Bihar Gramin Bank ROH IFSC Code

The Bihar Gramin Bank branch located in ROH, Nawada, is an important financial hub for the local community. When you need to send or receive money electronically, understanding the Indian Financial System Code (IFSC) for this branch is crucial. This unique code makes sure your funds reach the correct bank and branch without issues, whether you’re using National Electronic Funds Transfer (NEFT), Real Time Gross Settlement (RTGS), or Immediate Payment Service (IMPS). It is a vital detail for secure and efficient digital banking transactions.

Branch Details

Here are the complete details for the Bihar Gramin Bank, ROH branch:

Bank Name	Bihar Gramin Bank
Branch Name	ROH
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	7297
Branch Address	ROH, Nawada, 805141, 9771464297
Contact Number	9771464297
City	Nawada
District	Nawada
Reason	NAWADA
Pincode	805141
State	Bihar

Merger Update

Bihar Gramin Bank, like many Regional Rural Banks, has undergone significant consolidation. Specifically, Dakshin Bihar Gramin Bank (DBGB) and Uttar Bihar Gramin Bank (UBGB) have merged to form a larger entity, now operating under a unified structure. As a result, all their branches now use a single, standardized IFSC code sponsored by Punjab National Bank. The code PUNB0MBGB06, used by the ROH branch, reflects this consolidation. It is very important to understand that any old IFSC codes previously associated with UBGB or DBGB are no longer valid for any financial transactions. You must always use the new, unified IFSC code for all fund transfers to and from Bihar Gramin Bank branches to ensure your transactions are successful.

What is an IFSC Code?

The IFSC Code stands for Indian Financial System Code. It is an 11-character alphanumeric code uniquely identifying all bank branches participating in online money transfers. The Reserve Bank of India (RBI) assigns these codes to facilitate secure and accurate electronic fund transfers across India.

The structure of the IFSC code is straightforward:

• The first four characters represent the bank name. For PUNB0MBGB06, “PUNB” stands for Punjab National Bank, which is the sponsoring bank for Bihar Gramin Bank.
• The fifth character is always ‘0’ (zero). This character is a control or placeholder and is kept constant across all IFSC codes.
• The last six characters identify the specific branch. In our example, “MBGB06” identifies the particular branch within the Bihar Gramin Bank network.

This unique combination ensures that your money is routed to the exact branch of the beneficiary’s bank.

How to Use the IFSC Code

Using the IFSC code is an essential part of making online money transfers. Here’s how it works for the common electronic payment systems:

• For NEFT (National Electronic Funds Transfer) and RTGS (Real Time Gross Settlement): When you initiate a transfer, your bank will ask for the beneficiary’s name, their account number, the beneficiary bank’s name, and its IFSC code. You will enter PUNB0MBGB06 along with the other details. NEFT is processed in batches, while RTGS processes transactions individually and continuously.
• For IMPS (Immediate Payment Service): This service allows for instant fund transfers 24/7. Similar to NEFT/RTGS, you will need the beneficiary’s account number and the IFSC code (PUNB0MBGB06) to make the transfer. IMPS also supports transfers using a Mobile Money Identifier (MMID) and mobile number, but the IFSC code method is widely used for direct bank account transfers.

Always double-check the IFSC code and account number before confirming any transaction to prevent funds from being sent to the wrong account.

Benefits of Knowing the IFSC Code

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

• It ensures accurate and secure fund transfers to the intended recipient and bank branch.
• It is absolutely essential for online banking, enabling you to use services like NEFT, RTGS, and IMPS from your computer or mobile phone.
• It helps in avoiding transaction failures or delays that can occur if an incorrect code is used.
• It allows for quick verification of the specific branch where the beneficiary holds an account.
• It facilitates inter-bank transactions, allowing you to send money between different banks smoothly.

Contact Information

If you need to get in touch with the Bihar Gramin Bank, ROH branch, or the head office, here are the details:

• ROH Branch Contact Number: 9771464297
• ROH Branch Address: ROH, Nawada, 805141
• Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number (General Enquiries): 18001807777

Frequently Asked Questions (FAQs)

Q1: What is the IFSC code for Bihar Gramin Bank, ROH Branch?
A1: The IFSC code for Bihar Gramin Bank, ROH branch, is PUNB0MBGB06.

Q2: Why did the IFSC code change for some Gramin banks?
A2: IFSC codes for many Gramin banks, including those that merged to form Bihar Gramin Bank (like Dakshin Bihar Gramin Bank and Uttar Bihar Gramin Bank), changed due to mergers and consolidation directives from the Reserve Bank of India. This streamlines operations under a unified sponsoring bank, in this case, Punjab National Bank.

Q3: Can I use an old IFSC code for a transfer to Bihar Gramin Bank?
A3: No, you must always use the most current and valid IFSC code, which is PUNB0MBGB06 for the ROH branch. Old IFSC codes for previously merged entities are no longer active and will result in failed transactions.

Q4: What is the difference between NEFT, RTGS, and IMPS?
A4: All three are electronic fund transfer systems. NEFT processes transactions in hourly batches. RTGS is for high-value transactions and processes them individually and in real-time. IMPS offers instant, 24/7 fund transfers, usually for smaller amounts, including on holidays.

Q5: Where else can I find the IFSC code for Bihar Gramin Bank?
A5: Besides this article, you can typically find the IFSC code printed on your bank’s cheque book, passbook, or statement. It’s also available on the official website of Bihar Gramin Bank or Punjab National Bank, and through various online bank code lookup portals.