpur, 853204, Bihar
• Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number: 18001807777

Frequently Asked Questions

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

It starts with ‘PUNB’ because Punjab National Bank is the sponsor bank for Bihar Gramin Bank after the merger of Uttar and Dakshin Bihar Gramin Banks.

What happens if I use an old IFSC code for a transfer?

The transaction will be rejected. The old codes for Uttar Bihar Gramin Bank and Dakshin Bihar Gramin Bank are no longer valid. The funds will be reversed to your account, but it may take a few business days.

Is the IFSC code the same for all branches of Bihar Gramin Bank?

No. While the first four letters (‘PUNB’) are common, the last six characters are unique to each branch. You must use the specific code for the branch you are transacting with.

Do I need an IFSC code to receive money through UPI?

No, UPI transactions primarily use a Virtual Payment Address (VPA) or QR code. However, your bank account, which is linked to your UPI ID, is identified by its IFSC code in the background banking system.

Can I find the IFSC code on my chequebook?

Yes, the IFSC code for your branch is typically printed on the top of every cheque leaf in your chequebook, along with the MICR code.

Kriti Kumari

Kritti Kumari is a banker and MBA graduate who writes about banking, finance, and customer-friendly services. She simplifies complex financial products into easy guides, helping readers understand Bihar Gramin Bank’s offerings and make smarter money decisions.