Bihar Gramin Bank DHARAHARA IFSC Code

The DHARAHARA branch of Bihar Gramin Bank is located in the Bhojpur district of Bihar. For anyone needing to send or receive money online through this branch, understanding the Indian Financial System Code (IFSC) is essential. This unique 11-character code acts like a specific address for the bank branch, ensuring that your funds transferred via NEFT, RTGS, or IMPS reach the correct account without any errors or delays.

Branch Details

Bank Name	Bihar Gramin Bank
Branch Name	DHARAHARA
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	MBGB06
Branch Address	DHARAHARA, Bhojpur, 802301
Contact Number	9771464442
City	Bhojpur
District	Bhojpur
Region	ARA
Pincode	802301
State	Bihar

Important Merger Update

Bihar Gramin Bank was formed by merging two former regional rural banks: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). Following this amalgamation, the bank is now sponsored by Punjab National Bank (PNB). As a result of this change, all old IFSC codes belonging to the former UBGB and DBGB have been discontinued. For all transactions, you must use the new, unified IFSC code. The correct and valid IFSC code for any Bihar Gramin Bank branch, including DHARAHARA, starts with ‘PUNB’ and is structured as PUNB0MBGB06. Using an old code will lead to transaction failure.

What is an IFSC Code?

The Indian Financial System Code (IFSC) is an 11-digit alphanumeric code assigned by the Reserve Bank of India (RBI) to every bank branch participating in the electronic funds transfer system. It helps to uniquely identify a specific branch, ensuring that money transfers are routed correctly. The code has a specific structure.

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

• PUNB: The first four alphabetic characters represent the name of the sponsor bank. In this case, it is Punjab National Bank.
• 0: The fifth character is always a zero. It is reserved for future use by the RBI.
• MBGB06: The last six characters represent the specific branch of the bank. This part of the code uniquely identifies the DHARAHARA branch within the Bihar Gramin Bank network.

How to Use the IFSC Code for Fund Transfers

Using the IFSC code for an online money transfer is a straightforward process. Whether you use your 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 application.
2. Navigate to the ‘Fund Transfer’ section and choose the payment method: NEFT, RTGS, or IMPS.
3. Add the recipient as a ‘beneficiary’. You will need to provide their name, account number, and bank details.
4. In the bank details section, carefully enter the IFSC code: PUNB0MBGB06.
5. Double-check all the details, especially the account number and IFSC code, to prevent errors.
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

• Accurate Transfers: It guarantees that your money is sent to the exact intended bank branch and account.
• Prevents Errors: Using the right code minimizes the risk of failed transactions or funds being sent to the wrong destination.
• Faster Processing: Correct IFSC codes enable automated systems to process transactions quickly and efficiently, without manual intervention.
• Universal Requirement: It is a mandatory requirement for all major electronic payment systems in India, including NEFT, RTGS, and IMPS.

Contact Information

For any questions or direct assistance, you can contact the branch or the bank’s head office.

• Branch Contact Number: 9771464442
• Branch Address: DHARAHARA, Bhojpur, Bihar – 802301
• Head Office Address: Bihar Gramin Bank, SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number: 18001807777

Frequently Asked Questions (FAQs)

1. What is the current and valid IFSC code for the Bihar Gramin Bank, DHARAHARA branch?
The correct and currently valid IFSC code is PUNB0MBGB06. Make sure to use this code for all your online transactions.

2. Can I still use my old Dakshin Bihar Gramin Bank (DBGB) IFSC code?
No. After the merger, all old IFSC codes for both Dakshin Bihar Gramin Bank and Uttar Bihar Gramin Bank have been revoked. Using an old code will result in a failed transaction.

3. Why does the IFSC code for Bihar Gramin Bank 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 always identify the parent or sponsor bank.

4. What happens if I enter the wrong IFSC code during a fund transfer?
If the IFSC code you entered does not exist, the transaction will be rejected by your bank. If the code exists but belongs to a different branch, the funds could be credited to an unintended account at that branch, making recovery difficult. It is crucial to always verify the IFSC code before confirming a transaction.

5. Is the MICR code the same as the IFSC code?
No, they are different. The MICR (Magnetic Ink Character Recognition) code is a 9-digit code used for processing cheques, while the IFSC code is an 11-character alphanumeric code used for online fund transfers. The MICR code for this branch is 800811002.