Bihar Gramin Bank DOGHARA IFSC Code

The Bihar Gramin Bank branch in DOGHARA is located in the Bhojpur district of Bihar. For anyone looking to send or receive money online to an account at this branch, the Indian Financial System Code (IFSC) is essential. This unique 11-character code ensures that your funds transferred via National Electronic Funds Transfer (NEFT), Real-Time Gross Settlement (RTGS), or Immediate Payment Service (IMPS) are routed to the correct bank branch without any errors.

Branch Details

Important Merger Update

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 since merged to form a single entity, now known as 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As a result of this merger, all old IFSC codes belonging to the former UBGB and DBGB have been discontinued and are no longer valid. For all electronic fund transfers to any branch of the newly formed Bihar Gramin Bank, including the DOGHARA branch, you must use the new IFSC code. The correct code for this branch is PUNB0MBGB06. Using an old, revoked code will cause your transaction to fail.

What is an IFSC Code?

The IFSC is a unique alphanumeric code assigned by the Reserve Bank of India (RBI) to every bank branch participating in the electronic funds transfer network. Its structure is designed to identify the specific branch involved in a transaction, ensuring accuracy and security.

Let’s break down the 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 the DOGHARA branch, this code 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 NEFT, RTGS, or IMPS, the steps are generally the same across all banking platforms.

1. Log into Net Banking or Mobile Banking: Access your bank account through its official website or mobile app.
2. Add a Beneficiary: Navigate to the “Fund Transfer” or “Payments” section and choose to add a new beneficiary or payee.
3. Enter Details: You will be prompted to enter the recipient’s information. This includes their name, bank account number, and the IFSC code of their bank branch, which is PUNB0MBGB06 for the Bihar Gramin Bank in DOGHARA.
4. Verify and Confirm: Double-check all the details you’ve entered, especially the account number and IFSC code, to prevent errors. Confirm the addition of the beneficiary, which may require an OTP (One-Time Password).
5. Initiate the Transfer: Once the beneficiary is added, you can select them from your list, enter the amount you wish to transfer, and complete the transaction.

Benefits of Using the Correct IFSC

• Transaction Accuracy: The primary benefit is ensuring your money reaches the intended recipient’s branch and account without any misdirection.
• Error Prevention: It eliminates the possibility of funds being sent to the wrong branch, which can cause significant delays and complications.
• Faster Processing: The code allows for automated processing of transactions, reducing manual intervention and speeding up the settlement time for NEFT and IMPS transfers.
• System Identification: It helps the banking system instantly identify both the sending and receiving bank branches, making the entire fund transfer network more efficient.

Contact Information

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

• Branch Contact Number: 9771464036
• Branch Address: DOGHARA, Bhojpur, Bihar, 802154
• Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number: 18001807777

Frequently Asked Questions

1. Can I still use my old Dakshin Bihar Gramin Bank (DBGB) IFSC code?

No. All old IFSC codes from the pre-merger banks (DBGB and UBGB) are invalid. You must use the new IFSC code, PUNB0MBGB06, for all transactions to the DOGHARA branch.

2. 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, the funds might be misdirected and the transaction will either be returned to your account after a delay or require manual intervention to resolve.

3. Is the IFSC code the same as the MICR code?

No, they are different. The IFSC code is used for online fund transfers like NEFT and RTGS. The MICR (Magnetic Ink Character Recognition) code is a 9-digit code found on cheques and is used for processing them.

4. Is the IFSC code required for all bank transfers?

Yes, the IFSC code is mandatory for all inter-bank transfers conducted through NEFT, RTGS, and IMPS in India. It is not required for cash deposits or for transfers within the same bank.

5. Where can I find the IFSC code for my branch?

The IFSC code is printed on your bank’s chequebook and passbook. It is also available on the bank’s official website and can be confirmed by contacting your branch directly.

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.