Bihar Gramin Bank DUMRAON IFSC Code

The Bihar Gramin Bank branch in DUMRAON, located in the Buxar district of Bihar, serves the local community with essential banking services. For anyone looking to send or receive money online through this branch, understanding its Indian Financial System Code (IFSC) is crucial. This code acts as a unique address for the bank branch, ensuring that digital fund transfers through systems like NEFT (National Electronic Funds Transfer), RTGS (Real-Time Gross Settlement), and IMPS (Immediate Payment Service) are routed correctly and securely to the intended account.

Branch Details

Bank Name	Bihar Gramin Bank
Branch Name	DUMRAON
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	MBGB06
Branch Address	DUMRAON, Buxar, 802119
Contact Number	9771464037
City	Buxar
District	Buxar
Region	BHABHUA
Pincode	802119
State	Bihar

Important Merger Update

Bihar Gramin Bank was formed through the amalgamation of two separate regional rural banks: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). After this merger, Punjab National Bank (PNB) became the sponsor bank. As a result, a single, universal IFSC code was issued for all branches of the newly formed Bihar Gramin Bank. The correct and only valid IFSC code to use for any transaction is PUNB0MBGB06. Please note that all old IFSC codes belonging to UBGB and DBGB have been discontinued and are no longer valid. Using an old code will result in a failed transaction.

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 the electronic funds transfer system. The code has a specific structure that helps route transactions accurately.

Let’s break down the IFSC code PUNB0MBGB06:

• PUNB: The first four alphabetic characters represent the sponsor bank, which is Punjab National Bank.
• 0: The fifth character is always a zero. It is reserved for future use.
• MBGB06: The last six characters identify the bank. In this case, it is a universal identifier for all branches of the merged Bihar Gramin Bank (formerly Madhya Bihar Gramin Bank, whose code is retained). For this bank, the last six digits do not signify a specific branch but the entire bank network.

How to Use the IFSC Code for Fund Transfers

Using the IFSC code for an online transaction is straightforward. 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.
3. Choose the payment method: NEFT, RTGS, or IMPS.
4. Select the option to ‘Add a new beneficiary’ or ‘Add a new payee’.
5. Enter the required details for the person you want to pay: their name, account number, and bank details.
6. In the IFSC code field, carefully enter PUNB0MBGB06.
7. Double-check all the details to ensure they are correct and confirm the addition of the beneficiary.
8. 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 ensuring your money goes to the exact bank branch and account you intend it for.
• Prevents Errors and Delays: A correct IFSC code prevents transactions from being rejected or delayed due to routing errors.
• Enables Fast Processing: It allows automated systems to quickly identify the destination bank, speeding up NEFT, RTGS, and IMPS transactions.
• Enhances Security: By confirming the destination branch, the IFSC code adds a layer of validation to your financial transactions.

Contact Information

For any direct inquiries or assistance, you can reach out to the bank through the following channels:

Branch Contact
Phone Number: 9771464037
Address: DUMRAON, Buxar, Bihar – 802119

Head Office
Address: Shri Vishnu Commercial Complex, Asochak, Patna – 800030, Bihar

Customer Support
Toll-Free Number: 18001807777

Frequently Asked Questions (FAQs)

1. Is PUNB0MBGB06 the IFSC code only for the DUMRAON branch?
No. Following the merger of regional rural banks in Bihar, PUNB0MBGB06 was established as the single, common IFSC code for all branches of Bihar Gramin Bank. You can use this code for a transaction to any branch of the bank.

2. Can I still use an old Dakshin Bihar Gramin Bank (DBGB) IFSC code?
No, you cannot. All IFSC codes associated with the former Dakshin Bihar Gramin Bank and Uttar Bihar Gramin Bank are now invalid. Using them will cause your transaction to fail. Only PUNB0MBGB06 should be used.

3. What happens if I enter the wrong IFSC code?
If you enter an incorrect or invalid IFSC code, the transaction will most likely be rejected by the system, and the funds will be credited back to your account within a few hours or days. To avoid this, always double-check the code before confirming a transaction.

4. Do I need an IFSC code for UPI payments?
No. UPI (Unified Payments Interface) transactions operate using a Virtual Payment Address (VPA), such as yourname@bank. They do not require you to enter an account number or IFSC code manually.

5. Why does the IFSC code start with ‘PUNB’ for Bihar Gramin Bank?
The first four letters, ‘PUNB’, represent the sponsor bank. In this case, Punjab National Bank is the sponsor bank for Bihar Gramin Bank, so its identifier is used at the beginning of the IFSC code.