Bihar Gramin Bank Ahirauliya (N) IFSC Code

In Ahirauliya (N), located in the East Champaran district of Bihar, the Bihar Gramin Bank serves the local community’s banking needs. For anyone looking to transfer funds electronically to or from this branch, understanding and using its Indian Financial System Code (IFSC) is crucial. This unique 11-character code ensures that money sent through online methods like NEFT (National Electronic Funds Transfer), RTGS (Real Time Gross Settlement), and IMPS (Immediate Payment Service) reaches the correct bank and specific branch without error. It acts as a digital address for the branch, making your transactions secure and efficient.

Here are the detailed banking particulars for the Bihar Gramin Bank branch in Ahirauliya (N):

Bank Name	Bihar Gramin Bank
Branch Name	Ahirauliya (N)
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	108133
Branch Address	Ahirauliya (N), EAST CHAMPARAN, 845433
Contact Number	9297954603
City	EAST CHAMPARAN
District	EAST CHAMPARAN
Reason	MOTIHARI
Pincode	845433
State	Bihar

Merger Update

The Bihar Gramin Bank, which includes its Ahirauliya (N) branch, was established through the merger of two regional rural banks: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). This unified entity now operates under the sponsorship of Punjab National Bank. As a result of this merger, all branches of Bihar Gramin Bank use a standardized IFSC code format. For the Ahirauliya (N) branch, the designated and valid IFSC code is PUNB0MBGB06.

It is very important to understand that any old IFSC codes previously associated with Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB) are no longer valid for processing transactions. To ensure your fund transfers are successful and correctly routed, you must always use the new, consolidated IFSC code PUNB0MBGB06 for all transactions involving the Bihar Gramin Bank Ahirauliya (N) branch.

What is an IFSC Code?

The IFSC Code is an 11-character code provided by the Reserve Bank of India (RBI) to identify individual bank branches in India. This code is essential for all electronic fund transfers. It has a specific structure:

• The first four characters represent the bank name. For Bihar Gramin Bank, as it operates under Punjab National Bank’s sponsorship, these are “PUNB”.
• The fifth character is always a “0” (zero). This character is a control digit, reserved for future use.
• The last six characters uniquely identify the specific bank branch. For the Ahirauliya (N) branch, these are “MBGB06”.

So, the full IFSC code PUNB0MBGB06 clearly points to the Bihar Gramin Bank’s Ahirauliya (N) branch for digital transactions.

How to Use an IFSC Code

Using the IFSC code is a straightforward process when you are making online fund transfers. Here’s a step-by-step guide for common methods like NEFT, RTGS, and IMPS:

1. Log In to Your Net Banking/Mobile Banking: Access your online banking portal or mobile app provided by your bank.
2. Select Fund Transfer Option: Look for options like “Fund Transfer,” “NEFT,” “RTGS,” or “IMPS.”
3. Add Beneficiary (If New): If you are sending money to someone for the first time, you will need to add them as a beneficiary.
4. Enter Beneficiary Details:
   • Beneficiary Name (the account holder’s name)
   • Beneficiary Account Number (the account number of the recipient)
   • Confirm Beneficiary Account Number
   • Beneficiary Bank’s IFSC Code: This is where you enter PUNB0MBGB06 for the Bihar Gramin Bank Ahirauliya (N) branch.
5. Verify Bank and Branch: After entering the IFSC code, your bank’s system will usually automatically display the bank name (Bihar Gramin Bank) and branch name (Ahirauliya (N)). Always double-check this to ensure it matches.
6. Enter Amount and Remarks: Specify the amount you wish to transfer and add any remarks if needed.
7. Confirm and Authorize: Review all the details carefully. Once confirmed, authorize the transaction, usually with an OTP (One-Time Password) or transaction password.

Always ensure all details are correct before confirming the transfer, especially the account number and IFSC code, to avoid delays or incorrect transfers.

Benefits of Knowing the IFSC Code

Having the correct IFSC code for your bank branch, or the branch you are sending money to, offers several important benefits:

• Accurate Fund Transfers: It ensures your money goes to the exact bank and branch intended, reducing errors in electronic transactions.
• Enables Online Banking: The IFSC is essential for performing NEFT, RTGS, and IMPS transactions, allowing you to transfer funds digitally without visiting a bank branch.
• Faster Processing: Correct IFSC codes help banks process your transactions quickly and efficiently.
• Transaction Security: It adds a layer of security by uniquely identifying the destination, making online transfers safer.
• Simplifies Cross-Bank Transfers: Whether you’re sending money to a different bank or receiving funds from one, the IFSC code simplifies the process.

Contact Information

For any inquiries or assistance related to the Bihar Gramin Bank Ahirauliya (N) branch, you can use the following contact details:

• Branch Phone Number: 9297954603
• Branch Address: Ahirauliya (N), EAST CHAMPARAN, 845433, Bihar
• Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number: 18001807777

Frequently Asked Questions (FAQs)

Q1: Is the IFSC code same for all branches of Bihar Gramin Bank?
A1: No, the IFSC code is unique for each specific branch. While the first five characters (PUNB0) are common for all Bihar Gramin Bank branches under Punjab National Bank, the last six characters are different for every individual branch, like ‘MBGB06’ for Ahirauliya (N).

Q2: What happens if I use an old UBGB or DBGB IFSC code?
A2: If you use an old IFSC code from Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB), your transaction will likely fail. The system will not recognize the old code as valid for the current Bihar Gramin Bank. It’s crucial to always use the updated IFSC code, such as PUNB0MBGB06.

Q3: Can I find the IFSC code on my bank passbook or cheque book?
A3: Yes, the IFSC code is typically printed on your bank passbook. It can also be found on the top left corner of a cheque leaf issued by the bank.

Q4: Do I need an IFSC code for ATM transactions?
A4: No, you do not need an IFSC code for ATM transactions. IFSC codes are specifically required for electronic fund transfers like NEFT, RTGS, and IMPS, where money is sent from one bank account to another across different banks or branches.

Q5: Is the IFSC code the same as the MICR code?
A5: No, IFSC and MICR codes are different. The IFSC (Indian Financial System Code) is an 11-character code for electronic transfers. The MICR (Magnetic Ink Character Recognition) code is a 9-digit numerical code printed on cheque leaves, used mainly for processing physical cheques. For the Ahirauliya (N) branch, the IFSC is PUNB0MBGB06, while the MICR is 800811002.