The Nimaithi branch of Bihar Gramin Bank is located in the Darbhanga district of Bihar. For anyone needing to send money to an account at 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 electronic fund transfers through services like National Electronic Funds Transfer (NEFT), Real-Time Gross Settlement (RTGS), and Immediate Payment Service (IMPS) are routed correctly and securely to the intended recipient’s account.
Bihar Gramin Bank, Nimaithi Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Nimaithi |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100452 |
| Branch Address | Nimaithi, DARBHANGA, 847101, 9297955133 |
| Contact Number | 9297955133 |
| City | DARBHANGA |
| District | DARBHANGA |
| Pincode | 847101 |
| State | Bihar |
Important Update on Bank Merger
Previously, rural banking in Bihar was handled by two separate entities: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). These two banks have since been amalgamated 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a result of this merger, all old IFSC codes, including those starting with “UBGB,” have been officially revoked and are no longer valid. For all transactions to the Nimaithi branch, you must now use the new, consolidated IFSC code: PUNB0MBGB06. Using an old code will result in a failed transaction.
What is an IFSC Code?
The IFSC code 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 accurately.
Let’s break down the Nimaithi branch 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 uniquely identify the specific branch. For the Nimaithi branch, this identifier is MBGB06.
How to Use the IFSC Code for Fund Transfers
Using the IFSC code to send money is a straightforward process, whether you are using a bank’s website or mobile app. Here are the typical steps involved:
- Log in to your internet banking or mobile banking application.
- Navigate to the “Fund Transfer” or “Payments” section and select the transfer type (NEFT, RTGS, or IMPS).
- Add a new beneficiary or payee. You will be prompted to enter their details.
- Enter the recipient’s name, bank account number, and account type (savings or current).
- In the IFSC code field, carefully enter PUNB0MBGB06 for the Nimaithi branch.
- Verify all the details one last time and confirm the transaction, usually with a password or One-Time Password (OTP).
Benefits of Using the Correct IFSC Code
- Transaction Accuracy: It eliminates errors by ensuring your money is sent to the exact bank and branch you intend.
- Faster Processing: Correct codes allow for automated, straight-through processing, which minimizes delays.
- Security: The code is a key part of a secure system that prevents funds from being misdirected.
- Reduced Failures: Using the right IFSC code prevents transaction rejections, saving you the hassle of re-initiating payments.
Contact Information
For any specific queries, you can reach out to the branch or the bank’s head office directly.
- Nimaithi Branch Phone Number: 9297955133
- Nimaithi Branch Address: Nimaithi, DARBHANGA, 847101
- Bihar Gramin Bank Head Office: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
- Toll-Free Number: 18001807777
Frequently Asked Questions
Is the old Uttar Bihar Gramin Bank (UBGB) IFSC code still valid for the Nimaithi branch?
No. After the merger of UBGB and DBGB into Bihar Gramin Bank, all old IFSC codes were discontinued. You must use the new code, PUNB0MBGB06, for all transactions.
What happens if I accidentally use an incorrect IFSC code?
If the IFSC code you enter does not exist, the transaction will be rejected and the money will be credited back to your account. If the code exists but belongs to a different branch, the funds could be sent there, causing a delay while the receiving bank reverses the transaction.
Can I use PUNB0MBGB06 for IMPS, NEFT, and RTGS?
Yes, this IFSC code is valid for all three major online fund transfer methods: IMPS, NEFT, and RTGS.
Why does the IFSC code start with “PUNB” for Bihar Gramin Bank?
The first four letters represent the sponsor bank. Bihar Gramin Bank is sponsored by Punjab National Bank (PNB), so its IFSC codes start with “PUNB”.
How can I verify the IFSC code for a different branch?
The most reliable ways to find an IFSC code are by checking a bank-issued chequebook or passbook, visiting the bank’s official website, or contacting the branch directly.
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.