Bihar Gramin Bank BELHARI IFSC Code

In the heart of Gaya, Bihar, the BELHARI branch of Bihar Gramin Bank serves as a vital financial hub for local residents and businesses. Understanding its Indian Financial System Code (IFSC) is essential for anyone looking to send or receive money digitally. This unique code acts like a digital address, ensuring that your funds reach the correct bank and branch when you use services like NEFT (National Electronic Funds Transfer), RTGS (Real-Time Gross Settlement), and IMPS (Immediate Payment Service). Without the correct IFSC, digital fund transfers cannot be processed, making it a critical piece of information for modern banking.

Branch Details

Here are the key details for the Bihar Gramin Bank BELHARI branch:

Bank Name	Bihar Gramin Bank
Branch Name	BELHARI
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	7219
Branch Address	BELHARI, Gaya, 804403, 9771464219
Contact Number	9771464219
City	Gaya
District	Gaya
Reason	GAYA
Pincode	804403
State	Bihar

Merger Update

Previously, some regional rural banks in Bihar, such as Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB), operated with their own distinct IFSC codes. However, these banks have undergone a merger process. As a result, for branches that were part of these former entities, a unified IFSC code like PUNB0MBGB06 is now in use. This specific code is associated with Madhya Bihar Gramin Bank, which operates under the sponsorship of Punjab National Bank.

It is very important to note that any old IFSC codes previously used by UBGB or DBGB branches are no longer valid for any banking transactions. To ensure your fund transfers are successful, you must always use the current, unified IFSC code, such as PUNB0MBGB06, for all digital transactions.

What is an IFSC Code?

An IFSC code is an 11-character alphanumeric code. It uniquely identifies every bank branch in India participating in online fund transfers. Here’s how it’s structured:

• The first four characters represent the bank name. For PUNB0MBGB06, ‘PUNB’ stands for Punjab National Bank, which is the sponsoring bank for Madhya Bihar Gramin Bank.
• The fifth character is always ‘0’ (zero). This is kept as a control character for future use.
• The last six characters identify the specific branch. In this case, ‘MBGB06’ points to a particular branch or regional office of Madhya Bihar Gramin Bank.

This systematic structure ensures that every digital transaction is routed precisely to the intended bank and branch, minimizing errors.

How to Use an IFSC Code

Using an IFSC code is straightforward when you’re making an online fund transfer. Here’s a general guide for NEFT, RTGS, and IMPS:

1. Log in to Net Banking or Mobile Banking: Access your bank’s online platform using your credentials.
2. Select Fund Transfer Option: Look for options like “Fund Transfer,” “NEFT,” “RTGS,” or “IMPS.”
3. Add Beneficiary (First Time): If you’re sending money to someone for the first time, you’ll need to add them as a beneficiary. This usually involves providing:
   • Beneficiary’s Name
   • Beneficiary’s Account Number
   • Beneficiary’s Bank Name (e.g., Bihar Gramin Bank)
   • Beneficiary’s Branch Name (e.g., BELHARI)
   • The 11-character IFSC Code (e.g., PUNB0MBGB06)
4. Verify Details: Double-check all entered information, especially the account number and IFSC code, to prevent errors.
5. Enter Amount and Confirm: Specify the amount you wish to transfer and confirm the transaction using your banking password or OTP (One-Time Password).

For subsequent transfers to the same beneficiary, you typically only need to select their name from your saved list and enter the amount.

Benefits of Knowing Your IFSC Code

Knowing the correct IFSC code for your bank branch offers several advantages:

• Enables Digital Transfers: It is mandatory for online transactions like NEFT, RTGS, and IMPS, allowing you to send and receive money quickly.
• Ensures Accuracy: The unique code ensures that funds are credited to the exact branch and account, reducing the risk of misdirected transfers.
• Saves Time: Avoids the need for physical visits to the bank for money transfers, offering convenience.
• Facilitates Bill Payments: Many online bill payment systems require the IFSC for direct bank transfers.
• Supports E-commerce: Essential for processing refunds or making payments to vendors through bank accounts.

Contact Information

For any banking-related queries or assistance regarding the Bihar Gramin Bank BELHARI branch, you can use the following contact details:

• Branch Phone Number: 9771464219
• Branch Address: BELHARI, Gaya, 804403
• Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number: 18001807777

Frequently Asked Questions (FAQs)

Q1: Is PUNB0MBGB06 the only valid IFSC code for Bihar Gramin Bank BELHARI branch?
A: Yes, PUNB0MBGB06 is the correct and only valid IFSC code for the Bihar Gramin Bank BELHARI branch for all digital transactions like NEFT, RTGS, and IMPS.

Q2: What is the difference between IFSC and MICR code?
A: An IFSC (Indian Financial System Code) is an 11-character code used for online fund transfers (NEFT, RTGS, IMPS). A MICR (Magnetic Ink Character Recognition) code is a 9-digit number found on cheque leaves, primarily used for processing physical cheques.

Q3: What should I do if my online transfer fails due to an incorrect IFSC code?
A: If a transfer fails due to an incorrect IFSC, the funds are typically reversed to your account within a few hours or a business day. You should re-initiate the transaction using the correct IFSC code, which is PUNB0MBGB06 for the BELHARI branch.

Q4: Can I find the IFSC code on my passbook or cheque book?
A: Yes, the IFSC code is usually printed on the first page of your bank passbook. It is also found on the top left or bottom of your cheque leaves. Always double-check before making a transfer.

Q5: Who sponsors Madhya Bihar Gramin Bank, whose IFSC is PUNB0MBGB06?
A: Madhya Bihar Gramin Bank is sponsored by Punjab National Bank (PNB). The ‘PUNB’ in the IFSC code PUNB0MBGB06 signifies this sponsorship.