The Bihar Gramin Bank branch in GIRIDHAR BARAON is located in the Buxar 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 11-character code acts like a specific address for the bank branch, ensuring that electronic 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 recipient.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | GIRIDHAR BARAON |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 7455 |
| Branch Address | GIRIDHAR BARAON, Buxar, 802127 |
| Contact Number | 7781004455 |
| City | Buxar |
| District | Buxar |
| Region | BHABHUA |
| Pincode | 802127 |
| State | Bihar |
Important Merger Update
Previously, Bihar had two regional rural banks: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). These banks have since been amalgamated. Following the merger and sponsorship by Punjab National Bank (PNB), all branches of the former UBGB and DBGB now operate under a unified system. A key outcome of this merger is the implementation of a single, universal IFSC code for all branches.
The old, individual branch IFSC codes for UBGB and DBGB are no longer valid and have been revoked. For any transaction to a Bihar Gramin Bank account, including the GIRIDHAR BARAON branch, you must use the new IFSC code: PUNB0MBGB06. Using an outdated code will result in a failed transaction.
What is an IFSC Code?
The 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 network. The code has a specific structure that helps in routing transactions without manual intervention.
Let’s break down the IFSC code PUNB0MBGB06:
- PUNB: The first four alphabetic characters represent the name of the bank. In this case, it stands for Punjab National Bank, the sponsor bank after the merger.
- 0: The fifth character is always a zero. It is a control character reserved for future use.
- MBGB06: The last six characters identify the specific bank entity. After the amalgamation, this part of the code is used universally for all branches of the merged bank.
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 a bank’s mobile app or website, the steps are generally the same.
- Log in to your internet banking account or mobile banking application.
- Navigate to the “Fund Transfer” section and choose the payment method: NEFT, RTGS, or IMPS.
- Add a new beneficiary (the person you want to send money to). You will need to enter their name, bank account number, and the bank’s IFSC code.
- For any Bihar Gramin Bank account, enter the IFSC code as PUNB0MBGB06.
- Enter the amount you wish to transfer and any remarks.
- Verify the details and confirm the transaction, usually with an OTP (One-Time Password) or transaction PIN.
Benefits of Using the Correct IFSC Code
- Accuracy: It ensures that your money is sent to the exact bank and branch, eliminating the risk of it going to the wrong account.
- Speed: The code enables automated processing of transactions, making fund transfers faster and more efficient.
- Security: By correctly identifying the destination branch, the IFSC code adds a layer of security to electronic payments.
- Accessibility: It is the standard code required for all major domestic online payment systems in India, including NEFT, RTGS, and IMPS.
Contact Information
For direct assistance, you can contact the branch or the bank’s head office.
- Branch Contact Number: 7781004455
- Branch Address: GIRIDHAR BARAON, Buxar, Bihar – 802127
- Head Office Address: Shri Vishnu Commercial Complex, Asochak, Patna – 800030, Bihar
- Toll-Free Number: 18001807777
Frequently Asked Questions
1. Is the IFSC code for the GIRIDHAR BARAON branch different from other Bihar Gramin Bank branches?
No. After the bank merger, all branches of the amalgamated Bihar Gramin Bank, including GIRIDHAR BARAON, use the single, universal IFSC code PUNB0MBGB06.
2. What happens if I use an old IFSC code from before the merger?
If you use an old or incorrect IFSC code, the transaction will be automatically rejected. The funds will be credited back to your account, but this process can sometimes take a few business days.
3. Can I use this IFSC code for international money transfers?
No, the IFSC code is only for domestic fund transfers within India. For receiving money from another country, you will need a SWIFT code, which you can get from the bank.
4. Where else can I find my bank’s IFSC code?
The IFSC code is printed on the bank’s cheque books and on the front page of the account passbook. You can also find it on the bank’s official website.
5. What is the difference between NEFT and RTGS?
NEFT (National Electronic Funds Transfer) is used for transferring any amount of money, and transactions are processed in hourly batches. RTGS (Real-Time Gross Settlement) is typically used for high-value transactions (above ₹2 lakh), and the funds are settled instantly, in real-time.
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.