Bihar Gramin Bank Ujaina IFSC Code

The Bihar Gramin Bank branch in Ujaina is located in the Darbhanga district of Bihar. For anyone looking to send or receive money through this branch, understanding the Indian Financial System Code (IFSC) is essential. This unique 11-character code acts like a digital address, ensuring that online fund transfers using services like NEFT (National Electronic Funds Transfer), RTGS (Real-Time Gross Settlement), and IMPS (Immediate Payment Service) are routed to the correct bank and branch without any errors.

Branch Details

Important Merger Update

Previously, Bihar had two regional rural banks: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). These two banks have now been merged into a single entity, now known as Bihar Gramin Bank. This new bank is sponsored by Punjab National Bank (PNB).

Following this merger, the old IFSC codes for all UBGB and DBGB branches, including Ujaina, are no longer valid. All branches of the newly formed Bihar Gramin Bank now use a single, unified IFSC code for all transactions: PUNB0MBGB06. Please ensure you use only this new code for all future fund transfers to avoid rejection or delays.

What is an IFSC Code?

An IFSC code is a unique alphanumeric code assigned by the Reserve Bank of India (RBI) to identify every bank branch participating in the electronic funds transfer system. It helps to streamline and automate the process of transferring money. The 11-character code has a specific structure:

• First 4 Characters: These represent the name of the bank. In this case, PUNB stands for Punjab National Bank, which is the sponsor bank for Bihar Gramin Bank.
• Fifth Character: This is always a zero (0). It is kept as a control character for future use.
• Last 6 Characters: This part identifies the specific branch. For all branches of the merged Bihar Gramin Bank, 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 your bank’s mobile app or internet banking portal, the steps are generally the same.

1. Log in to your net banking or mobile banking account.
2. Navigate to the ‘Fund Transfer’ section and select the payment method (NEFT, RTGS, or IMPS).
3. Add a new beneficiary or payee. You will be asked to provide their details.
4. Enter the beneficiary’s name, account number, and the bank name.
5. In the IFSC code field, carefully enter PUNB0MBGB06 for the Ujaina branch of Bihar Gramin Bank.
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

• Accuracy: It ensures that your money is sent to the exact intended bank branch, eliminating routing errors.
• Speed: Correct codes enable automated processing, which makes transfers faster and more efficient.
• Security: It adds a layer of verification, reducing the risk of funds being sent to the wrong account.
• Error Prevention: The banking system can instantly validate the code, preventing transactions from being initiated with incorrect details.

Contact Information

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

• Branch Contact Number: 9297955185
• Branch Address: Ujaina, Darbhanga, Bihar – 847101
• Head Office Address: Shri Vishnu Commercial Complex, Asochak, Patna – 800030, Bihar
• Toll-Free Number: 18001807777

Frequently Asked Questions

1. What is the new and correct IFSC code for Bihar Gramin Bank, Ujaina branch?

The correct and only valid IFSC code for the Ujaina branch, and all other branches of Bihar Gramin Bank, is PUNB0MBGB06.

2. 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 represent the sponsor or parent bank.

3. Can I still use my old Uttar Bihar Gramin Bank (UBGB) IFSC code?

No. All old IFSC codes associated with Uttar Bihar Gramin Bank and Dakshin Bihar Gramin Bank are now invalid. Using an old code will result in a failed transaction.

4. What happens if I accidentally use an incorrect IFSC code?

If the IFSC code you enter does not exist, the transaction will be rejected immediately. If the code exists but belongs to a different branch, the funds could be delayed or may need to be reversed, which can take several business days.

5. Is the IFSC code the same for all branches of Bihar Gramin Bank?

Yes. After the merger of UBGB and DBGB, the new Bihar Gramin Bank uses a single, unified IFSC code (PUNB0MBGB06) for all its branches for NEFT, RTGS, and IMPS transactions.

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.