Bihar Gramin Bank RO BIHARSHARIF IFSC Code

In the heart of Bihar, specifically in Nalanda district, lies the RO BIHARSHARIF branch of Bihar Gramin Bank. When you need to send or receive money digitally through systems like NEFT, RTGS, or IMPS, a unique code called the IFSC is essential. This code acts like a digital address, ensuring your funds reach the correct bank and branch without any errors. It’s a vital piece of information for secure and efficient financial transactions.

Branch Details Table

Bank Name	Bihar Gramin Bank
Branch Name	RO BIHARSHARIF
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	7404
Branch Address	RO BIHARSHARIF, Nalanda, 803101
Contact Number	9771446200
City	Nalanda
District	Nalanda
Reason	BIHARSHARIF
Pincode	803101
State	Bihar

Merger Update Section

For customers of Bihar Gramin Bank, it is important to understand a significant change in the banking structure. Historically, there were separate entities known as Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). These two banks have since merged and now operate under the unified name of Bihar Gramin Bank. This new bank is sponsored by Punjab National Bank.

As a result of this merger, all branches of Bihar Gramin Bank, including the RO BIHARSHARIF branch, now use a single, unified IFSC code: PUNB0MBGB06. This code applies to all transactions. Any old IFSC codes previously used by UBGB or DBGB branches are no longer valid. To ensure your fund transfers are successful, you must only use PUNB0MBGB06 for any transactions involving Bihar Gramin Bank.

What is IFSC Code?

The IFSC, or Indian Financial System Code, is an 11-character alphanumeric code. It uniquely identifies every bank branch participating in online money transfers across India. Think of it as a specific address for each branch in the digital banking world.

Here’s how the 11 characters are structured:

• The first four characters represent the bank’s name. For Bihar Gramin Bank, sponsored by Punjab National Bank, these characters are “PUNB”.
• The fifth character is always a zero (0). This character is reserved for future use and helps distinguish between the bank code and the branch code.
• The last six characters identify the specific branch. For the RO BIHARSHARIF branch, these characters are “MBGB06”.

So, when combined, “PUNB0MBGB06” ensures that your money goes directly to the RO BIHARSHARIF branch of Bihar Gramin Bank.

How to Use IFSC Code

Using the IFSC code is a straightforward process when you are making digital fund transfers like NEFT, RTGS, or IMPS. Here are the general steps:

1. Log In: Access your bank’s online banking portal or mobile banking app.
2. Select Transfer Type: Choose the type of transfer you want to make, such as NEFT (National Electronic Funds Transfer), RTGS (Real-Time Gross Settlement), or IMPS (Immediate Payment Service).
3. Add Beneficiary: If you haven’t transferred money to this recipient before, you’ll need to add them as a new beneficiary.
4. Enter Beneficiary Details: Provide the recipient’s information, which typically includes:
   • Beneficiary Name
   • Beneficiary Account Number
   • Confirm Beneficiary Account Number
   • Bank Name (Bihar Gramin Bank)
   • IFSC Code (PUNB0MBGB06 for RO BIHARSHARIF branch)
5. Verify and Confirm: Double-check all the details you’ve entered, especially the account number and IFSC code, to avoid any errors.
6. Enter Amount and Complete Transaction: Input the amount you wish to transfer and follow your bank’s instructions to complete the transaction, often involving an OTP (One-Time Password) for security.

For NEFT and RTGS, transactions are processed in batches or real-time during banking hours. IMPS allows for instant transfers 24/7.

Benefits

Knowing and using the correct IFSC code for Bihar Gramin Bank’s RO BIHARSHARIF branch offers several advantages for your financial activities:

• Accurate Fund Transfer: It ensures that your money reaches the exact intended branch, minimizing the risk of funds being misdirected.
• Faster Transactions: Digital transfers using IFSC are significantly quicker than traditional methods like cheques, especially for urgent payments.
• Security: The unique identification helps in tracking transactions and adds a layer of security to your money transfers.
• Nationwide Reach: IFSC codes enable you to send and receive money from any bank branch across India that participates in the NEFT, RTGS, or IMPS networks.
• Convenience: You can perform transactions from anywhere, anytime, using online banking or mobile apps, without needing to visit a physical bank branch.

Contact Section

If you need to get in touch with the bank, here are the relevant contact details:

• Branch Phone Number (RO BIHARSHARIF): 9771446200
• Branch Address (RO BIHARSHARIF): RO BIHARSHARIF, Nalanda, 803101, Bihar
• Head Office Address (Bihar Gramin Bank): SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number (Punjab National Bank sponsor): 18001807777

FAQs Section

Q1: What happens if I use an old or incorrect IFSC code for Bihar Gramin Bank RO BIHARSHARIF branch?
A1: If you use an old or incorrect IFSC code, your transaction will likely fail. The banking system will not be able to identify the correct destination branch, and the funds will either not be debited from your account or will be returned to you after a short delay. Always use PUNB0MBGB06 for this branch.

Q2: Is the IFSC code for Bihar Gramin Bank RO BIHARSHARIF branch different for NEFT, RTGS, and IMPS?
A2: No, the IFSC code PUNB0MBGB06 is universal for all types of electronic fund transfers (NEFT, RTGS, IMPS) to the RO BIHARSHARIF branch of Bihar Gramin Bank. The code uniquely identifies the branch itself, not the type of transaction.

Q3: Can I find the IFSC code on my bank passbook or cheque leaf?
A3: Yes, the IFSC code is usually printed on your bank passbook. It is also found on the top left corner of a cheque leaf issued by your bank. For the RO BIHARSHARIF branch, you should see PUNB0MBGB06.

Q4: Why does the IFSC code start with “PUNB” if the bank is Bihar Gramin Bank?
A4: Bihar Gramin Bank is sponsored by Punjab National Bank (PNB). According to the structure of IFSC codes for Regional Rural Banks (RRBs), the first four characters often represent the sponsoring bank. In this case, “PUNB” signifies Punjab National Bank’s sponsorship of Bihar Gramin Bank.

Q5: Is the MICR code also important for online transfers?
A5: While the IFSC code is crucial for online fund transfers (NEFT, RTGS, IMPS), the MICR (Magnetic Ink Character Recognition) code is primarily used for processing physical cheques. You typically won’t need the MICR code for digital transactions.