Bihar Gramin Bank CHIKSIL IFSC Code

The Bihar Gramin Bank branch in CHIKSIL, located in Rohtas district, Bihar, is a key banking point for the local community. For any electronic money transfers, knowing the correct Indian Financial System Code (IFSC) for this branch is essential. The IFSC code acts like a unique address for bank branches, ensuring 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 safely. Without this specific code, electronic transactions cannot be processed.

Branch Details

Bank Name	Bihar Gramin Bank
Branch Name	CHIKSIL
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	6891
Branch Address	CHIKSIL, Rohtas, 802205, 9523596891
Contact Number	9523596891
City	Rohtas
District	Rohtas
Reason	SASARAM
Pincode	802205
State	Bihar

Merger Update

Bihar Gramin Bank is a Regional Rural Bank (RRB) sponsored by Punjab National Bank (PNB). It was formed from the merger of Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) with other RRBs. As a result of these mergers and restructuring, Bihar Gramin Bank now operates under a unified system with a common IFSC code structure linked to its sponsor bank. Therefore, for the CHIKSIL branch, the IFSC code PUNB0MBGB06 is the valid code to use for all electronic transactions. It is important to note that any old IFSC codes previously associated with Uttar Bihar Gramin Bank or Dakshin Bihar Gramin Bank branches, or any other predecessor banks, have been revoked. Only the new, standardized IFSC code, beginning with PUNB0MBGB, is now valid for all fund transfers. Always use PUNB0MBGB06 for transactions involving the Bihar Gramin Bank, CHIKSIL branch.

What is an IFSC Code?

The Indian Financial System Code, or IFSC, is a unique 11-character code. It is used to identify every bank branch participating in online money transfers across India. This code is critical for routing funds correctly to the intended beneficiary.

• The first four characters are alphabetic and represent the bank. For example, in PUNB0MBGB06, “PUNB” stands for Punjab National Bank, the sponsor bank for Bihar Gramin Bank.
• The fifth character is always a “0” (zero). This character is reserved for future use and acts as a control digit.
• The last six characters are numeric. These uniquely identify the specific branch of the bank. For the CHIKSIL branch, “MBGB06” is its unique identifier within the Bihar Gramin Bank system under PNB’s sponsorship.

How to Use an IFSC Code

Using an IFSC code for online money transfers is straightforward. You will need it when setting up a transaction through NEFT, RTGS, or IMPS. Here are the general steps:

1. Log In: Access your online banking portal or mobile banking app.
2. Select Transfer Type: Choose the type of transfer you want to make (NEFT, RTGS, or IMPS).
3. Add Beneficiary: If you haven’t transferred to this person or entity before, you will need to add them as a new beneficiary.
4. Enter Beneficiary Details: Provide the beneficiary’s full name, their bank account number, and the correct IFSC code for their bank branch. For the Bihar Gramin Bank, CHIKSIL branch, this would be PUNB0MBGB06.
5. Enter Amount: Specify the amount of money you wish to transfer.
6. Confirm Details: Double-check all the information, especially the account number and IFSC code, to avoid errors.
7. Authorize Transfer: Complete the transaction using your password or PIN.

The IFSC code ensures your money goes to the right bank and the right branch, then the account number directs it to the right person.

Benefits of Knowing Your IFSC Code

Knowing the correct IFSC code offers several advantages for banking and financial transactions:

• It enables accurate and secure electronic fund transfers through NEFT, RTGS, and IMPS.
• It ensures faster processing of transactions, as the code directly routes the funds to the correct branch.
• It helps in preventing errors and delays that could occur if incorrect branch details were provided.
• It is essential for receiving payments from other banks, including salaries, refunds, or business transactions.
• It allows for convenient nationwide money transfers from anywhere in India to your specific branch.

Contact Information

For direct inquiries related to the Bihar Gramin Bank, CHIKSIL branch, or the bank’s head office, you can use the following contact details:

• CHIKSIL Branch Phone Number: 9523596891
• CHIKSIL Branch Address: CHIKSIL, Rohtas, Pincode: 802205, Bihar
• Bihar Gramin Bank Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number: 18001807777

Frequently Asked Questions (FAQs)

What is the IFSC code for Bihar Gramin Bank, CHIKSIL branch?

The IFSC code for the Bihar Gramin Bank, CHIKSIL branch is PUNB0MBGB06.

Is the CHIKSIL branch IFSC code different for NEFT, RTGS, and IMPS transactions?

No, the IFSC code PUNB0MBGB06 is universal for all electronic fund transfer systems like NEFT, RTGS, and IMPS for the Bihar Gramin Bank, CHIKSIL branch. You will use the same code for any of these transfer types.

Can I use an old IFSC code for Bihar Gramin Bank if I have one?

No, it is crucial to use the current and valid IFSC code PUNB0MBGB06. Old IFSC codes, especially those from predecessor banks before mergers, have been revoked and will no longer work for transactions. Using an incorrect or old code will lead to transaction failure.

How many characters are in an IFSC code?

An IFSC code is an 11-character alpha-numeric code. It consists of four letters for the bank, a zero as the fifth character, and six numbers or letters for the branch code.

Why is the fifth character of the IFSC code always zero?

The fifth character of an IFSC code is always a “0” (zero). This position is reserved for future use by the Reserve Bank of India (RBI). It acts as a control digit and helps distinguish between the bank code and the branch code components of the IFSC.