Bihar Gramin Bank Pachpakri IFSC Code

The Bihar Gramin Bank branch located in Pachpakri, East Champaran district, Bihar, is an important banking touchpoint for residents in the area. When you need to transfer funds electronically, whether through NEFT (National Electronic Funds Transfer), RTGS (Real-Time Gross Settlement), or IMPS (Immediate Payment Service), a unique code called the IFSC (Indian Financial System Code) is essential. This code ensures your money reaches the correct bank and specific branch, making your transactions smooth and secure.

Branch Details

Detail	Information
Bank Name	Bihar Gramin Bank
Branch Name	Pachpakri
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	100205
Branch Address	Pachpakri, EAST CHAMPARAN, 845427
Contact Number	9297954677
City	EAST CHAMPARAN
District	EAST CHAMPARAN
Reason	MOTIHARI
Pincode	845427
State	Bihar

Merger Update

For customers of what were formerly Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB), it’s important to know about the significant merger that took place. Both banks have merged to form the single entity known as Bihar Gramin Bank. This new bank is sponsored by Punjab National Bank (PNB).

As a result of this merger, all branches of Bihar Gramin Bank now operate under a unified IFSC code structure, which begins with PUNB0MBGB. Specifically, for the Pachpakri branch, the IFSC code is PUNB0MBGB06. It is crucial to understand that any old IFSC codes previously associated with UBGB or DBGB are no longer valid for transactions. You must use the new code, PUNB0MBGB06, for all your fund transfers to this branch.

What is an IFSC Code?

IFSC stands for Indian Financial System Code. It is a unique 11-character alphanumeric code assigned by the Reserve Bank of India (RBI) to every bank branch participating in online funds transfers. This code is crucial for identifying the specific bank and branch for electronic transactions.

The 11 characters of an IFSC code are structured in a particular way:

• The first four characters represent the bank code. For Bihar Gramin Bank, as it is sponsored by Punjab National Bank, the code starts with PUNB.
• The fifth character is always a zero (0). This character is reserved for future use.
• The last six characters identify the specific branch. In the case of the Pachpakri branch, these characters are MBGB06.

So, the full IFSC code PUNB0MBGB06 clearly identifies the Bihar Gramin Bank (sponsored by PNB) and its Pachpakri branch.

How to Use an IFSC Code

Using an IFSC code correctly is simple and vital for any electronic fund transfer. Here’s how you’ll typically use it:

1. Add Beneficiary: When you want to send money to a new person or entity, your online banking portal or mobile app will ask you to add them as a beneficiary.
2. Enter Details: You will need to provide the beneficiary’s name, account number, and the correct IFSC code of their bank branch. For the Pachpakri branch of Bihar Gramin Bank, you would enter PUNB0MBGB06.
3. Select Transfer Type: Choose the type of transfer you want to make, such as NEFT, RTGS, or IMPS.
4. Confirm Transaction: Before confirming the transfer, always double-check the beneficiary’s account number and the IFSC code. Even a single incorrect digit can lead to the transaction failing or, in rare cases, funds being sent to the wrong account.

The IFSC code acts as a digital address, guiding your money safely and accurately to its intended destination.

Benefits of Knowing Your IFSC Code

Having easy access to the correct IFSC code offers several advantages for banking:

• It enables secure and efficient electronic fund transfers via NEFT, RTGS, and IMPS.
• It ensures that your money reaches the specific bank branch you intend.
• It is mandatory for setting up new beneficiaries for online transactions.
• It helps in quick processing of payments, especially for time-sensitive transactions like RTGS.
• It reduces the chances of errors and transaction failures that can occur with manual checks.

Contact Information

If you need to get in touch with the Bihar Gramin Bank, Pachpakri branch, or the head office, here are the details:

• Branch Phone Number: 9297954677
• Branch Address: Pachpakri, EAST CHAMPARAN, 845427
• Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number: 18001807777

Frequently Asked Questions (FAQs)

Here are some common questions about the IFSC code for Bihar Gramin Bank, Pachpakri branch:

Q1: What do the different parts of the IFSC code PUNB0MBGB06 mean?
A1: The first four characters, PUNB, identify Punjab National Bank, the sponsor bank. The fifth character is always 0. The last six characters, MBGB06, uniquely identify the Pachpakri branch of Bihar Gramin Bank.

Q2: Can I still use an old Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB) IFSC code for a transaction to this branch?
A2: No. Following the merger, all old UBGB and DBGB IFSC codes are invalid. You must use the new, unified IFSC code PUNB0MBGB06 for any transactions to the Pachpakri branch of Bihar Gramin Bank.

Q3: What happens if I enter the wrong IFSC code during a fund transfer?
A3: If the IFSC code is incorrect, your transaction will likely fail. The funds will usually be reversed to your account within a few hours or one to two working days. In rare cases, if the incorrect code matches another valid account, funds might be transferred incorrectly, leading to delays and complications to recover the money.

Q4: Is the IFSC code the same for all Bihar Gramin Bank branches?
A4: No. While the first five characters (e.g., PUNB0) are generally consistent for Bihar Gramin Bank branches due to the sponsor bank, the last six characters are unique to each individual branch. This ensures that funds are routed to the correct specific branch.

Q5: Where else can I find the IFSC code for the Pachpakri branch?
A5: You can find the IFSC code on your bank passbook, on a cheque leaf issued by the branch, on the bank’s official website, or by using the IFSC search tool on the Reserve Bank of India (RBI) website.