Bihar Gramin Bank Benipur IFSC Code

The Bihar Gramin Bank branch in Benipur is located in the Darbhanga district of Bihar. For anyone needing to send or receive money through this branch, understanding its Indian Financial System Code (IFSC) is essential. This unique 11-character code is required for all major online fund transfers in India, including National Electronic Funds Transfer (NEFT), Real-Time Gross Settlement (RTGS), and Immediate Payment Service (IMPS). The IFSC code ensures that your money is routed correctly to the specific bank branch, preventing errors and delays in transactions.

Branch Details

Bank Name	Bihar Gramin Bank
Branch Name	Benipur
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	MBGB06
Branch Address	Benipur, DARBHANGA, 847103
Contact Number	9297955077
City	DARBHANGA
District	DARBHANGA
Pincode	847103
State	Bihar

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 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As a result of this merger, all old IFSC codes belonging to the former UBGB and DBGB branches have been revoked and are no longer valid. All branches of Bihar Gramin Bank, including the Benipur branch, now use a new, unified IFSC code structure. The correct and current IFSC code for any transaction with this branch is 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 system. The code has a specific structure that helps route transactions accurately.

Let’s break down the IFSC code PUNB0MBGB06:

• PUNB: The first four letters represent the bank’s name. In this case, it stands for Punjab National Bank, the sponsor bank for Bihar Gramin Bank.
• 0: The fifth character is always a zero. It is reserved for future use by the RBI.
• MBGB06: The last six characters are unique to the specific branch. For the Benipur branch, this identifier 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 a mobile banking app or a desktop website, the steps are generally the same.

1. Log into your bank’s net banking portal or mobile application.
2. Navigate to the ‘Fund Transfer’ section and select the transfer type (NEFT, RTGS, or IMPS).
3. Add a new beneficiary or payee. You will be prompted to enter their details.
4. Enter the beneficiary’s name, account number, and bank name.
5. Carefully enter the IFSC code for the recipient’s branch. For the Benipur branch, this is PUNB0MBGB06.
6. Enter the amount you wish to transfer, add any remarks, and confirm the transaction, usually with an OTP or transaction password.

Benefits of Knowing the Correct IFSC Code

Using the right IFSC code is not just a formality; it has several practical benefits:

• Transaction Accuracy: It ensures your money goes to the intended bank and branch without any errors.
• Faster Processing: Correct codes allow for automated, straight-through processing, which minimizes delays.
• Error Prevention: It eliminates the risk of funds being sent to the wrong branch or getting stuck in transit due to incorrect details.
• Universal Requirement: The code is mandatory for all major electronic fund transfer systems in India, making it a key piece of information for modern banking.

Contact Information

If you need to contact the branch or the bank’s head office, you can use the following details:

Benipur Branch

• Phone Number: 9297955077
• Address: Benipur, Darbhanga, Bihar – 847103

Bihar Gramin Bank Head Office

• Address: Shri Vishnu Commercial Complex, Asochak, Patna – 800030, Bihar
• Toll-Free Number: 1800-180-7777

Frequently Asked Questions (FAQs)

Why does the Bihar Gramin Bank IFSC code start with ‘PUNB’?
The first four letters of the IFSC code represent the sponsor bank. Since Punjab National Bank (PNB) is the sponsor bank for Bihar Gramin Bank, the code begins with ‘PUNB’.

Is the old Uttar Bihar Gramin Bank (UBGB) IFSC code still valid for the Benipur branch?
No. After the merger of UBGB and DBGB, all old IFSC codes were deactivated. You must use the new, unified IFSC code (PUNB0MBGB06) for all transactions to the Benipur branch.

What happens if I enter the wrong IFSC code?
If the IFSC code you enter does not exist, the transaction will likely be rejected immediately by your bank. If the code exists but points to the wrong branch, the funds could be credited to an unintended account or be returned after a delay. It’s always best to double-check the code before confirming a transfer.

Can I use this IFSC code for all types of online transfers like NEFT, RTGS, and IMPS?
Yes, the IFSC code PUNB0MBGB06 is valid for all three major electronic fund transfer methods: NEFT, RTGS, and IMPS.

How can I verify the IFSC code for my branch?
You can find the correct IFSC code on your bank-issued chequebook or passbook. It is also available on the official website of Bihar Gramin Bank or by contacting the branch directly.