Bihar Gramin Bank GARA IFSC Code

If you’re looking to send money to or from the Bihar Gramin Bank’s GARA branch in Rohtas, Bihar, understanding its Indian Financial System Code (IFSC) is crucial. This unique 11-character code acts like a digital address for the branch, making sure your funds reach the correct destination quickly and securely. Whether you’re using National Electronic Funds Transfer (NEFT), Real Time Gross Settlement (RTGS), or Immediate Payment Service (IMPS), the IFSC code is a mandatory detail for all interbank electronic transactions.

Branch Details

Bank Name	Bihar Gramin Bank
Branch Name	GARA
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	7355
Branch Address	GARA, Rohtas, 821112
Contact Number	9771464355
City	Rohtas
District	Rohtas
Reason	SASARAM
Pincode	821112
State	Bihar

Merger Update for Bihar Gramin Bank

It’s important to note a significant change regarding regional rural banks in Bihar. Previously, there were Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). Both these banks have now merged to form a single entity: Bihar Gramin Bank. This new bank operates under the sponsorship of Punjab National Bank.

Due to this merger, all previous IFSC codes belonging to UBGB and DBGB branches have been revoked and are no longer valid for any transactions. For any branch now under Bihar Gramin Bank, including the GARA branch, you must use the updated IFSC code. For the GARA branch, the correct and only valid IFSC code for all financial transactions is PUNB0MBGB06. Always double-check that you are using this new code to ensure your payments are processed correctly.

What is an IFSC Code?

An IFSC (Indian Financial System Code) is a unique 11-character code that helps identify specific bank branches within the Indian banking system. It’s designed to streamline electronic fund transfers. Let’s break down its structure:

• The first four characters represent the bank’s name. For Bihar Gramin Bank, sponsored by Punjab National Bank, these are usually “PUNB”.
• The fifth character is always a zero (0). This character is reserved for future use and helps differentiate the bank code from the branch code.
• The last six characters identify the specific branch. In the case of GARA, these are “MBGB06”.

So, for PUNB0MBGB06, “PUNB” indicates the sponsoring bank (Punjab National Bank), “0” is a control character, and “MBGB06” uniquely identifies the GARA branch of Bihar Gramin Bank.

How to Use an IFSC Code

Using the IFSC code is a straightforward process when you’re making electronic fund transfers:

1. Choose Your Transfer Method: Decide if you want to use NEFT, RTGS, or IMPS. You’ll typically access these through your bank’s online banking portal or mobile app, or by visiting a bank branch.
2. Enter Beneficiary Details: You will need to add the recipient (beneficiary) to your bank’s system. This usually involves providing their name, account number, bank name (Bihar Gramin Bank), and the specific branch name (GARA).
3. Input the IFSC Code: This is where the IFSC code PUNB0MBGB06 comes in. Carefully enter this 11-character code into the designated field. A small mistake can lead to delays or the transfer going to the wrong account.
4. Confirm Amount and Purpose: Enter the amount you wish to transfer and specify the purpose of the transaction if required (e.g., “Family Support,” “Bill Payment”).
5. Review and Confirm: Before finalizing, always review all the details you’ve entered, especially the account number and IFSC code, to ensure they are correct.

Once confirmed, your bank will process the transfer using the IFSC code to route the funds to the correct GARA branch and subsequently to the beneficiary’s account.

Benefits of Knowing the IFSC Code

Knowing the correct IFSC code for Bihar Gramin Bank, GARA branch, offers several practical benefits:

• Ensures Accurate Fund Transfers: It guarantees that your money is sent to the precise bank branch you intend, preventing errors and misdirected funds.
• Facilitates Faster Transactions: The unique code allows for quick processing of electronic payments like NEFT, RTGS, and IMPS, saving valuable time.
• Supports Interbank Transactions: It is essential for any money transfer between different banks or even between different branches of the same bank, helping link the entire banking network.
• Improves Security: By precisely identifying the destination branch, the IFSC code adds a layer of security, reducing the risk of fraudulent transfers.
• Mandatory for Electronic Payments: Without the IFSC, electronic transfers simply cannot be initiated, making it a fundamental requirement for modern banking.

Contact Information

For any inquiries related to the GARA branch or Bihar Gramin Bank, you can use the following contact details:

• GARA Branch Phone Number: 9771464355
• GARA Branch Address: GARA, Rohtas, 821112
• Bihar Gramin Bank Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number: 18001807777

Frequently Asked Questions

Here are some common questions about Bihar Gramin Bank’s GARA branch and its IFSC code:

Q1: Is Bihar Gramin Bank part of Punjab National Bank?
A1: Bihar Gramin Bank is a Regional Rural Bank (RRB) sponsored by Punjab National Bank. This means Punjab National Bank oversees its operations and provides support, but Bihar Gramin Bank operates as a separate entity.

Q2: Can I use an old UBGB or DBGB IFSC code for GARA branch?
A2: No, you cannot. After the merger, all old Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) IFSC codes have been revoked. You must use the new and valid IFSC code PUNB0MBGB06 for the GARA branch.

Q3: What should I do if my bank asks for a ‘Branch Code’ during a transfer?
A3: If your bank specifically asks for a separate Branch Code, for the GARA branch, it is 7355. However, the IFSC code already contains this information, and typically only the IFSC code is required for electronic transfers.

Q4: Is the IFSC code the same as the MICR code?
A4: No, they are different. The IFSC code (PUNB0MBGB06) is used for electronic fund transfers (NEFT, RTGS, IMPS). The MICR (Magnetic Ink Character Recognition) code (800811002) is a 9-digit code primarily used for processing paper-based checks.

Q5: How can I verify the IFSC code before making a transaction?
A5: You can verify the IFSC code by checking the bank’s official website, referring to your passbook or checkbook, or contacting the Bihar Gramin Bank directly through their official customer service channels. Always cross-reference to ensure accuracy.