The Bihar Gramin Bank’s Dhamdaha branch, located in Purnia, Bihar, plays an important role for the local community. When you need to send money digitally, like through NEFT, RTGS, or IMPS, knowing specific banking codes is essential. The IFSC code is one such critical piece of information that ensures your money reaches the right bank and branch quickly and securely. Without it, digital transfers cannot be completed.
Branch Details
| Detail | Value |
|---|---|
| Bank Name | Bihar Gramin Bank |
| Branch Name | Dhamdaha |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100717 |
| Branch Address | Dhamdaha, PURNIA, 854205, 9297954135 |
| Contact Number | 9297954135 |
| City | PURNIA |
| District | PURNIA |
| Reason | PURNEA |
| Pincode | 854205 |
| State | Bihar |
Merger Update
Historically, several regional rural banks in Bihar have undergone significant restructuring and mergers to streamline operations and enhance banking services. Specifically, banks like the former Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been part of these consolidations. As a result, these entities have merged and now function under the sponsorship of Punjab National Bank. This means that any old IFSC codes previously used by UBGB or DBGB branches are now revoked and are no longer valid for transactions. For branches that are part of this consolidated structure, including the Bihar Gramin Bank Dhamdaha branch, a new, unified IFSC code format is used, such as PUNB0MBGB06. It is absolutely essential to use only this current, valid IFSC code for all your financial transactions to ensure they are processed correctly.
What is an IFSC Code?
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code that uniquely identifies every bank branch in India participating in the NEFT (National Electronic Funds Transfer) system. Think of it like a unique digital address for each bank branch.
Let’s break down the IFSC code PUNB0MBGB06 for the Dhamdaha branch:
- The first four characters represent the bank code. In this case, PUNB stands for Punjab National Bank, which is the sponsoring bank for Bihar Gramin Bank (Madhya Bihar Gramin Bank, represented by MBGB).
- The fifth character is always a 0 (zero). This character is reserved for future use.
- The last six characters identify the specific branch. Here, MBGB06 uniquely points to the Dhamdaha branch of Bihar Gramin Bank.
This structure helps ensure that funds are directed to the correct bank and specific branch without error.
How to Use an IFSC Code
The IFSC code is crucial for initiating electronic fund transfers through services like NEFT, RTGS, and IMPS. Here’s a general step-by-step guide:
- Log In: Access your net banking portal or mobile banking app.
- Select Transfer Option: Choose the option for fund transfer, typically labeled “NEFT,” “RTGS,” or “IMPS.”
- Add Beneficiary: If you’re sending money to someone for the first time, you’ll need to add them as a beneficiary. This involves providing their name, account number, account type (savings or current), and the IFSC code of their bank branch.
- Enter Details: Input the amount you wish to transfer and confirm the beneficiary details, including the IFSC code. For the Bihar Gramin Bank Dhamdaha branch, you would enter PUNB0MBGB06.
- Confirm Transaction: Review all the details carefully before confirming the transaction. A one-time password (OTP) or other security measure will likely be required to complete the transfer.
For recurring transfers to an already added beneficiary, you typically only need to select the beneficiary and enter the amount. The IFSC code remains stored with the beneficiary details.
Benefits of Knowing Your IFSC Code
Knowing the correct IFSC code offers several important benefits for banking transactions:
- Ensures Accuracy: It directs your funds to the precise bank and branch, minimizing the chances of errors in transfers.
- Facilitates Digital Transfers: It is a mandatory requirement for all online fund transfers, including NEFT, RTGS, and IMPS.
- Speeds Up Transactions: Correct IFSC codes allow for faster processing of electronic transfers, as the system can quickly identify the destination.
- Unique Identification: Each bank branch has a unique IFSC, making it an indispensable tool for the banking system to identify and route transactions efficiently.
- Required for UPI Payments: While you don’t directly enter an IFSC for most UPI transactions, the underlying banking system relies on these codes to link your bank accounts and facilitate payments.
Contact Information
If you need to get in touch with the Bihar Gramin Bank Dhamdaha branch or the head office, here are the details:
- Dhamdaha Branch Contact Number: 9297954135
- Dhamdaha Branch Address: Dhamdaha, PURNIA, 854205, Bihar
- Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
- Toll-Free Number (Punjab National Bank): 18001807777
Frequently Asked Questions (FAQs)
Q1: What is the IFSC code for Bihar Gramin Bank, Dhamdaha branch?
A1: The IFSC code for Bihar Gramin Bank, Dhamdaha branch, is PUNB0MBGB06.
Q2: Is the IFSC code mandatory for all types of bank transactions?
A2: The IFSC code is mandatory for all online fund transfers such as NEFT, RTGS, and IMPS. You do not usually need it for cash deposits or withdrawals directly at a branch, or for UPI payments (though it’s used behind the scenes).
Q3: What happens if I use an incorrect IFSC code for a transfer?
A3: If you enter an incorrect IFSC code, your transaction will likely fail. The funds will either not leave your account, or they will be returned to you if they are initially debited. It is crucial to double-check the IFSC code to avoid delays and complications.
Q4: How can I find the correct IFSC code for any bank branch?
A4: You can find the correct IFSC code on your bank passbook, cheque book, or by visiting your bank’s official website. Many third-party financial websites also provide IFSC code lookup tools. Always verify the code from a reliable source.
Q5: Can the IFSC code for a branch change?
A5: Yes, an IFSC code can change. This often happens due to bank mergers, acquisitions, or restructuring of branches. When such changes occur, the bank typically notifies its customers, and old IFSC codes become invalid. It’s always best to confirm the latest IFSC code, especially after any major banking sector announcements.
Kritti Kumari is a banker and MBA graduate who writes about banking, finance, and customer-friendly services. She simplifies complex financial products into easy guides, helping readers understand Bihar Gramin Bank’s offerings and make smarter money decisions.