Bihar Gramin Bank Dariapur IFSC Code

When you need to send or receive money to or from the Bihar Gramin Bank branch in Dariapur, located in East Champaran, Bihar, understanding the Indian Financial System Code (IFSC) is essential. This unique code acts like a digital address for the branch, ensuring that your funds reach the correct bank and specific branch without error. It’s a critical piece of information for all major electronic fund transfers, including NEFT, RTGS, and IMPS transactions.

Branch Details

Bank Name	Bihar Gramin Bank
Branch Name	Dariapur
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	100268
Branch Address	Dariapur, EAST CHAMPARAN, 845417, 9297954626
Contact Number	9297954626
City	EAST CHAMPARAN
District	EAST CHAMPARAN
Reason	MOTIHARI
Pincode	845417
State	Bihar

Merger Update

For customers of what was formerly Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB), it’s important to note a significant change. Both banks have merged to form the new entity known as Bihar Gramin Bank, which operates under the sponsorship of Punjab National Bank. As a result of this merger, all branches now use a unified IFSC code structure. The single, valid IFSC code for transactions is PUNB0MBGB06. This means any old IFSC codes previously used for UBGB or DBGB branches have been revoked and are no longer valid for any electronic fund transfers. Always use the new, consolidated IFSC code for all your banking needs with Bihar Gramin Bank.

What is an IFSC Code?

The IFSC Code is an 11-character alphanumeric code assigned by the Reserve Bank of India (RBI) to identify individual bank branches participating in electronic funds transfer systems. Think of it as a unique address for each branch.

Here’s how the 11 characters break down:

• The first four characters represent the bank’s name. For example, in PUNB0MBGB06, “PUNB” stands for Punjab National Bank, the sponsoring bank.
• The fifth character is always a “0” (zero). This is reserved for future use.
• The last six characters identify the specific branch. In PUNB0MBGB06, “MBGB06” points to the particular branch, in this case, the Dariapur branch of Bihar Gramin Bank.

This structured format ensures that every electronic transaction goes to the correct bank and the right branch, minimizing errors in the transfer process.

How to Use the IFSC Code

You’ll need the IFSC code whenever you perform an electronic fund transfer. Here’s how it works for common transfer types:

NEFT (National Electronic Funds Transfer): This system allows for nationwide electronic fund transfers on a deferred net settlement basis. Transactions are processed in batches.

How to use: When initiating an NEFT transfer through your bank’s online portal or by filling out a form at a branch, you will need to provide the beneficiary’s (the person receiving the money) IFSC code, their account number, and their name. For example, if you’re sending money to the Dariapur branch, you’d enter PUNB0MBGB06. Funds are typically credited within a few hours during banking hours.

RTGS (Real Time Gross Settlement): RTGS is designed for large-value transactions, where the processing occurs continuously in real-time, on a one-to-one basis. This means the funds are credited almost instantly.

How to use: Similar to NEFT, for an RTGS transfer, you must enter the beneficiary’s IFSC code (PUNB0MBGB06 for Dariapur), their account number, and their name. RTGS is generally used for transfers above a minimum threshold, often ₹2 lakhs.

IMPS (Immediate Payment Service): IMPS offers instant, 24/7 interbank electronic fund transfers through mobile phones and internet banking.

How to use: When making an IMPS transfer, you can use the beneficiary’s IFSC code (PUNB0MBGB06) and account number, or sometimes a mobile number and MMID (Mobile Money Identifier). IMPS is convenient for quick transfers at any time, even on holidays.

In all these cases, the IFSC code acts as the key to identifying the correct destination branch, making the transaction process smooth and secure.

Benefits of Knowing the IFSC Code

Knowing the correct IFSC code for your bank branch, or for any beneficiary you plan to pay, offers several advantages:

• Accuracy: Ensures your money goes to the exact intended bank branch, preventing misdirection of funds.
• Security: Reduces the risk of fraud or errors in transactions by verifying the branch identity.
• Speed: Facilitates faster processing of electronic fund transfers like NEFT, RTGS, and IMPS.
• Convenience: Allows you to initiate transfers online or via mobile banking from anywhere, without needing to visit a physical branch.
• Nationwide Transfers: Enables seamless money transfers to and from any bank branch across India that participates in electronic payment systems.

Contact Information

Should you need to reach out to the Bihar Gramin Bank Dariapur branch or the head office, here are the contact details:

• Dariapur Branch Phone Number: 9297954626
• Dariapur Branch Address: Dariapur, EAST CHAMPARAN, 845417, BIHAR
• Bihar Gramin Bank Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Customer Service Number: 18001807777

Frequently Asked Questions

Q1: What is the correct IFSC code for Bihar Gramin Bank’s Dariapur branch?

A1: The correct IFSC code for the Bihar Gramin Bank Dariapur branch is PUNB0MBGB06.

Q2: Is Bihar Gramin Bank still operating under the names Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB)?

A2: No, Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have merged to form Bihar Gramin Bank. All operations now fall under this new entity, sponsored by Punjab National Bank.

Q3: Can I use an old UBGB or DBGB IFSC code for a fund transfer?

A3: No, old IFSC codes belonging to UBGB or DBGB are no longer valid. You must use the new, consolidated IFSC code, PUNB0MBGB06, for all electronic fund transfers to Bihar Gramin Bank branches, including Dariapur.

Q4: What other information do I need besides the IFSC code for an electronic fund transfer?

A4: Besides the IFSC code, you will typically need the beneficiary’s full name, their account number, and the amount you wish to transfer. For some transactions, the beneficiary’s address might also be requested.

Q5: For what types of transactions do I need an IFSC code?

A5: You need the IFSC code for all major electronic fund transfers, including NEFT (National Electronic Funds Transfer), RTGS (Real Time Gross Settlement), and IMPS (Immediate Payment Service).