Bihar Gramin Bank DELHA IFSC Code

Navigating bank transactions requires precise details, especially when sending money electronically. If you’re looking for information about the Bihar Gramin Bank branch in DELHA, Gaya district, Bihar, you’ve come to the right place. Understanding the Indian Financial System Code, or IFSC, for this specific branch is key for smooth and secure fund transfers. This unique code allows you to send money through systems like NEFT, RTGS, and IMPS directly to the intended recipient’s bank account, ensuring that your funds reach the correct destination without delay.

Branch Details

Bank Name	Bihar Gramin Bank
Branch Name	DELHA
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	7559
Branch Address	DELHA, Gaya, 823002, 7541807559
Contact Number	7541807559
City	Gaya
District	Gaya
Reason	GAYA
Pincode	823002
State	Bihar

Merger Update

The Bihar Gramin Bank, including its DELHA branch, is a result of a significant merger in the regional rural banking sector. Previously, there were two distinct rural banks in Bihar: the Dakshin Bihar Gramin Bank (DBGB) and the Uttar Bihar Gramin Bank (UBGB). Both of these banks were sponsored by Punjab National Bank (PNB).

These two banks merged to form the single entity, Bihar Gramin Bank. Following this merger, all branches, including DELHA, now operate under the unified structure of Bihar Gramin Bank. As part of this consolidation, a new standardized series of IFSC codes was introduced. The IFSC code for the DELHA branch, PUNB0MBGB06, reflects this change.

It is important to know that any old IFSC codes previously used for branches under Uttar Bihar Gramin Bank or Dakshin Bihar Gramin Bank have been revoked. For any transactions with Bihar Gramin Bank branches today, including DELHA, you must use the new, updated IFSC codes, which all begin with PUNB0MBGB06 for this particular series. Using an old or incorrect code will lead to transaction failures.

What is an IFSC Code?

The IFSC (Indian Financial System Code) is an 11-character alphanumeric code. It uniquely identifies every bank branch in India participating in electronic fund transfers. Think of it as a digital address for a specific bank branch.

The structure of the IFSC code is simple:

• The first four characters represent the bank name. For Bihar Gramin Bank, sponsored by Punjab National Bank, these are PUNB.
• The fifth character is always a zero (0). This is reserved for future use.
• The last six characters identify the specific branch. For the DELHA branch, these are MBGB06.

So, for the Bihar Gramin Bank DELHA branch, the full IFSC code PUNB0MBGB06 clearly identifies it for electronic transactions.

How to Use an IFSC Code

The IFSC code is essential for sending money electronically through various banking systems. Here’s how you typically use it:

For NEFT (National Electronic Funds Transfer):

1. Log in to your online banking portal or mobile app.
2. Go to the “Funds Transfer” or “Payments” section.
3. Select “NEFT.”
4. Add a new beneficiary or select an existing one.
5. Enter the beneficiary’s name, account number, and the correct IFSC code (PUNB0MBGB06 for DELHA branch).
6. Enter the amount you wish to transfer and confirm the details.

For RTGS (Real Time Gross Settlement):

1. Access your online banking or mobile app.
2. Choose “RTGS” for high-value transfers.
3. Provide the beneficiary’s name, account number, and the IFSC code (PUNB0MBGB06).
4. Input the transfer amount. RTGS typically handles transactions of Rs. 2 lakh and above.
5. Review all details before confirming the transfer.

For IMPS (Immediate Payment Service):

1. Open your mobile banking app or use a UPI-enabled app.
2. Select “IMPS” for instant transfers.
3. Enter the beneficiary’s mobile number and MMID, or their account number and IFSC code (PUNB0MBGB06).
4. Enter the amount.
5. Confirm the transaction with your PIN.

Always double-check the IFSC code and account number before making a transfer to ensure your money reaches the right person and bank.

Benefits of Knowing Your IFSC Code

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

• Accurate Fund Transfers: It ensures your money goes to the correct bank and branch, preventing delays or failed transactions.
• Faster Processing: Correct IFSC codes help electronic systems process your transfers quickly and efficiently.
• Convenience: It allows you to perform transactions from anywhere, anytime, using online banking or mobile apps.
• Security: The unique code helps maintain the integrity of the banking system by directing funds precisely.
• Essential for Digital Payments: It is a mandatory detail for setting up beneficiaries for NEFT, RTGS, and IMPS payments.

Contact Information

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

• DELHA Branch Phone Number: 7541807559
• DELHA Branch Address: DELHA, Gaya, 823002, 7541807559
• Bihar Gramin Bank Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number: 18001807777

Frequently Asked Questions

Q1: Is the IFSC code PUNB0MBGB06 valid for all Bihar Gramin Bank branches?
A1: No, the first part “PUNB0MBGB” signifies Bihar Gramin Bank under Punjab National Bank’s sponsorship. However, the last six characters “06” are specific to the DELHA branch. Each Bihar Gramin Bank branch has its own unique six-character branch code, so the full IFSC code will vary for different branches.

Q2: What should I do if my electronic fund transfer fails due to an incorrect IFSC code?
A2: If your transaction fails because of an incorrect IFSC code, the money will typically be reversed to your account within a few hours or one to two business days. You should re-initiate the transaction using the correct IFSC code for the beneficiary’s branch. Always verify the code before making a transfer.

Q3: Can I find the IFSC code for other Bihar Gramin Bank branches?
A3: Yes, you can find IFSC codes for other Bihar Gramin Bank branches on the bank’s official website, through your bank’s mobile app, or by contacting the bank’s customer service. Reliable third-party financial websites also list these codes.

Q4: Why does the IFSC code for Bihar Gramin Bank start with “PUNB” instead of “BGB”?
A4: Bihar Gramin Bank is a regional rural bank (RRB) sponsored by Punjab National Bank. According to Reserve Bank of India (RBI) guidelines, the IFSC codes for sponsored RRBs often begin with the code of their sponsoring bank. This is why you see “PUNB” (for Punjab National Bank) at the beginning of Bihar Gramin Bank’s IFSC codes.

Q5: Is MICR code also necessary for online fund transfers?
A5: No, the MICR (Magnetic Ink Character Recognition) code is primarily used for clearing physical cheques. For online electronic fund transfers like NEFT, RTGS, and IMPS, only the IFSC code, along with the beneficiary’s account number and name, is required.