The Bihar Gramin Bank branch located in DURGADIH, Rohtas, Bihar, serves as an essential financial access point for the local community. For anyone looking to transfer money electronically, whether through NEFT (National Electronic Funds Transfer), RTGS (Real Time Gross Settlement), or IMPS (Immediate Payment Service), a unique code called the IFSC (Indian Financial System Code) is absolutely necessary. This code ensures your money reaches the correct bank and branch without issues.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | DURGADIH |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 7352 |
| Branch Address | DURGADIH, Rohtas, 821109, 9771464352 |
| Contact Number | 9771464352 |
| City | Rohtas |
| District | Rohtas |
| Reason | SASARAM |
| Pincode | 821109 |
| State | Bihar |
Merger Update
For customers of this Bihar Gramin Bank branch, especially given the history of regional rural banks in Bihar, it is vital to know about recent consolidations. Many former regional rural banks have undergone mergers to streamline operations and provide better services.
If this branch previously belonged to entities like Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB), please note that both banks have merged and now use the single IFSC code PUNB0MBGB06 under Punjab National Bank. This means any old IFSC codes previously associated with UBGB are now revoked. For all fund transfers, only the new IFSC code, PUNB0MBGB06, is valid and must be used.
What is an IFSC Code?
The IFSC (Indian Financial System Code) is a unique 11-character alphanumeric code. It identifies every bank branch in India participating in online money transfers. Think of it as a unique address for a bank branch.
The structure of the IFSC code is straightforward:
- The first four characters represent the bank’s name. For example, “PUNB” stands for Punjab National Bank, which sponsors many regional rural banks.
- The fifth character is always a zero (0). This character is reserved for future use.
- The last six characters identify the specific branch. In the case of PUNB0MBGB06, “MBGB06” specifically points to the DURGADIH branch.
How to Use the IFSC Code
You will need the IFSC code for various digital payment methods. Here’s how it works:
For NEFT (National Electronic Funds Transfer)
NEFT allows you to transfer money from your account to another bank account. Transfers are processed in batches throughout the day.
- Log in to your bank’s online banking portal or mobile app.
- Go to the “Funds Transfer” or “Payments” section.
- Select “Add New Beneficiary” or “Manage Payees.”
- Enter the beneficiary’s name, account number, account type, and the IFSC code (PUNB0MBGB06 for DURGADIH branch).
- Once the beneficiary is added, you can initiate a transfer by specifying the amount.
For RTGS (Real Time Gross Settlement)
RTGS is for large value transactions, typically Rs. 2 lakh and above. Transfers are processed continuously on a real-time, one-to-one basis.
- Follow steps 1-4 as you would for NEFT to add the beneficiary.
- When initiating the transfer, select “RTGS” as the payment method.
- Enter the amount and confirm the transaction.
For IMPS (Immediate Payment Service)
IMPS allows for instant, 24/7 money transfers, even on holidays. It’s often used for smaller, urgent transfers.
- Log in to your mobile banking app.
- Select “IMPS” transfer.
- You might have options like “Account to Account” or “Mobile to Mobile.” For Account to Account, enter the beneficiary’s account number and the IFSC code (PUNB0MBGB06).
- Enter the amount and confirm.
Benefits of Knowing Your IFSC Code
Knowing the correct IFSC code for your bank branch, or the branch you are sending money to, offers several advantages:
- Accurate Transfers: It ensures that your money reaches the intended recipient’s bank account and specific branch without errors.
- Faster Processing: Correct IFSC codes help banks process NEFT, RTGS, and IMPS transactions quickly and efficiently.
- Fraud Prevention: Using the correct code reduces the risk of funds being misdirected due to incorrect or ambiguous branch identification.
- Online Banking Convenience: It’s essential for all online and mobile banking fund transfer services, allowing you to manage your finances from anywhere.
- Safe Transactions: The IFSC code is a crucial security measure in the digital payment ecosystem, making transactions secure and traceable.
Contact Information
If you have any questions or need assistance regarding your account at the DURGADIH branch of Bihar Gramin Bank, you can reach out using the following details:
- Branch Phone Number: 9771464352
- Branch Address: DURGADIH, Rohtas, 821109
- Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
- Toll-Free Number: 18001807777
Frequently Asked Questions (FAQs)
Q1: Is the IFSC code unique to each branch?
A1: Yes, absolutely. Each bank branch participating in electronic funds transfers has its own unique 11-character IFSC code. This ensures that money is routed to the exact branch.
Q2: Can I use an old IFSC code if the bank has merged?
A2: No, you should always use the most current IFSC code. If a bank has merged or changed its name, its IFSC codes are often updated or revoked. Using an old, invalid code will likely cause your transaction to fail.
Q3: What happens if I enter the wrong IFSC code?
A3: If you enter an incorrect IFSC code, your transaction will generally be rejected by the banking system. The funds will not be transferred, and you will likely receive a notification of the failed transaction. In rare cases, if the incorrect IFSC code corresponds to another valid branch, the money might be transferred there, which could cause significant issues.
Q4: Do I need an IFSC code for cash deposits or withdrawals at the branch?
A4: No, you do not need an IFSC code for cash deposits or withdrawals directly at the bank branch counter. The IFSC code is specifically required for electronic fund transfers (NEFT, RTGS, IMPS) between different banks or branches.
Q5: Where can I find the IFSC code for a bank branch?
A5: You can usually find the IFSC code printed on your bank passbook, cheque book, or on the bank’s official website. Many third-party financial websites also provide IFSC code look-up services. For the DURGADIH branch, the IFSC is PUNB0MBGB06.
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.