Bihar Gramin Bank HARDIYA IFSC Code

The HARDIYA branch of Bihar Gramin Bank is located in Nawada, a district within the state of Bihar. When you need to transfer funds electronically within India, whether through NEFT, RTGS, or IMPS, knowing the correct Indian Financial System Code (IFSC) for this branch is essential. This unique code helps ensure your money reaches the right bank and the correct branch quickly and safely.

Branch Details

Bank Name	Bihar Gramin Bank
Branch Name	HARDIYA
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	7284
Branch Address	HARDIYA, Nawada, 805125, 9771464284
Contact Number	9771464284
City	Nawada
District	Nawada
Reason	NAWADA
Pincode	805125
State	Bihar

Merger Update

Bihar Gramin Bank is a Regional Rural Bank (RRB) that came into existence from the merger of Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). This merger brought all branches under a unified structure, sponsored by Punjab National Bank (PNB). As a result, all branches of the merged entity now use a single series of IFSC codes that begin with “PUNB0”. The specific IFSC code for the HARDIYA branch is PUNB0MBGB06.

It is important to note that any old IFSC codes previously used by Uttar Bihar Gramin Bank or Dakshin Bihar Gramin Bank branches are now invalid. For any fund transfers to Bihar Gramin Bank branches, including HARDIYA, you must use the new, consolidated IFSC code. 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 alphanumeric code that uniquely identifies every bank branch participating in online money transfers. Think of it like a digital address for a bank branch. The code is structured in a specific way:

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

So, PUNB0MBGB06 precisely points to the HARDIYA branch of Bihar Gramin Bank.

How to Use the IFSC Code

You will need the IFSC code when initiating any online fund transfer using services like NEFT, RTGS, or IMPS. Here’s a general guide:

1. Log in to your online banking account or mobile banking app.
2. Select the type of transfer you wish to make:
   • NEFT (National Electronic Funds Transfer): This system processes transactions in batches, typically every half hour. It is good for smaller to medium amounts.
   • RTGS (Real Time Gross Settlement): This is for large value transfers (usually Rs. 2 lakh and above). Transactions are processed individually and immediately, in “real-time.”
   • IMPS (Immediate Payment Service): This allows instant, 24/7 fund transfers, even on holidays. It is often used for smaller amounts.
3. Add the beneficiary (recipient) details: You will need to provide the beneficiary’s name, account number, account type (savings or current), and the bank’s IFSC code (PUNB0MBGB06 for HARDIYA branch).
4. Enter the amount: Specify how much money you want to send.
5. Confirm the details: Always double-check all information, especially the account number and IFSC code, before confirming the transaction. An incorrect IFSC code will likely result in a failed transaction or, in rare cases, funds being sent to the wrong account if the account number is also similar.

Benefits of Knowing Your IFSC Code

Understanding and having access to the correct IFSC code offers several advantages:

• Accurate Fund Transfers: It ensures your money reaches the exact bank and branch you intend.
• Faster Processing: Correct IFSC codes help speed up the processing of NEFT, RTGS, and IMPS transactions.
• Reduced Errors: It minimizes the chances of failed transactions or funds being misdirected.
• Essential for Online Banking: The IFSC code is a mandatory detail for setting up beneficiaries for any electronic fund transfer.
• Convenience: Knowing the code allows for quick and hassle-free transactions from anywhere, at any time.

Contact Information

If you need to contact the HARDIYA branch or the bank’s head office, here are the details:

• HARDIYA Branch Phone Number: 9771464284
• HARDIYA Branch Address: HARDIYA, Nawada, 805125, Bihar
• Bihar Gramin Bank Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Bihar Gramin Bank Toll-Free Number: 18001807777

Frequently Asked Questions (FAQs)

Q1: What happens if I use an incorrect IFSC code?
A1: If you use an incorrect IFSC code, your transaction will almost certainly fail and the funds will not be transferred. The bank’s system checks the IFSC code against the beneficiary’s bank and branch details. If they don’t match, the transaction is rejected. You will then need to initiate the transfer again with the correct code.

Q2: Where can I find the IFSC code for my bank branch?
A2: The IFSC code is typically printed on your bank passbook and on cheque leaves issued by the bank. You can also find it on the bank’s official website, through your net banking portal, or by contacting the bank’s customer service.

Q3: Is the IFSC code the same for all branches of Bihar Gramin Bank?
A3: No, the first five characters (PUNB0) are common for all Bihar Gramin Bank branches under Punjab National Bank’s sponsorship. However, the last six characters are unique to each specific branch. So, the HARDIYA branch will have a different IFSC code suffix than another branch in Nawada or any other district.

Q4: Can I use the IFSC code for international money transfers?
A4: No, the IFSC code is exclusively for domestic electronic fund transfers within India. For international money transfers, you would typically need a SWIFT (Society for Worldwide Interbank Financial Telecommunication) code, also known as a BIC (Bank Identifier Code).

Q5: Is the MICR code also important for online transactions?
A5: The MICR (Magnetic Ink Character Recognition) code is primarily used for clearing physical cheques. While it helps identify the branch, it is not required for NEFT, RTGS, or IMPS online fund transfers. The IFSC code is the key identifier for digital transactions.