Bihar Gramin Bank NOORA IFSC Code

The Bihar Gramin Bank’s NOORA branch is located in Patna, Bihar, with the pincode 804452. For anyone looking to send or receive money electronically, understanding the Indian Financial System Code (IFSC) for this branch is crucial. The IFSC code acts like a unique digital address for bank branches. It ensures that funds transferred through systems like NEFT (National Electronic Funds Transfer), RTGS (Real Time Gross Settlement), and IMPS (Immediate Payment Service) reach the correct beneficiary account quickly and without errors. Without the right IFSC code, electronic fund transfers simply cannot be completed.

Branch Details

Here are the key details for the Bihar Gramin Bank NOORA branch:

Detail	Information
Bank Name	Bihar Gramin Bank
Branch Name	NOORA
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	7319
Branch Address	NOORA, Patna, 804452, 9771464319
Contact Number	9771464319
City	Patna
District	Patna
Reason	PATNA
Pincode	804452
State	Bihar

Merger Update

Historically, various regional rural banks served different parts of Bihar, including entities like Dakshin Bihar Gramin Bank (DBGB) and Uttar Bihar Gramin Bank (UBGB). Through a process of consolidation and mergers, these regional rural banks have been restructured to operate more efficiently. As a result, the Bihar Gramin Bank, including its NOORA branch, now functions under the sponsorship of Punjab National Bank. The unified IFSC code for such merged entities, particularly those forming Madhya Bihar Gramin Bank (which Bihar Gramin Bank is a part of), is PUNB0MBGB06. It is vital to note that any previous IFSC codes associated with older banks like UBGB or DBGB are no longer valid for transactions for branches operating under this new structure. For all electronic fund transfers to or from the NOORA branch, only PUNB0MBGB06 must be used.

What is an IFSC Code?

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code. It uniquely identifies every bank branch participating in online fund transfers within India. Think of it as a postal code for electronic banking. This code helps the system direct your money to the exact bank and branch you intend.

The structure of the IFSC code is simple:

• The first four characters represent the bank name. For example, in PUNB0MBGB06, “PUNB” stands for Punjab National Bank, the sponsoring bank.
• The fifth character is always a zero (0). This character is reserved for future use and helps distinguish between bank codes and branch codes.
• The last six characters represent the specific branch code. In PUNB0MBGB06, “MBGB06” identifies the NOORA branch of Madhya Bihar Gramin Bank (which Bihar Gramin Bank is part of) within the Punjab National Bank’s system.

How to Use an IFSC Code

Using the IFSC code is a straightforward process when you’re making an electronic fund transfer. Here are the general steps for transactions like NEFT, RTGS, or IMPS:

1. Log In: Access your net banking portal or mobile banking application provided by your bank.
2. Select Transfer Type: Choose the type of fund transfer you wish to make (e.g., NEFT, RTGS, or IMPS).
3. Add Beneficiary: If you haven’t already, add the beneficiary’s details. This typically includes:
   • Beneficiary Name (the person or entity you are sending money to)
   • Beneficiary Account Number (the account where the money will be deposited)
   • Confirm Beneficiary Account Number
   • Beneficiary Bank Name (e.g., Bihar Gramin Bank)
   • Beneficiary Branch Name (e.g., NOORA)
   • The IFSC Code for the beneficiary’s branch (e.g., PUNB0MBGB06)
4. Enter Amount: Specify the amount of money you want to transfer.
5. Review and Confirm: Carefully review all the details you’ve entered, especially the account number and IFSC code, to avoid any errors. Once confirmed, authorize the transaction.

Benefits of Knowing Your IFSC Code

Knowing the correct IFSC code for your bank branch or the beneficiary’s branch offers several important advantages:

• Accurate Transfers: It ensures that your funds are directed to the precise bank branch, minimizing the risk of misdirected payments.
• Mandatory for Electronic Transfers: The IFSC code is a compulsory requirement for all electronic fund transfers via NEFT, RTGS, and IMPS.
• Branch Identification: It uniquely identifies a specific branch of a bank, even if multiple branches of the same bank exist in one city.
• Prevents Errors: By providing a unique identifier, it reduces human errors that could occur with just branch names or addresses.
• Facilitates Inter-Bank Transactions: It is essential for enabling smooth and quick money transfers between different banks across the country.

Contact Information

For inquiries or assistance regarding Bihar Gramin Bank NOORA branch:

• Branch Phone Number: 9771464319
• Branch Address: NOORA, Patna, 804452
• Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number: 18001807777

Frequently Asked Questions (FAQs)

Q1: Is an IFSC code mandatory for all types of bank transactions?
A1: The IFSC code is mandatory for all electronic fund transfers like NEFT, RTGS, and IMPS. For cash deposits or withdrawals at a branch, it is generally not required, but it’s essential for online transfers.

Q2: What happens if I use an incorrect IFSC code during a fund transfer?
A2: If you enter an incorrect IFSC code, the transaction will usually fail and the money will not be debited from your account. In some rare cases, if the incorrect IFSC code points to another valid branch and the account number matches, the funds might be transferred to the wrong account. Always double-check the IFSC code.

Q3: Where can I find the correct IFSC code for my bank branch?
A3: You can find your bank’s IFSC code on your cheque book, passbook, bank statements, or by visiting the bank’s official website or using their mobile banking app. It is also available on third-party financial websites.

Q4: Can an IFSC code change over time?
A4: Yes, an IFSC code can change. This typically happens if a bank merges with another bank, undergoes a restructuring, or if a branch relocates. It’s always a good practice to confirm the IFSC code if you haven’t used it for a long time or if there have been bank announcements about mergers.

Q5: Is the IFSC code different for NEFT, RTGS, and IMPS transactions?
A5: No, the IFSC code for a specific branch remains the same regardless of whether you are making an NEFT, RTGS, or IMPS transaction. The IFSC code identifies the destination branch, while the transfer method (NEFT, RTGS, IMPS) determines how quickly and under what rules the funds are settled.