Bihar Gramin Bank BIRNAWA IFSC Code

This article provides essential details for the Bihar Gramin Bank branch located in BIRNAWA, Nawada. Understanding the Indian Financial System Code (IFSC) for this branch is crucial for anyone looking to perform electronic fund transfers. Whether you’re sending money via National Electronic Funds Transfer (NEFT), Real Time Gross Settlement (RTGS), or Immediate Payment Service (IMPS), the correct IFSC code ensures your transaction reaches its intended recipient safely and quickly. This code acts as a unique identifier for each bank branch, making digital banking seamless and secure across India.

Branch Details

Bank Name	Bihar Gramin Bank
Branch Name	BIRNAWA
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	7277
Branch Address	BIRNAWA, Nawada, 805124, 9771464277
Contact Number	9771464277
City	Nawada
District	Nawada
Pincode	805124
State	Bihar

Merger Update

The Bihar Gramin Bank, where the BIRNAWA branch is located, was formed through a significant merger. Specifically, the erstwhile Uttar Bihar Gramin Bank (UBGB) and Madhya Bihar Gramin Bank (MBGB) merged to create the current Bihar Gramin Bank. This merger streamlined operations and unified banking services across a wider region. As part of this consolidation, the bank now operates under the sponsorship of Punjab National Bank.

It is important for all customers to note that old IFSC codes previously associated with Uttar Bihar Gramin Bank (UBGB) or other pre-merger entities are no longer valid. For any electronic fund transfers to the BIRNAWA branch of Bihar Gramin Bank, only the unified IFSC code, PUNB0MBGB06, is accepted. Using an outdated IFSC code will result in transaction failure. Always ensure you use the correct and updated code for your banking needs.

What is an IFSC Code?

The IFSC, or Indian Financial System Code, is an eleven-character alphanumeric code used to identify all bank branches participating in online money transfers. Think of it as a digital address for a specific bank branch. Each part of the code tells you something important about the bank and its location:

• The first four characters identify the bank itself. For the BIRNAWA branch’s code, PUNB stands for Punjab National Bank, which is the sponsoring bank for Bihar Gramin Bank.
• The fifth character is always a zero (0). This character is reserved for future use and helps distinguish the bank code from the branch code.
• The last six characters uniquely identify the specific bank branch. In this case, MBGB06 points directly to a particular branch, which for Bihar Gramin Bank (originally Madhya Bihar Gramin Bank) is the BIRNAWA location.

This structured format ensures that every transaction is routed to the correct branch, even among the thousands of bank branches across the country.

How to Use the IFSC Code

Using the IFSC code is a straightforward process when you’re making electronic fund transfers. Here’s how it works for common services like NEFT, RTGS, and IMPS:

1. Gather Recipient Details: Before starting, you will need the recipient’s full name, their bank account number, the bank’s name (Bihar Gramin Bank), and the correct IFSC code (PUNB0MBGB06 for the BIRNAWA branch).
2. Log In to Your Net Banking or Mobile Banking App: Access your online banking portal or mobile banking application.
3. Select Fund Transfer Option: Look for options like “Fund Transfer,” “NEFT,” “RTGS,” or “IMPS.”
4. Add a New Beneficiary: If you haven’t sent money to this recipient before, you’ll need to add them as a new beneficiary. You’ll enter their name, account number, and the bank’s IFSC code.
5. Verify Details: The system will often automatically fetch the bank and branch name once you enter the IFSC code. Always double-check that the details match the recipient’s information.
6. Enter Amount and Confirm: Input the amount you wish to transfer and confirm the transaction. You might need to enter an OTP (One-Time Password) to authorize the transfer.

Remember, accurate entry of the IFSC code and account number is critical. Any error could lead to the funds being sent to the wrong account or the transaction being rejected.

Benefits of Knowing the IFSC Code

Understanding and having the correct IFSC code readily available offers several advantages for both individuals and businesses:

• Enables Electronic Transfers: It is absolutely essential for initiating online fund transfers such as NEFT, RTGS, and IMPS, allowing for quick and efficient money movement.
• Ensures Transaction Accuracy: The unique code ensures that funds are routed to the precise branch and account, minimizing errors and misdirected payments.
• Facilitates Interbank Transactions: It allows seamless transactions between different banks and their branches across India, connecting the entire banking network.
• Saves Time and Effort: Eliminates the need for physical visits to the bank for deposits or withdrawals, offering the convenience of banking from anywhere, anytime.
• Supports Digital Economy: Plays a vital role in the growth of India’s digital payment ecosystem by providing a secure and standardized method for financial transactions.

Contact Information

For direct inquiries or assistance related to the BIRNAWA branch of Bihar Gramin Bank, you can use the following contact details:

• Branch Phone Number: 9771464277
• Branch Address: BIRNAWA, Nawada, 805124, Bihar
• Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number: 18001807777

Frequently Asked Questions (FAQs)

Q1: Is the IFSC code PUNB0MBGB06 valid for all Bihar Gramin Bank branches?
A1: No, the IFSC code PUNB0MBGB06 is specific to the BIRNAWA branch of Bihar Gramin Bank. Each branch typically has its own unique IFSC code. You should always confirm the correct IFSC code for the specific branch you intend to transact with.

Q2: What is the difference between NEFT, RTGS, and IMPS?
A2: These are all electronic fund transfer methods. NEFT (National Electronic Funds Transfer) is processed in batches and has a deferred settlement time. RTGS (Real Time Gross Settlement) processes transactions individually and immediately, typically used for large value transfers. IMPS (Immediate Payment Service) allows instant, 24/7 transfers, even on holidays, for smaller amounts. All require an IFSC code.

Q3: What if I use an incorrect IFSC code for a transfer?
A3: If you use an incorrect IFSC code, your transaction will likely fail or be rejected by the bank. The funds will usually be returned to your account within a few hours or days. However, if the incorrect code belongs to another valid branch and bank, the money might be transferred to the wrong account, which can be difficult to recover. Always double-check the IFSC code and account number.

Q4: Can I find the IFSC code on my passbook or chequebook?
A4: Yes, the IFSC code is usually printed on your bank’s chequebook, often on the top left or right corner of a cheque leaf. It is also found on the first page of your bank passbook. For online verification, you can check the official bank website or use reliable third-party financial portals.

Q5: Why does the IFSC code start with “PUNB” if it’s Bihar Gramin Bank?
A5: The first four characters, “PUNB”, denote Punjab National Bank, which is the sponsoring bank for Bihar Gramin Bank. Regional Rural Banks (RRBs) like Bihar Gramin Bank are sponsored by larger public sector banks, and their IFSC codes often reflect the sponsoring bank’s prefix for administrative and routing purposes.