Bihar Gramin Bank NEHUSA IFSC Code

The Bihar Gramin Bank branch in NEHUSA, located in Nalanda district, Bihar, serves as a crucial point for banking services in the region. When you need to transfer money digitally, either to or from this branch, understanding the IFSC code is essential. This unique code acts like a digital address for the bank branch, ensuring that funds sent through systems like NEFT, RTGS, and IMPS reach the correct account quickly and securely. Without the accurate IFSC code, your money transfer simply cannot go through.

Branch Details

Bank Name	Bihar Gramin Bank
Branch Name	NEHUSA
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	7181
Branch Address	NEHUSA, Nalanda, 803110, 9771464181
Contact Number	9771464181
City	Nalanda
District	Nalanda
Reason	BIHARSHARIF
Pincode	803110
State	Bihar

Merger Update

It’s important to note a significant change regarding regional rural banks in Bihar. The Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have merged to form a single entity, now known as Bihar Gramin Bank. This new bank operates under the sponsorship of Punjab National Bank. As a result of this merger, all branches, including NEHUSA, now use a unified IFSC code structure. The specific IFSC code for the NEHUSA branch is PUNB0MBGB06.

If you previously used an IFSC code belonging to Uttar Bihar Gramin Bank for transactions, those old codes are no longer valid. For any fund transfers to Bihar Gramin Bank branches, you must use the new IFSC code, which begins with “PUNB0MBGB”. Using an old or incorrect code will cause your transaction to fail.

What is an IFSC Code?

IFSC stands for Indian Financial System Code. It is an 11-character alpha-numeric code that uniquely identifies every bank branch participating in online money transfers. Think of it as a postal code for a specific bank branch. The structure of the IFSC code is quite specific:

• The first four characters represent the bank name. For Bihar Gramin Bank, this is “PUNB” because it is sponsored by Punjab National Bank.
• The fifth character is always a “0” (zero). This is reserved for future use and acts as a control character.
• The last six characters identify the specific branch. For the NEHUSA branch, these are “MBGB06”.

So, the IFSC code PUNB0MBGB06 clearly identifies the NEHUSA branch of Bihar Gramin Bank, sponsored by Punjab National Bank.

How to Use the IFSC Code

You will need the IFSC code whenever you initiate an electronic fund transfer using services like NEFT (National Electronic Funds Transfer), RTGS (Real Time Gross Settlement), or IMPS (Immediate Payment Service). Here’s a general guide:

1. Log in to your banking portal: Access your online banking account or mobile banking app.
2. Select “Fund Transfer”: Look for options like “Transfer Funds,” “Send Money,” or “Payments.”
3. Add Beneficiary: If you’re sending money to someone for the first time, you’ll need to add them as a beneficiary. This usually involves providing their name, account number, account type (savings/current), and the crucial IFSC code.
4. Enter IFSC Code: Input PUNB0MBGB06 precisely into the designated field for the NEHUSA branch.
5. Enter Amount and Purpose: Specify the amount you wish to transfer and a brief description for the transaction.
6. Confirm and Authorize: Review all the details carefully, especially the account number and IFSC code, then confirm the transfer using your transaction password or OTP (One-Time Password).

For transfers to the NEHUSA branch of Bihar Gramin Bank, always use PUNB0MBGB06 to ensure the funds reach the correct recipient.

Benefits of Knowing the IFSC Code

Knowing the correct IFSC code offers several advantages for your banking needs:

• Accurate Fund Transfers: It guarantees that your money is sent to the precise bank branch you intend, preventing misdirected funds.
• Faster Processing: Correct IFSC codes help NEFT, RTGS, and IMPS systems process transactions more efficiently, leading to quicker crediting of funds.
• Security: By uniquely identifying branches, the IFSC code adds a layer of security, reducing the chances of fraud.
• Online Banking Convenience: It simplifies online and mobile banking, making it easy to set up new beneficiaries and initiate transfers from anywhere.
• Real-Time Tracking: For RTGS and IMPS, the correct IFSC code helps in tracking the status of your high-value or immediate transfers.

Contact Information

For inquiries related to the NEHUSA branch or general banking services, you can use the following contact details:

• Branch Phone Number: 9771464181
• Branch Address: NEHUSA, Nalanda, 803110, Bihar
• Bihar Gramin Bank Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number (Punjab National Bank sponsor): 18001807777

FAQs

Here are some common questions about IFSC codes and the Bihar Gramin Bank NEHUSA branch:

Q1: What happens if I use an old IFSC code for Bihar Gramin Bank after the merger?
A1: If you use an IFSC code from the erstwhile Uttar Bihar Gramin Bank or Dakshin Bihar Gramin Bank, your transaction will likely fail. The banking system will not recognize the old code as valid for the new Bihar Gramin Bank entity, and the funds will not be transferred. Always use the current code: PUNB0MBGB06 for the NEHUSA branch.

Q2: Is the IFSC code the same for all Bihar Gramin Bank branches?
A2: No, while the first four characters “PUNB” and the fifth “0” are common, the last six characters are unique to each individual branch. So, while all Bihar Gramin Bank IFSC codes will start with PUNB0MBGB, the last two digits will differ for each branch.

Q3: Can I find the IFSC code on my passbook or chequebook?
A3: Yes, the IFSC code is typically printed on your bank passbook and on the top left corner of your cheque leaf. However, due to the recent merger, it’s wise to double-check with the bank or a reliable online source if you are unsure.

Q4: Do I need the IFSC code for cash deposits or withdrawals at the branch?
A4: No, you do not need the IFSC code for direct cash deposits or withdrawals made in person at the bank branch. The IFSC code is specifically required for electronic fund transfers between different bank branches.

Q5: What is the MICR code for the NEHUSA branch and what is its purpose?
A5: The MICR (Magnetic Ink Character Recognition) code for the NEHUSA branch is 800811002. This 9-digit code is used mainly for processing cheques. It helps in quickly clearing cheques, often found at the bottom of a cheque leaf, enabling automated processing in clearing houses.