Bihar Gramin Bank BIRHANA IFSC Code

This article provides detailed information about the Bihar Gramin Bank’s BIRHANA branch. Knowing the correct Indian Financial System Code (IFSC) is very important for secure and quick fund transfers. Whether you are sending money through NEFT (National Electronic Funds Transfer), RTGS (Real Time Gross Settlement), or IMPS (Immediate Payment Service), the IFSC code acts like a digital address, making sure your funds reach the right bank and branch without issues. This guide will help you understand everything about the BIRHANA branch’s IFSC code and how to use it effectively.

Branch Details Table

Bank Name	Bihar Gramin Bank
Branch Name	BIRHANA
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	7312
Branch Address	BIRHANA, Patna, 803220
Contact Number	9771464312
City	Patna
District	Patna
Pincode	803220
State	Bihar

Merger Update

The Bihar Gramin Bank, where the BIRHANA branch is located, was formed through significant mergers of several regional rural banks in Bihar. Historically, separate banks like Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) operated independently. These entities later merged to create a unified regional rural bank, which is now sponsored by Punjab National Bank (PNB).

This history is important because the IFSC code for Bihar Gramin Bank branches, including BIRHANA, reflects this sponsorship by starting with ‘PUNB0’. It is crucial for customers to understand that if you previously used an IFSC code belonging to an old UBGB or DBGB branch that has now become part of Bihar Gramin Bank, those older codes are no longer valid. For all financial transactions to the BIRHANA branch of Bihar Gramin Bank, you must use the updated and currently valid IFSC code: PUNB0MBGB06.

What is IFSC Code?

An IFSC (Indian Financial System Code) is an 11-character alpha-numeric code that uniquely identifies every bank branch participating in online fund transfers in India. It is a critical piece of information for all electronic transactions.

The 11 characters of an IFSC code are structured in a specific way:

• The first four characters represent the bank’s name. For example, in 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 reserved for future use and typically remains constant.
• The last six characters identify the specific bank branch. In PUNB0MBGB06, ‘MBGB06’ precisely points to the BIRHANA branch of Bihar Gramin Bank.

This unique structure ensures that funds are routed correctly to the intended beneficiary bank and branch, even if there are multiple branches of the same bank.

How to Use IFSC Code

The IFSC code is essential for various online fund transfer methods. Here’s how you typically use it:

• For NEFT (National Electronic Funds Transfer):
  1. Log in to your net banking account or visit your bank branch.
  2. Select the NEFT option for fund transfer.
  3. Add the beneficiary details, including their name, account number, account type, and the correct IFSC code (PUNB0MBGB06 for BIRHANA branch).
  4. Enter the amount you wish to transfer.
  5. Confirm the details and complete the transaction. NEFT transfers are processed in batches throughout the day.
• For RTGS (Real Time Gross Settlement):
  1. Access your net banking portal or visit your bank branch.
  2. Choose the RTGS option, usually for larger amounts (typically ₹2 lakh and above).
  3. Provide the beneficiary’s name, account number, account type, and the correct IFSC code (PUNB0MBGB06).
  4. Input the transfer amount.
  5. Verify all information before confirming. RTGS transactions are processed individually and in real-time, meaning funds are transferred almost instantly.
• For IMPS (Immediate Payment Service):
  1. Log into your mobile banking app or internet banking.
  2. Select the IMPS transfer option.
  3. Enter the beneficiary’s mobile number and MMID (Mobile Money Identifier), or their account number and the IFSC code (PUNB0MBGB06).
  4. Specify the amount to be sent.
  5. Confirm the transaction. IMPS allows for instant, 24/7 fund transfers, even on holidays.

Always double-check the IFSC code and beneficiary account details before initiating any transfer to avoid sending money to the wrong account.

Benefits

Knowing and using the correct IFSC code provides several important benefits:

• Accuracy in Transfers: Ensures your money reaches the exact intended bank branch, reducing errors.
• Faster Transactions: Facilitates quick processing of NEFT, RTGS, and IMPS transfers.
• Enhanced Security: Adds an extra layer of identification, making online transactions safer.
• Ease of Use: Simplifies the process of setting up beneficiaries for recurring payments.
• Wider Reach: Allows you to send and receive funds from almost any bank branch across India.
• Convenience: Enables banking services from the comfort of your home or office through online platforms.

Contact Section

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

• BIRHANA Branch Phone Number: 9771464312
• BIRHANA Branch Address: BIRHANA, Patna, 803220, Bihar
• Bihar Gramin Bank Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number: 18001807777

FAQs

Here are some frequently asked questions about the Bihar Gramin Bank BIRHANA IFSC code:

Q1: Is the IFSC code PUNB0MBGB06 valid for all types of online transactions?
A1: Yes, the IFSC code PUNB0MBGB06 is valid and required for all major online fund transfer methods, including NEFT, RTGS, and IMPS, when sending money to the Bihar Gramin Bank, BIRHANA branch.

Q2: What happens if I use an old IFSC code for a Bihar Gramin Bank branch?
A2: If you use an old or incorrect IFSC code, your transaction will likely fail. The system will not be able to identify the correct branch, and the funds will not be transferred. Always ensure you are using the most current IFSC code, PUNB0MBGB06, for the BIRHANA branch.

Q3: Can I find the IFSC code on my passbook or chequebook?
A3: Yes, the IFSC code is usually printed on your bank passbook and chequebook. You can typically find it on the first page of your passbook or at the top or bottom of a cheque leaf. However, always confirm with official sources if you are unsure, especially after bank mergers.

Q4: What is the difference between IFSC and MICR code?
A4: An IFSC code (Indian Financial System Code) is used for electronic fund transfers like NEFT, RTGS, and IMPS, uniquely identifying a bank branch. A MICR (Magnetic Ink Character Recognition) code is a 9-digit number found on cheque leaves, primarily used for processing physical cheques. Both are unique identifiers but serve different purposes.

Q5: Is Bihar Gramin Bank a government bank?
A5: Bihar Gramin Bank is a Regional Rural Bank (RRB) jointly owned by the Government of India, the Government of Bihar, and a sponsoring bank (Punjab National Bank). RRBs are established to provide banking and financial services to rural areas. While it has government ownership, it operates under the guidance and sponsorship of PNB.