Bihar Gramin Bank Ramjanipur IFSC Code

The Ramjanipur branch of Bihar Gramin Bank is located in the Bhagalpur district of Bihar. For anyone looking to send or receive money online to an account at this branch, understanding the Indian Financial System Code (IFSC) is essential. This unique 11-character code ensures that your funds, whether transferred through NEFT, RTGS, or IMPS, are routed correctly and securely to the intended bank branch, preventing errors and delays.

Branch Details

Bank Name	Bihar Gramin Bank
Branch Name	Ramjanipur
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	3626
Branch Address	Ramjanipur, Bhagalpur, 812001, 8102926346
Contact Number	8102926346
City	Bhagalpur
District	Bhagalpur
State	Bihar
Pincode	812001

Important Merger Update

Bihar Gramin Bank was formed by the merger of two former regional rural banks: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). This new entity is sponsored by Punjab National Bank (PNB). Following this amalgamation, the old IFSC codes associated with UBGB and DBGB branches are no longer valid and have been revoked. All branches of the newly formed Bihar Gramin Bank, including Ramjanipur, now use a single, unified IFSC code: PUNB0MBGB06. Please ensure you use only this new code for all future transactions to avoid failure or reversal of payments.

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 electronic fund transfer systems. The code has a specific structure that helps route transactions correctly.

Let’s break down the IFSC code PUNB0MBGB06:

• PUNB: The first four letters represent the name of the sponsor bank. In this case, it stands for Punjab National Bank.
• 0: The fifth character is always a zero. It is reserved for future regulatory use.
• MBGB06: The last six characters uniquely identify the bank. After the merger, this code is used to represent all branches of Bihar Gramin Bank.

How to Use the IFSC Code for Fund Transfers

Using the IFSC code is a standard step when sending money online. While the exact interface may vary slightly between banks, the process is generally the same for NEFT, RTGS, and IMPS transactions.

1. Log in to your internet banking portal or mobile banking app.
2. Navigate to the ‘Fund Transfer’ or ‘Payments’ section. You will need to add the recipient as a ‘beneficiary’ first.
3. Enter the beneficiary’s details: their name, account number, and the bank name.
4. You will be prompted to enter the IFSC code of the recipient’s branch. For the Ramjanipur branch, you would enter PUNB0MBGB06.
5. Verify all the details, enter the amount you wish to transfer, and confirm the transaction using your password or OTP.

Benefits of Using the Correct IFSC Code

• Ensures Accuracy: The primary benefit is that it directs your money to the exact bank and branch, eliminating guesswork and reducing the risk of errors.
• Prevents Delays: A correct IFSC code allows for automated, straight-through processing, which means your transfer is completed quickly without manual intervention.
• Enables Electronic Payments: It is a mandatory requirement for participating in India’s key electronic payment systems like NEFT, RTGS, and IMPS.
• Reduces Transaction Failures: Using an invalid or old code will result in the transaction being rejected, causing inconvenience and delays.

Contact Information

For any direct inquiries or assistance, you can reach out to the bank.

Branch Contact

• Phone Number: 8102926346
• Address: Ramjanipur, Bhagalpur, Bihar – 812001

Head Office

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

Frequently Asked Questions

1. What is the new IFSC code for the Bihar Gramin Bank Ramjanipur branch?
The correct and current IFSC code for the Ramjanipur branch, and all other branches of Bihar Gramin Bank, 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 have been deactivated. Using them will cause your transaction to fail.

3. Why does the IFSC code start with ‘PUNB’ instead of something related to Bihar Gramin Bank?
The first four letters of the IFSC code represent the sponsor bank. Since Punjab National Bank (PNB) is the sponsor bank for Bihar Gramin Bank, the code begins with ‘PUNB’.

4. What happens if I accidentally enter the wrong IFSC code?
If the IFSC code you enter does not exist, the transaction will be rejected immediately by your bank. If the IFSC code exists but does not match the beneficiary’s bank, the funds may be credited to the wrong branch or returned to your account after a few working days.

5. How can I verify the IFSC code for my branch?
The IFSC code is printed on the chequebook and the front page of the passbook issued by the bank. You can also confirm it by contacting the branch directly or visiting the bank’s official website.