Bihar Gramin Bank DALMIANAGAR IFSC Code

The Bihar Gramin Bank’s DALMIANAGAR branch is located in Rohtas, Bihar, with the postal code 821305. When you need to transfer money electronically, understanding the Indian Financial System Code, or IFSC, is crucial. This unique code ensures your funds reach the correct bank and branch swiftly and securely, whether you are using NEFT, RTGS, or IMPS for your transactions.

Branch Details

Bank Name	Bihar Gramin Bank
Branch Name	DALMIANAGAR
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	6905
Branch Address	DALMIANAGAR, Rohtas, 821305
Contact Number	9523596905
City	Rohtas
District	Rohtas
Reason	SASARAM
Pincode	821305
State	Bihar

Merger Update

Bihar Gramin Bank was formed by the merger of Madhya Bihar Gramin Bank (MBGB) and Uttar Bihar Gramin Bank (UBGB). As a result of this merger, all branches, including DALMIANAGAR, now operate under a unified IFSC code structure. These codes are sponsored by Punjab National Bank and typically begin with PUNB0MBGB. For the DALMIANAGAR branch, the specific IFSC is PUNB0MBGB06. It is important to know that any old IFSC codes previously used by Madhya Bihar Gramin Bank or Uttar Bihar Gramin Bank branches are now revoked and are no longer valid for any banking transactions. Always use the new, unified IFSC code for all your fund transfers.

What is an IFSC Code?

The IFSC (Indian Financial System Code) is an 11-character alpha-numeric code assigned by the Reserve Bank of India (RBI). It uniquely identifies each bank branch participating in online fund transfers.

The structure of the IFSC code is specific:

• The first four characters represent the bank name. For Bihar Gramin Bank branches, under the new structure, this is typically “PUNB”.
• The fifth character is always “0” (zero). This is a control character reserved for future use.
• The last six characters identify the specific branch. For example, in PUNB0MBGB06, “MBGB06” uniquely points to the DALMIANAGAR branch of Bihar Gramin Bank.

How to Use an IFSC Code

You will need the correct IFSC code for various online banking transactions. Here is how it is used:

• For NEFT (National Electronic Funds Transfer): When you want to send money to another bank account, you typically log into your internet banking portal or visit your bank. You will need to add the beneficiary’s details, which include their name, account number, account type, and the beneficiary’s bank’s IFSC code. For example, to send money to someone with an account at Bihar Gramin Bank, DALMIANAGAR, you would enter PUNB0MBGB06.
• For RTGS (Real Time Gross Settlement): Similar to NEFT, RTGS is used for high-value transactions. The process is much the same; you input the beneficiary’s details, including their bank’s IFSC code. The system uses this code to route the funds to the correct branch in real-time.
• For IMPS (Immediate Payment Service): IMPS allows for instant, 24/7 fund transfers. When initiating an IMPS transaction, whether through mobile banking or internet banking, the IFSC code is a key piece of information needed to identify the recipient’s bank and branch quickly.

Benefits of Knowing Your IFSC Code

Knowing the correct IFSC code for your bank branch, or for the branch of someone you are sending money to, offers several advantages:

• Accuracy: It ensures that your funds are transferred to the exact intended bank and branch, minimizing errors and delays.
• Speed: It facilitates quick processing of NEFT, RTGS, and IMPS transactions, allowing money to move efficiently between banks.
• Security: The unique identification helps prevent fraud by ensuring transactions are routed through legitimate banking channels.
• Convenience: It simplifies online fund transfers, making it easy to manage your finances from anywhere at any time.
• Compliance: It adheres to the regulatory requirements set by the Reserve Bank of India for electronic fund transfers.

Contact Information

For inquiries related to the Bihar Gramin Bank DALMIANAGAR branch, you can use the following details:

• Branch Phone Number: 9523596905
• Branch Address: DALMIANAGAR, Rohtas, 821305
• Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number: 18001807777

FAQs

Q1: What is the full form of IFSC?
A: IFSC stands for Indian Financial System Code. It is an 11-character code used for electronic fund transfers within India.

Q2: Is the IFSC code the same for all branches of Bihar Gramin Bank?
A: No, while the first few characters (PUNB0MBG) might be common for many Bihar Gramin Bank branches due to the merger and sponsorship, the last six characters are unique to each individual branch, making the full 11-character IFSC code distinct for every branch.

Q3: What should I do if I use an old IFSC code for a transfer?
A: If you use an old, invalid IFSC code, your transaction will likely fail. The funds will typically be returned to your account within a few hours or days, but it can cause significant delays. Always verify the current IFSC code before initiating a transfer.

Q4: Can I find the IFSC code on my bank passbook or cheque book?
A: Yes, the IFSC code is usually printed on your bank passbook and on the top left corner of your cheque leaves. You can also find it on the bank’s official website or by using online IFSC lookup tools.

Q5: Is the MICR code the same as the IFSC code?
A: No, the MICR (Magnetic Ink Character Recognition) code is different from the IFSC code. The MICR code is a 9-digit code used primarily for processing cheques, typically found at the bottom of a cheque leaf. The IFSC code is for electronic fund transfers.