Bihar Gramin Bank TAKIYA IFSC Code

If you’re looking to make a fund transfer to or from the Bihar Gramin Bank TAKIYA branch, located in Rohtas, Bihar, understanding its IFSC code is crucial. The Indian Financial System Code, or IFSC code, acts like a unique digital address for every bank branch participating in online money transfers. It’s essential for carrying out secure and accurate transactions through systems like NEFT (National Electronic Funds Transfer), RTGS (Real Time Gross Settlement), and IMPS (Immediate Payment Service).

Bihar Gramin Bank TAKIYA Branch Details

Here are the key details for the Bihar Gramin Bank TAKIYA branch:

Bank Name	Bihar Gramin Bank
Branch Name	TAKIYA
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	7525
Branch Address	TAKIYA, Rohtas, 821113, 7541807525
Contact Number	7541807525
City	Rohtas
District	Rohtas
Reason	SASARAM
Pincode	821113
State	Bihar

Merger Update for Bihar Gramin Bank

It’s important to note the significant changes regarding Bihar Gramin Bank. Both Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB), along with Kosi Kshetriya Gramin Bank, have merged over time. The bank now operates as “Bihar Gramin Bank” and is sponsored by Punjab National Bank.

Due to these mergers, a single, unified IFSC code has been adopted for all branches falling under this new structure. The valid IFSC code for Bihar Gramin Bank branches, including the TAKIYA branch, is PUNB0MBGB06. This means that any older IFSC codes previously associated with UBGB or DBGB branches are now revoked and will not work for transactions. Always use PUNB0MBGB06 for any fund transfers to or from Bihar Gramin Bank accounts to ensure your transaction is 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 online money transfers. It’s designed to streamline and secure electronic transactions.

The structure of the IFSC code is specific:

• The first four characters are alphabetic and represent the bank’s name. For example, in PUNB0MBGB06, “PUNB” stands for Punjab National Bank, the sponsoring bank.
• The fifth character is always a numeric ‘0’ (zero). This is reserved for future use and acts as a control character.
• The last six characters are alphanumeric and uniquely identify the specific bank branch. For the TAKIYA branch, these are “MBGB06”.

This unique identifier ensures that your funds are routed to the exact beneficiary bank and branch without errors, which is critical for the smooth functioning of digital banking.

How to Use an IFSC Code

Using the IFSC code is a straightforward process when you’re making an online fund transfer through NEFT, RTGS, or IMPS. Here’s how it generally works:

When you initiate a transfer through your bank’s online portal or mobile app, you’ll typically follow these steps:

1. Log in to your internet banking or mobile banking application.
2. Select the option for “Fund Transfer” or “Payments”.
3. Choose the type of transfer you want to make (NEFT, RTGS, or IMPS).
4. If you’re sending money to a new beneficiary, you will first need to add them as a beneficiary. This usually requires entering:
   • The Beneficiary’s Name
   • The Beneficiary’s Account Number
   • The Beneficiary’s Bank Name (e.g., Bihar Gramin Bank)
   • The Beneficiary’s Bank Branch
   • The IFSC Code of the beneficiary’s branch (e.g., PUNB0MBGB06 for TAKIYA branch)
5. Once the beneficiary is added (or if they’re already on your list), select them.
6. Enter the amount you wish to transfer.
7. Add any necessary remarks (optional).
8. Review all the details carefully, especially the account number and IFSC code.
9. Confirm the transaction, often by entering an OTP (One Time Password) sent to your registered mobile number.

The IFSC code ensures your transaction reaches the correct branch, preventing delays or misdirection of funds.

Benefits of Knowing Your IFSC Code

Having easy access to your bank branch’s IFSC code offers several practical advantages for secure and efficient banking:

• Accurate Fund Transfers: It guarantees that your money is sent to the precise bank and branch you intend, minimizing the risk of errors.
• Faster Processing: Correct IFSC codes help online payment systems like NEFT, RTGS, and IMPS process transactions quickly and without manual intervention.
• Mandatory for Digital Payments: For any online inter-bank fund transfer in India, the IFSC code is a compulsory piece of information.
• Branch Identification: It uniquely identifies each branch, even if multiple branches share the same bank name or are located in the same city.
• Avoiding Delays: Providing the correct IFSC code upfront prevents transactions from being put on hold or rejected due to incorrect routing information.
• Secure Transactions: By precisely directing funds, the IFSC code adds a layer of security to your financial transactions.

Contact Information

For any queries related to the Bihar Gramin Bank TAKIYA branch or general banking services, you can use the following contact details:

• Branch Phone Number: 7541807525
• Branch Address: TAKIYA, Rohtas, 821113, 7541807525
• Bihar Gramin Bank Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number: 18001807777

Frequently Asked Questions (FAQs)

Here are some common questions about the Bihar Gramin Bank TAKIYA branch and its IFSC code:

Q: Can I use an old IFSC code for Bihar Gramin Bank?
A: No, you should not use any old IFSC codes previously associated with Uttar Bihar Gramin Bank or Dakshin Bihar Gramin Bank. Due to the merger, only the new unified IFSC code, PUNB0MBGB06, is valid for all Bihar Gramin Bank branches, including TAKIYA.

Q: Is the IFSC code the same for all branches of Bihar Gramin Bank?
A: Yes, following the merger and sponsorship by Punjab National Bank, Bihar Gramin Bank has adopted a single IFSC code, PUNB0MBGB06, for all its branches. This simplifies transactions across the bank.

Q: What happens if I use the wrong IFSC code during a transfer?
A: If you use an incorrect or outdated IFSC code, your transaction will likely be rejected by the bank. The funds will typically be returned to your account, but this can cause delays in your payment. Always double-check the IFSC code before confirming any transfer.

Q: Where can I find the IFSC code for my branch?
A: You can find your branch’s IFSC code on your bank passbook, your chequebook, or by visiting your bank’s official website. Reliable third-party financial websites or the RBI website also provide this information. For the TAKIYA branch, it is PUNB0MBGB06.

Q: What is the MICR code for the Bihar Gramin Bank TAKIYA branch?
A: The MICR (Magnetic Ink Character Recognition) code for the Bihar Gramin Bank TAKIYA branch is 800811002. This code is primarily used for processing physical cheques.