Bihar Gramin Bank BIJUBIGHA IFSC Code

When you need to send or receive money through banking channels in India, understanding specific bank codes is essential. For the Bihar Gramin Bank BIJUBIGHA branch, located in Nawada, Bihar, knowing the Indian Financial System Code (IFSC) is crucial for smooth online fund transfers. Whether you’re using National Electronic Funds Transfer (NEFT), Real Time Gross Settlement (RTGS), or Immediate Payment Service (IMPS), the IFSC acts like a unique digital address for the branch, ensuring your money reaches the correct destination safely and efficiently.

Branch Details

Bank Name	Bihar Gramin Bank
Branch Name	BIJUBIGHA
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	7276
Branch Address	BIJUBIGHA, Nawada, 805122, 9771464276
Contact Number	9771464276
City	Nawada
District	Nawada
Reason	NAWADA
Pincode	805122
State	Bihar

Merger Update

It is important to note that Bihar Gramin Bank, along with Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB), underwent a significant merger. These banks have now been integrated, and their operations are consolidated. Consequently, all branches that were formerly under these entities now use a single, unified IFSC code: PUNB0MBGB06. This new code is issued under the sponsorship of Punjab National Bank, which now oversees the merged rural banks. If you previously held an account with Uttar Bihar Gramin Bank and used an older UBGB IFSC code, please be aware that those old codes have been revoked. For any transactions, only the new IFSC code, PUNB0MBGB06, is valid and must be used to ensure your fund transfers are successful.

What is an IFSC Code?

An IFSC code stands for Indian Financial System Code. It is an 11-character alphanumeric code that uniquely identifies each bank branch participating in online fund transfers within India. This code is crucial for directing your money to the exact branch and account you intend. The structure of the IFSC code is standardized:

• The first four characters represent the name of the bank. For example, in PUNB0MBGB06, “PUNB” signifies Punjab National Bank, which is the sponsoring bank for Bihar Gramin Bank after the merger.
• The fifth character is always a zero (0). This character is reserved for future use and currently acts as a control digit.
• The last six characters uniquely identify the specific bank branch. In our example, “MBGB06” points to the particular Bihar Gramin Bank branch.

How to Use an IFSC Code

Using an IFSC code is straightforward when initiating an online money transfer. Here are the steps for common transfer methods:

1. For NEFT (National Electronic Funds Transfer): This system processes transfers in batches throughout the day.
   • Log in to your bank’s internet banking portal or mobile app.
   • Select the NEFT option for fund transfer.
   • Add the beneficiary details: name, account number, account type, and the IFSC code (PUNB0MBGB06 for BIJUBIGHA branch).
   • Enter the amount you wish to transfer and confirm the transaction.
2. For RTGS (Real Time Gross Settlement): This is for large-value transactions that are processed continuously on a real-time basis.
   • Access your internet banking platform or app.
   • Choose the RTGS fund transfer option.
   • Provide the beneficiary’s name, account number, account type, and the correct IFSC code (PUNB0MBGB06).
   • Input the transfer amount and proceed to confirm the payment.
3. For IMPS (Immediate Payment Service): This allows instant 24/7 fund transfers, even on holidays.
   • Open your mobile banking app or internet banking portal.
   • Select the IMPS option.
   • Enter the beneficiary’s account number and the IFSC code (PUNB0MBGB06). Alternatively, you might use the beneficiary’s mobile number and MMID (Mobile Money Identifier).
   • Enter the amount and authorize the transaction for immediate transfer.

Benefits of Knowing Your IFSC Code

Knowing the correct IFSC code for your bank branch, or the branch you are transferring money to, offers several key advantages:

• Accuracy in Fund Transfers: It ensures that money reaches the precise beneficiary bank and branch, preventing delays or misdirected funds.
• Enables Online Transactions: The IFSC code is mandatory for all NEFT, RTGS, and IMPS transactions, allowing you to send and receive money electronically from anywhere.
• Faster Processing: Correct IFSC codes help banks process transactions more quickly and efficiently, especially for urgent transfers.
• Increased Security: By uniquely identifying branches, the IFSC code adds an extra layer of security to financial transactions, reducing the risk of fraud.
• Convenience: It removes the need for physical visits to the bank for deposits or withdrawals, making banking more convenient.

Contact Information

For inquiries related to the Bihar Gramin Bank BIJUBIGHA branch or general banking services, you can use the following contact details:

• Branch Phone Number: 9771464276
• Branch Address: BIJUBIGHA, Nawada, 805122, Bihar
• Head Office Address (Bihar Gramin Bank): SHRI VISHNU COMMERCIAL COMPLEX ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number (Punjab National Bank Customer Care, relevant post-merger): 18001807777

Frequently Asked Questions

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

Q1: Is the IFSC code PUNB0MBGB06 valid for all Bihar Gramin Bank branches?
A1: Yes, following the merger of Bihar Gramin Bank, Uttar Bihar Gramin Bank, and Dakshin Bihar Gramin Bank, the single IFSC code PUNB0MBGB06 has been adopted for all their branches under the sponsorship of Punjab National Bank.

Q2: What should I do if I previously used an old Uttar Bihar Gramin Bank (UBGB) IFSC code?
A2: Old UBGB IFSC codes are no longer valid. You must use the new unified IFSC code, PUNB0MBGB06, for all future transactions to ensure they are successful.

Q3: Can I find the IFSC code on my passbook or cheque book?
A3: Yes, typically the IFSC code is printed on the first page of your bank passbook and on individual cheque leaves. Always double-check it against reliable sources if you have doubts.

Q4: What happens if I enter an incorrect IFSC code during a transaction?
A4: If you enter an incorrect IFSC code, the transaction will likely fail or be rejected by the banking system. It is critical to ensure the code is accurate to avoid delays or issues with your fund transfer.

Q5: Is an IFSC code required for cash deposits or withdrawals at the branch?
A5: No, an IFSC code is specifically for electronic fund transfers (NEFT, RTGS, IMPS). You do not need it for cash deposits or withdrawals made directly at the bank branch counter.